How It Works
You no longer have to wait around for a decision.
Get Started Quickly:
Our forms are easy, fast, and secure.
Get Your Funds:
See cash in your account as soon as the next business day.
Independent lenders have their own individual requirements that must be met, but typical minimum requirements include, but may not be limited to:
- 18 years of age or older
- Valid checking or savings account with direct deposit
- Minimum regular income of $1,000 per month
- Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Please see our FAQ's for more information about the process.
ocean.loans is not a lender and therefore does not make short term loans or credit decisions. We are a loan connecting service where we connect consumers with independent third-party lenders.
You register online from your home computer or any mobile device. Because the process occurs in real time, it’s very fast. If you are connected with a lender you will receive an offer from that lender with the terms and conditions of the loan. If you agree to the terms (and you may decline them), the money could be available for your use as soon as the next business day.