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What Does It Cost?

Our low loan rate is only 14% per year. There are no other fees or commissions.


How Secure Is Paying with Ocean Ecommerce?

It’s very secure. Once your loan is set up, your credit card is NOT required to shop with us, therefore, all information is secure.


What is Ocean Ecommerce?

Ocean Ecommerce is an online loan service that makes quick decisions on your loan application. We work with a network of online stores; you shop online at the stores and pay using your Ocean Ecommerce account. Our online stores offer more than 200 000 items! Ocean Ecommerce and our affiliate storesare available to clients in the UK and the United States.


The Advantages of Ocean Ecommerce

It’s fast and easy to buy what you want through Ocean Ecommerce. A few clicks is all it takes. No more filling in credit card numbers; just use our loan system. Our network of online merchants is available at your convenience, and with more than 200,000 products, you can be sure to find what you want. Your purchases will be shipped to you, saving you time and money. All the information about your purchases is conveniently located in your account. You even make payments from your account. It’s fast, it’s easy, and our Customer Service team is ready to help with any questions you may have.


Applying for Ocean Ecommerce

Apply for an Ocean Ecommerce loan whenever it is convenient for you. Just apply online, and our staff will process your information right away. We’ll send you an SMS or an email to let you know our decision. Usually, you’ll hear from us in half an hour or less.


Getting Started

Once you’ve been approved for Ocean Ecommerce, go to your personal account and begin shopping from the list of stores you’ll see in your account. This network of affiliate stores is waiting to receive and ship your orders. When you find an item you want to buy, click on it. Then choose BUY NOW, PAY LATER and the amount will be charged to your Ocean Ecommerce account. The seller will ship the item(s) to you, and you pay for it from your Ocean Ecommerce account. Is your life busy? Do you ever forget to do things? Don’t worry. We’ll send you an email when it’s time to make a payment on your Ocean Ecommerce loan. You can pay in instalments, or you can pay it all off at once, if you choose. It’s up to you. We make it as easy as possible, so you can shop on your schedule, whenever you choose, with the security of not having to give you credit card number to each merchant online.


What Info Do I Need to Shop Online?

You only need your cell phone number and your email address. That’s it


Why Do you Need My Phone Number and Email Address?

We need to identify who is making the purchase and be able to contact you, including sending you your statement via email.


I Just Bought Something. When Do I Pay for It?

If you are approved for the Pay After Delivery service, you can choose to pay when your purchase is delivered to you. We wait for two weeks after the online store has sent your items before billing you. When we bill you, we will send you an email that has the instructions you need to make your payment AND a URL you can click to take you right to the payment page. Type in your Statement Number, and follow the instructions. It’s that easy.


Oops! I Forgot to Make a Payment

Life happens. We will send you an email to remind you that a payment is due, but if you are late with a payment, we are still happy to take your money. You may have to pay a penalty fee for late payments.


I Can’t Find the Email You Sent

Yes, you need the Statement Number to pay your bill. If you can’t find the email we sent you, no problem! Just log in to your account and find it there, or call our Customer Service team. They will be happy to assist you.


How can I ensure that I make a payment at the right time and don’t go past deadline?

Payment should, theoretically, take place within two weeks after your goods have been dispatched. We will send you a notification a couple of days before YOUR PAYMENT IS DUE We will send you these notifications so you can plan ahead and avoid potential late payment penalty charges. If your goods have not been delivered within two weeks, please contact the shop where you bought your goods and Ocean Ecommerce, to make sure we extend your payment deadline.


How do I pay by a bank transfer?

You can transfer funds to settle a bill by selecting the “Pay after delivery” option. Just choose "Bank Transfer" when you log in to your account so you can settle your invoice. Choose "Bank Transfer" as your preferred payment method and read the invoice. It will contain all the information you require to make a bank transfer. Also, you can visit your local branch to make a payment. When you log in to your account to settle an invoice, Ocean Ecommerce gives you a unique payment number that matches your statement. This code helps us identify your payment. Please take into account that should you choose to pay via bank transfer, it can take up to three business days for the payment to clear