Updated September 28, 2026 · SumCue Editorial Team
Avant Money vs Ocean Finance Card
Avant Money
Higher score in this comparison
Ocean Finance Card
Avant Money vs Ocean Finance Card: the differences
| Compare | Avant MoneyReviewSee alternativesSee alternatives | Ocean Finance CardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | €0 | £0 |
| APR | 6.1% to 19.9%Lower | 39.9% |
| Rewards type | Cashback | None |
| Credit needed | Excellent | Poor |
| Rewards rate | 5% groceries and fuel first 12 months | Not confirmed |
| Balance transfer fee | Not confirmed | 2.9% |
| Perks | Not confirmed | Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance, Free email and text alerts, Card usable online before the physical card arrives, Eligibility check does not affect credit score, No Apple Pay |
| Cashback rate | 5% | Not confirmed |
Same on both: Balance transfer intro period (6 months), Card kind (Credit).
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Key differences
- Avant Money scores higher overall: 9.4 vs 9.1.
- Avant Money is licensed in 1 more country.
- Avant Money is available in 1 more country.
- APR is lower at Avant Money: 6.1% to 19.9% vs 39.9%.
- Support channels: only Ocean Finance Card offers Chat.
- Pricing model: only Avant Money offers Fixed rate.
- Pricing model: only Ocean Finance Card offers No annual fee.
Our verdict on each
Avant Money
Avant Money suits Irish borrowers with an excellent credit record who want a fixed rate personal loan at 6.1% to 19.9% with no set up fee. The group also lends for cars, home works and debt consolidation, and takes fixed term deposits, so the offer runs past a single product.
Ocean Finance Card
The Ocean Finance Card suits borrowers with a poor credit history who plan to clear a balance: a transfer fee of 2.9% on what you move, and an annual fee of £0. Anyone wanting a rewards card should look elsewhere, since this one is priced for short borrowing.
Score breakdown
| Area | Avant Money | Ocean Finance Card |
|---|---|---|
| Cost | 9.3HigherCosts rest on interest rather than fees: APR of 6.1% to 19.9% on the personal loan, a mortgage product fee of €185. | 9.1Annual fee £0, but interest at 39.9% is what holders really pay. |
| Offer | 9.5Higher | 9.2The rewards type is none, so the offer rests on practical extras. |
| Trust | 9.4Higher | 9.1 |
Where they rank in our lists
| Ranking | Avant Money | Ocean Finance Card |
|---|---|---|
| Credit and debit cards | 156 of 1594 | 426 of 1594 |
| Balance transfer cards | 4 of 32 | 15 of 32 |
Licences and countries
| Country | Avant Money | Ocean Finance Card |
|---|---|---|
| Ireland | IE_CBI PSD_PI IE_CBI!C129700 | Not confirmed |
| Spain | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 310069 |
Additional countries for Avant Money: 2. Additional countries for Ocean Finance Card: 1.
Where these facts come from
Avant Money
- avantmoney.ie: 11 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Ocean Finance Card
- oceanfinance.co.uk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | Avant Money | Ocean Finance Card |
|---|---|---|
| Pricing model | Fixed rate | No annual fee |
| Features | Rewards | Not confirmed |
| Legal entity | AVANTCARD DAC | Intelligent Lending Limited |
| Headquarters | Ireland | United Kingdom |
| Founded | Not confirmed | 1991 |
| Support channels | Phone, Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Avant Money | Ocean Finance Card |
|---|---|---|
| Headline rate | 2.72% | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Term | 12 to 120 months | Not confirmed |
| Minimum deposit | €2,000 | Not confirmed |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Access terms | One withdrawal of up to 25% of the balance after the first 8 weeks; no full withdrawal until maturity | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Mortgages
| Fact | Avant Money | Ocean Finance Card |
|---|---|---|
| Initial rate | 3.2% | Not confirmed |
| APRC | 3.62% | Not confirmed |
| Fixed period | 4 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
| Product fee | €185 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer | Not confirmed |
| Lender type | Direct lender | Not confirmed |
Where each stands against the rest
| Fact | Avant Money | Ocean Finance Card | Median |
|---|---|---|---|
| APR | 6.1% to 19.9%below the median | 39.9%highest quarter | 11.635 |
| Balance transfer intro period | 6 monthslowest quarter | 6 monthslowest quarter | 12 months |
| Balance transfer fee | Not confirmed | 2.9%below the median | 3% |
| Cashback rate | 5%highest quarter | Not confirmed | 1.5% |
Median across 486 listed providers.
Pros and cons
Avant Money
Pros
- No set up fee on the home improvement loan, at 0 (no set up fee)
- Personal loan APR of 6.1% to 19.9% on a fixed rate, against a group median of 14.43%
- Free early repayment on personal loans, so settling ahead of schedule costs nothing
Cons
- Credit checking is hard and the credit bar is excellent, a standard only 2.8% of lenders in the group ask for
- The top of the personal loan rate range is 6.1% to 19.9%, so what you pay depends on your own credit profile
- The deposit is fixed with a €2,000 minimum, and access before maturity is limited to a single partial withdrawal
Ocean Finance Card
Pros
- Balance transfers cost 2.9% over 6, so old card debt has a route out.
- The perk list Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance adds an app, free alerts and purchase protection.
- Support runs on chat, phone and email, so help comes through several channels.
Cons
- The APR is 39.9%, so carrying a balance month to month is expensive.
- The rewards type is none, so everyday spending earns nothing back.
- Apple Pay is not among its perks (Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance).
Who each suits
Avant Money
Who it suits
- Adults living in Ireland who can show repayment capacity and financial status
- Borrowers consolidating existing debt, since personal, car and debt consolidation includes consolidation
- Home owners planning works, given the home improvement loan
Who should look elsewhere
- Cashspace, for borrowers outside Ireland, since it quotes PHP 12 to PHP 36 and Avant Money lends only to Irish residents
- Creduma ES, for a larger euro loan, since Creduma ES starts at from €12,000 against €5,000 to €75,000 here
- Sofkredit, for a Spanish lender, since Sofkredit quotes 10.74% to 18.06% under a Banco de España licence
Ocean Finance Card
Who it suits
- Borrowers with a poor credit history, since the annual fee is £0.
- Anyone clearing a balance on another card, where the transfer fee is 2.9%.
- Card users who want purchase protection on larger buys, listed under Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance.
Who should look elsewhere
- Starling Personal Account Debit Card, at an APR of 15%, for current account borrowing.
- Varo Believe Secured Credit Card, with $0 annual fee, for a secured route.
Current offers
Avant Money
Current offer
Bonus
1% cashback incentive on new or top-up One Mortgages (mortgage product): 1% cashback, e.g. borrow EUR 400,000 and receive EUR 4,000
Eligible new or top-up One Mortgages drawn down between 1 January 2026 and 31 December 2026; cashback paid within two months of drawdown; lending criteria, terms and conditions apply
Source, checked September 26, 2026
Ocean Finance Card
Current offer
First period offer
0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee
Representative 39.9% APR (variable) after the offer, purchase rate 39.94% APR (variable), credit subject to status
Source, checked September 26, 2026
Country by country
| Country | Avant Money | Ocean Finance Card |
|---|---|---|
| Ireland | Yes | No |
| Spain | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Avant Money
How much can I borrow from Avant Money and over what term?+
The personal loan runs from €5,000 to €75,000 over terms of 12 to 120. Avant Money lends direct rather than through a broker, and the rate is fixed, so the quoted figure holds for the life of the loan rather than moving with the market. Longer terms cut the monthly payment and raise the total repaid.
What APR do I pay on a personal loan?+
The personal loan is priced at 6.1% to 19.9% on a fixed rate. The personal loan median across the group is 14.43%, so the range opens below the middle of the market, and the point inside the range you are offered depends on your credit profile.
Ocean Finance Card
Is there an annual fee on the Ocean Finance Card?+
The annual fee is £0, so holding the card year on year costs nothing beyond interest. That suits anyone clearing a balance slowly, since the only bill is what is owed. The rate to watch is the APR on balances you do not clear, at 39.9%.
What is the APR on the Ocean Finance Card?+
The APR is 39.9%, a high rate for borrowing month to month. Interest is the real cost here, because the annual fee is £0 and nothing is charged for holding it. The cheaper route is moving a balance from another lender, where the fee is 2.9%.
Other options to compare
Other matchups
Avant Money
Ocean Finance Card