Creation Finance personal loans
See how to get a Creation Finance personal loan and see how much you can borrow with our Creation loan calculator.

To make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyTo make comparing even easier we came up with the Finder Score. Speed, features and flexibility across 60+ lenders are all weighted and scaled to produce a score out of 10. The higher the score the better the lender – simple.
Read the full methodologyMaximum loan
£30,000
Product fee
N/A
Early redemption fee
Yes
The Creation Financial Services Creation Loans charges 9.9% APR representative on loans between £7,500 and £10,000. Creation Financial Services offers the loan with repayment terms between 1 and 5 years, and applicants can apply to borrow from £1,000 to £30,000.
Bear in mind that the advertised representative APR is the interest rate that Creation offers to the majority of applicants who request a particular loan amount. You may be offered a different APR based on your personal circumstances.
You might not have heard of Creation Financial Services – it’s probably not what you’d call a household name. But it’s actually the outfit behind the store cards of some of the UK’s biggest names in retail.
Creation says that its customers don’t want complicated products, and so it prides itself on providing fixed-rate personal loans with no hidden tricks or catches, promising no surprises down the line.
Creation Finance loans have a relatively high interest rate compared to similar personal loans, but do not charge any upfront fees or early repayment penalties. You can also normally get an instant decision on your loan application.
In terms of customer reviews, Creation Finance currently has a “excellent” rating according to customer review platform TrustPilot, based on over 63,000 reviews. Many reviews praised Creation’s customer service and rate terms.
Creation Finance provides credit to many well-known retailers, insurance brokers and motor finance companies such as Currys, DFS, Dreams and more.
These personal loans are unsecured – which means they’re based on creditworthiness, rather than the use of property or other assets as collateral. Here are some of the other key things to know about Creation personal loans:
Loan type | Unsecured Personal Loan |
---|---|
Loan amounts | £1,000.00 to £30,000.00 |
Loan terms | 1 year to 5 years |
Loan rate type | Fixed |
Product fee | 0% |
Same-day funding available | |
Instant decisions in most cases | |
Soft-search facility available | |
Joint applications | |
Overpay without penalty | |
Concurrent loans allowed | |
Topping-up pays off existing loan and initiates a new loan | |
Repayment methods | Direct Debit |
There are a few things you can’t do with a Creation personal loan however:
You can apply for a Creation loan if you meet the following criteria:
You will not be eligible (and should not apply) if any of the following criteria apply to you:
If you think that a Creation personal loan is the right choice for you, there are five steps to the application process:
Creation has received mixed reviews from customers, according to review sites like TrustPilot and Reviews.io. It currently has an “excellent” rating on TrustPilot, with a score of 4.7 out of 5, based on more than 63,000 reviews, and a rating of 1.5 out of 5 on Reviews.io (updated July 2024). Some customers praised Creation’s customer service, but others reported issues with logging in to their online accounts.
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