{"id":106145,"date":"2018-05-04T15:40:03","date_gmt":"2018-05-04T14:40:03","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=106145"},"modified":"2025-07-17T14:09:28","modified_gmt":"2025-07-17T13:09:28","slug":"creation","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/personal-loans\/creation","title":{"rendered":"Creation Finance personal loans"},"content":{"rendered":"

What is Creation Finance?<\/h3>

You might not have heard of Creation Financial Services \u2013 it\u2019s probably not what you\u2019d call a household name. But it\u2019s actually the outfit behind the store cards of some of the UK\u2019s biggest names in retail.<\/p>

Creation says that its customers don\u2019t 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.<\/p>

Are Creation loans good?<\/h3>

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.<\/p>

In terms of customer reviews, Creation Finance currently has a \u201cexcellent\u201d rating according to customer review platform TrustPilot, based on over 63,000 reviews. Many reviews praised Creation\u2019s customer service and rate terms. <\/p>

Creation Finance provides credit to many well-known retailers, insurance brokers and motor finance companies such as Currys, DFS, Dreams and more.<\/p>

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How do Creation Finance loans compare against the competition?<\/p>\n

See today's rates from across the personal loan market.<\/p>\n <\/div>\n\n <\/div>\n\n

\n Compare rates<\/a>\n <\/div>\n<\/div>\n\n

Key features of a Creation personal loan<\/h3>

These personal loans are unsecured<\/strong> \u2013 which means they\u2019re 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:<\/p>\n

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Loan type<\/th>Unsecured Personal Loan<\/td><\/tr>
Loan amounts<\/th>\u00a31,000.00 to \u00a330,000.00<\/td><\/tr>
Loan terms<\/th>1 year to 5 years<\/td><\/tr>
Loan rate type<\/th>Fixed<\/td><\/tr>
Fee<\/th>Varies<\/td><\/tr>
Same-day funding available<\/th><\/use><\/svg><\/td><\/tr>
Instant decisions in most cases<\/th><\/use><\/svg><\/td><\/tr>
Soft-search facility available<\/th><\/use><\/svg>
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Joint applications<\/th><\/use><\/svg><\/td><\/tr>
Overpay without penalty<\/th><\/use><\/svg>
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Concurrent loans allowed<\/th><\/use><\/svg><\/td><\/tr>
Topping-up pays off existing loan and initiates a new loan<\/th><\/use><\/svg><\/td><\/tr>
Repayment methods<\/th>Direct Debit<\/td><\/tr>\n <\/tbody>\n <\/table><\/div>\n

What can a Creation personal loan be used for?<\/h3>