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Creation: Personal loan reviews

Name: Personal loan
Rating: 4.04 (61 reviews)

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4.04

Based on 61 reviews, last reviewed 11th Jun 2026

500% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

2 star

34%

Latest highest rating:

5

Fast and Easy! Easy and quick application to fill in. Great opportunity. Reviewed on: 11th June 2026

Latest lowest rating:

1

Do not ever apply for finance through Creation Consu... Do not ever apply for finance through Creation Consumer Finance based on my experience. I am a landlord, earn around £70,000 a year, have never misse... Read more Reviewed on: 11th June 2026

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About this product

You can get a Creation personal loan for amounts between £1,000 and £30,000.

The online application for a Creation personal loan gives you an instant decision and you could get your loan by the next working day. Terms are available for between one and seven years.

Creation personal loan reviews help you find out what it’s really like to be a customer. If you’ve used Creation before, you can also leave a review and share your experience.

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Creation Personal loan reviews (61)

Fast and Easy!

Easy and quick application to fill in. Great opportunity. Reviewed on: 11th June 2026

Use Creation to buy from Currys .

Use Creation to buy items from Currys on a no interest 6 -12 month spread the cost with option to pay interest if not paid in full bybtime limit. Very convenient for larger items. Reviewed on: 11th June 2026

Do not ever apply for finance through Creation Consu...

Do not ever apply for finance through Creation Consumer Finance based on my experience. I am a landlord, earn around £70,000 a year, have never missed a payment, and have always worked hard to maintain an excellent credit history. My credit score was very strong before I applied. I applied only once for iPhone finance. The application was declined, a hard search was recorded, and my credit score dropped dramatically afterwards. When I contacted Creation, they told me they could not tell me the specific reason for the decision and could not remove the search. After years of paying every bill on time and maintaining a spotless payment record, I feel that all my hard work was damaged by a single application that resulted in no finance being provided. If keeping a strong credit profile is important to you, think very carefully before applying. My experience has left me extremely disappointed and frustrated. Reviewed on: 11th June 2026

Really simple and easy to use their services.

Really simple and easy to use their services. Zero percent interest plans so great to spread your payments. Reviewed on: 17th April 2026

So kind and helpful

So kind and helpful even if there has been a problem. Easy get in touch with and a helping hand when a loan is required. Reviewed on: 16th April 2026

Creation exceed miles

My experience with Creation has been excellent, good service, good customer service, and they exceed customer expectations. Reviewed on: 24th March 2026

Very professional and easy to understand the process...

Very professional and easy to understand the process for a personal loan. Reviewed on: 11th July 2025

I used a Creation loan to purchase Solar Panel and B...

I used a Creation loan to purchase Solar Panel and Battery Storage, a sizeable expense which immediately brought my monthly energy bills down. This reduced monthly expense allowed me to over pay the monthly repayments. The Creation app was so easy to use to make additional payments, was very clear regarding timescales and provided confirmation correspondence. I would definately return to creation should I require any further loans. Reviewed on: 15th June 2025

Creation are easy to use and the app is very clear.

Creation are easy to use and the app is very clear. Creation enabled me to purchase some big kitchen appliances and my laptop which were all absolutely essential and unobtainable without creation. Reviewed on: 12th June 2025

Very simple and straightforward to apply.

Very simple and straightforward to apply. Great customer service and transparency on all terms and conditions. Some great rates and quick service. Definitely would recommend. Reviewed on: 12th June 2025

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