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Creation: Creation Personal Loan reviews

Name: Creation Personal Loan
Rating: 3.35 (52 reviews)

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3.10

Based on 52 reviews, last reviewed 12th Jun 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

52%

2 star

38%

Latest highest rating:

5

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. Def... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

Extremely Disappointing Experience Extremely Disappointing Experience This has been one of the worst financial service experiences I’ve had. I made an extra payment towards my loan expe... Read more Reviewed on: 29th May 2025

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Creation personal loan reviews on Smart Money People are honest reviews. If you're trying to determine whether this is the right personal loan for you, reading our Creation personal loan reviews can help you to find out what other people have to say. Smart Money People launched in October 2014 to help people like you to find the best personal loans. If you have used a Creation personal loan, we'd love you to write a quick review too.

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Creation Creation Personal Loan reviews (52)

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

We have bought several items through Creation

We have bought several items through Creation, allowing us to spread the cost. Easy to apply and complete and kept up to date with the latest figures. Reviewed on: 12th June 2025

Extremely Disappointing Experience

Extremely Disappointing Experience This has been one of the worst financial service experiences I’ve had. I made an extra payment towards my loan expecting, as per their own terms and conditions, that my monthly repayments would be reduced, then one of my monthly payment has been missed to pay as direct debit cancelled due to my card lost i had to block all payment going out and which i paid over the phone after 1 month. which is showing on my bank account and they have not updated on their system so still they chasing for the last payment but from my bank account all has been paid i tried to explain to the customer service team and I found the call handler unhelpful, rude, unprofessional,negative behavior lack of assistance. The call handler was dismissive of my concerns and refused to provide any information.The call handler placed me on hold for an excessive amount of time without providing any updates. call handler did not understand my questions and kept asking for pay amount not allowing me to explain repeatedly asking for balance pay and i sent an email with all my bank statement payment breakdown still no response also send letter through the post to their head office PO Box 14458 Solihull West Midlands Creation Consumer Finance Limited, PO Box 14455, Birmingham, B25 9ER and send letter to London office no response still almost every day send letter for to last payment of £135.00 finally too much harassing me and i paid off but they have put defaulted on credit accounts. It’s mind-blowing that such a basic issue cannot be resolved, and their failure to honor what’s outlined in their own terms is unacceptable. I’ve raised this with the Financial Ombudsman. I strongly advise others to think twice before dealing with this company. The loan was done with oak furniture land for a bathroom installation. To make matters worse. I expected better. I will not be doing any further business with oak furniture land—clearly, their choice of financial partners is as careless as it is unprofessional. Reviewed on: 29th May 2025

I use my creation personal loan when buying from cur...

I use my creation personal loan when buying from curry’s and it is very accessible and easy to use! The app is great and customer service is good too if you come access any problems. You can also log in to your account if for whatever reason your app isn’t working! Reviewed on: 22nd April 2025

I took out a loan but by mistake I put it in a savin...

I took out a loan but by mistake I put it in a savings account, I signed the agreement on January 8, 2025 and I still haven't received the money, I ordered a report from Creation saying that they don't know what happened to the money but I have to pay the first payment on February 8. I won't pay anything until I receive the loan. Reviewed on: 28th January 2025

Needed new carpets for the house.

Needed new carpets for the house. Thanks to Creation we had 0% finance over 12 months which meant we could afford to get the job done without running up unaffordable debt. Reviewed on: 25th May 2024

Easy and quick application process.

Easy and quick application process that was simple to understand. Gave different payback options to suit your circumstances and budget. Reviewed on: 24th May 2024

Creative Creation!

Excellent credit facilities and reminders to pay. Website very user-friendly and numerous methods of payment with timeframes. Beneficial options to repay loan and at payee's choice. Good customer service also if needed.! Reviewed on: 23rd May 2024

Misled and let down very badly

My credit score is at status "fair" even though my repayment history on all of my loans is perfect and has been for many years. This was known to Creation when I was misled into applying for a small personal loan, which they have since refused. Now I have another full credit search against my name, making my credit score even lower. Companies that do this should be seriously penalised by law. Now my day (and weekend) are completely ruined. Do not apply to this company if your credit score is anything less than excellent! Reviewed on: 22nd March 2024

Terrible company do not use.

Terrible company do not use. Trying to force us to sell our family home though the court even though we are making a payment each month but less than agreed as we are having financial issues. Reviewed on: 12th March 2024

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