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Creation: Personal loan reviews

Name: Personal loan
Rating: 3.40 (64 reviews)

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3.40

Based on 64 reviews, last reviewed 13th Oct 2026

75% decrease in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

56%

2 star

36%

Latest highest rating:

5

Faultless and easy! I've used this company to purchase a mobile phone through John Lewis. A very positive and pleasant experience from start to finish. Reviewed on: 13th October 2026

Latest lowest rating:

1

Do not trust this company if you have a problem with... Do not trust this company if you have a problem with a trader they will always back the trader and leave you stranded Reviewed on: 8th October 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 (64)

Faultless and easy!

I've used this company to purchase a mobile phone through John Lewis. A very positive and pleasant experience from start to finish. Reviewed on: 13th October 2026

Do not trust this company if you have a problem with...

Do not trust this company if you have a problem with a trader they will always back the trader and leave you stranded Reviewed on: 8th October 2026

Anyone but creation finance you will thank me for it

The worst company I have ever dealt with and I am 47 now no communication there payment system is not good staff can’t override anything a payment which was made on the same day in January 26 is showing as default in July 26 no communication before that no explanation the call centre staff sorry to say I am a immigrant myself but I could not understand anything what the call centre agent said I had to ring again and someone else at least communicated properly problem not solved have raised complaint which will take another 8 weeks 8 weeks I would urge anyone taking a loan from this company to avoid it like a plague there payment system 0 points service 0 points staff call centre 0 but there penalties 100% Reviewed on: 9th July 2026

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

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