Write a review

Creation: Creation Personal Loan reviews

Name: Creation Personal Loan
Rating: 3.44 (55 reviews)

View other Creation products

3.33

Based on 55 reviews, last reviewed 11th Jul 2025

400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

55%

2 star

36%

Latest highest rating:

5

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

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

Read all reviews Write a review

About this product

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.

Review Creation: Creation Personal Loan now

Help others make smarter decisions by sharing your own experience.

Write a review

Creation Creation Personal Loan reviews (55)

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

Really happy with their service thank you

Really happy with their service thank you Reviewed on: 16th January 2024

Avoid at all costs. Bullies

Sadly there are no negative stars you could give. The worst company I have dealt with in my entire life. After signing the contract they have change the terms of the contract and bullied to pay more money. Avoid!!! Please do not make this mistake. Any reviews with 5 stars should be taken with the pinch of salt. You could never understand what cowboys they are until you deal with them. They lie to your face, send threatening letters, but do not answer to the letters that are sent as an evidence to show their lies and cons. Reviewed on: 6th September 2023

Harassment. Incompetence. Bullying. Miscommunication.

Took out a finance plan to fund a product which could not be delivered in time by Curry's. Cancelled the order same day and have receipts and email proof. For nearly 2 months I have received daily phone calls and texts from Creation with things like "FORGETTING SOMETHING?" written on them. To be clear I do not have a plan with them, I am just being harassed. They have called me since posting negative online reviews to shut me up but haven't fixed anything and I still receive daily harassment. Do not trust them with your money it is not worth it. I am so anxious and miserable because of this whole experience and sick of seeing their messages. Reviewed on: 9th August 2023

Very Thorough

We used Creation to finance double glazing for our house. They were very thorough and professional, and we felt confident in them at every step. We would definitely use them again Reviewed on: 8th August 2023

Secure helpful

Very secure helpful and quick service. Reviewed on: 31st July 2023

Great customer service

My application was dealt with within the hour and my money in my account next day. Reviewed on: 11th July 2023

Currys Yourplan

I shop at Currys frequently for Domestic Appliances, computers, phones etc and they offer buy now pay later via their Yourplan account where Creation Finance are the Lender. They have easy application and great mobile app. Reviewed on: 31st May 2023

Do you have a different Creation product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Loans
from M for Money Credit Union 4.94 from 52 reviews
Loans
from Enterprise Credit Union 4.98 from 1920 reviews
Personal loan
from 118 118 Money 4.91 from 1808 reviews

Want to see more from Creation?

Everyday Credit Card
from Creation 3.02 from 19 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub