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Creation: Creation Personal Loan reviews

Name: Creation Personal Loan
Rating: 3.34 (47 reviews)

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3.20

Based on 47 reviews, last reviewed 25th May 2024

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

51%

2 star

38%

Latest highest rating:

5

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... Read more Reviewed on: 25th May 2024

Latest lowest rating:

1

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 Crea... Read more Reviewed on: 22nd March 2024

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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.

Creation Creation Personal Loan reviews (47)

Review of the Creation, Creation Personal Loan:

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

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

JOKE OF A COMPANY AVOID!!!!

Creation finance are an Absolute joke of a company have no customer service what so ever and shut down my account with currys for no reason what so ever!! I will be using AO from now on and john Lewis they value their customers so much more!! AVOID EVERYONE!! Reviewed on: 5th April 2023

The best loan provider

I have used Creation a couple of times, short decision making time, quick credit check while you wait. No hidden charges or interest rate, they update your records accordingly. Considerably fair interest rate. They are just the best. Reviewed on: 5th April 2023

Easy to apply but slightly expensive

The rate was higher than I liked, however they were there for me when I needed them, so still a good company. Reviewed on: 4th April 2023

Excellent

Excellent, very helpful and quick Reviewed on: 10th March 2023

Fast and easy applying process

It was very easy to apply and finalise the process for my personal loan. Good online control over the product Reviewed on: 10th March 2023

craeation easy loan

the best staff,quickly application,friendly company Reviewed on: 22nd February 2023

Multitude of immense failings. Please, for your own sanity, mental health and financial health, stay away!

Multitude of immense failings. Please, for your own sanity, mental health and financial health, stay away! They have made it impossible for me to get credit by incorrectly destroying my credit rating. Creation incorrectly added missed payments to my Credit Report, they can show no proof that they are correcting it, they won't take responsibility for the mistakes either. Don't let them do the same to you. There are multiple other modern and efficient companies out there with the same "Buy Now, Pay Later" promise that actually work. Here are some(not all) of my issues to date: 1. Creation are not set up to take Direct Debits from bank accounts outside of Ireland/UK. As Ireland is in the EU, and EU does not restrict bank accounts by country, many Irish people do not have domestic current account as the fees are horrendous. This is part of the SEPA laws that went into effect in 2014. Creation's systems have not been updated since then to allow for this. 2. If you send a Standing Order to their Irish Bank account, the reference number is removed in a daily internal batching operation from Creation's Irish Bank to their UK bank. This leads to all payments made by Standing Order to the Irish Bank Account being lost! 3. There are no contact numbers for Ireland on their websites. This is to force Irish customers to ring UK numbers and due to the cost, they hope it will reduce calls from Ireland. Here is an Irish number. +35348 9026 7691. 4. Although Creation can't set up a Direct Debit due to ancient systems, and they lose all Standing Orders due to batching operations, they have the audacity to add missed payment notes to my Credit Report when each payment was made in full and 14 days in advance. This is ongoing for 9 months... 5. Customer Care team are used as shields for all the rest of the teams. All they can do is apologise, the Accounts, Admin, Complaints and Credit Reference Department do no work and cannot be directly contacted and will not make direct contact with a customer either. I would rather stick a hot poker in my eye than ever have to deal with such a diabolically inept company ever again. Reviewed on: 6th January 2023

Don't listen to the negative lot...

I don't understand all the negative reviews on here. OK, their call centre is a bit of a nightmare, but the people are really friendly and helpful. I was hung up on 4 times today but eventually got through after only 15 mins! However, these guys have given me a chance to have peace of mind, giving me a loan at a rate I could only DREAM of! Enabling me to save hundreds a month in DD and thousands in APR. The application was really easy, I was paid on time. I just don't know why people are having so much trouble. I've been with Creation for years! I've paid on time, every month, and never had a problem online. Never needed to call until the loan and, admittedly, the only reason I called was due to concern over the reviews! So if you're thinking of taking out a loan or going to Curry's for finance, don't worry yourself with this negative lot. As long as you maintain your end of the agreement, you're not going to have any issues and won't need to face the call queue Reviewed on: 19th November 2022

Exhaustingly bad

Poor experience, ordered products from Currys 05/11/22 which were systematically cancelled the same day due to issues with systems and stock. Was told I could re order the products in store on the 06/11/22 but was unable to do so because creation finance credit had processed the transaction as if I was in possession of the product, so the credit balance reflects the deduction of the transaction that was cancelled. Currys reassured me on that same particular day it takes 48 hours to clear. Fast forward 72 hours at the date of this message and creation finance have still not cleared the available credit. I have contacted customer services three separate times to resolve this. Incompetence of the highest order and is a good reflection of a poor infrastructure. I would avoid using this type of financial lender during peak economic purchasing times (Christmas etc) because if orders are cancelled / refunded it will take their business a very long time to rectify the financial side of things and you will undoubtedly miss promotions / stock availability due to their sluggishness. Reviewed on: 9th November 2022

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