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Creation: Personal loan reviews

Name: Personal loan
Rating: 3.96 (61 reviews)

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3.96

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)

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

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

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