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Creation: Personal loan reviews

Name: Personal loan
Rating: 3.44 (55 reviews)

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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

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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 (55)

Quick and easy to use. Proven.

Nice to deal with. Website and search result really quick and smooth to use. Good value on interest. Feel confident with them. Reviewed on: 15th September 2022

I normally do by now pay later in six months with this company so far they are the best

I normally do by now pay later in six months with this company so far they are the best Reviewed on: 5th July 2022

DO NOT TRUST THE FALSE "GOOD" REVIEWS

One of the worst companies in the world! AVOID AVOID AVOID at all costs! Their "good reviews" are either written by employee's or people they have asked at the initial stages where everything is hunky dory, they are awful, still waiting for them to get back to the Ombudsman, even though a deadline has been set apparently they take 8 weeks, I have obtained important information and a report is being drafted up for the FCA - they need to face fines for their unethical actions, they are disgusting and should not be allowed to trade. Reviewed on: 14th June 2022

Avoid at any cost

Avoid like the Plague!! This company is absolutely shocking! I purchased a Laptop from Currys/PCWorld last September. Initially everything was fine. However when I received my first statement email and tried to access my account the trouble started. I was unable to activate my account. I tried numerous times and eventually tried to call Creation. Over 7 hours in total on hold, never any answer. Numerous emails, also unanswered. More attempts to activate the account. I contacted the Financial Ombudsman, who contacted Creation ( they are aware of the companies games). I eventually received an email saying that they would address the issue within 8 weeks!!! It's now 8 weeks. Nothing has changed. More unanswered emails and now it has gone back to the Ombudsman. I am shocked that PC World have anything to do with the company. Their logo is on the paper work. I contacted them but they didn't want to know! I have no method of checking the account for accuracy!! Reviewed on: 1st April 2022

Personal Loan

Very impressed with overall loan application, apr very competitive as well Reviewed on: 7th October 2021

Wouldn't even give 1 star

n't even give 1 star. We signed a contract in February 2017 for a sofa at a sofa store which was for 46 monthly payments, with the last and number 46 being due in January 2021. These payments did not stop in Jaunary and carried on until May when we emailed asking why, all doumentation online then disappeared after our email and they informed us we were finished paying now as we we were required to pay until May... but I had a copy of our contract kept which I then shared which stated that is entirely incorrect and should have ended in January. We have since been ghosted despite 3 emails. We are owed £138.80! Reviewed on: 16th July 2021

DO NOT USE THIS COMPANY

I have recently spent hours trying to get through on phone to resolve apparent outstanding payments for cancelled caravan insurance. They don't answer phone and their web pages crash when you try and pay on line. This has resulted in further charges that exceed what the policy cost in the first place.! Absolutely disgraceful customer service and will never use again and will let as many people know my views as possible. AVOID at all costs. Total sham of a company exploiting people. Reviewed on: 17th May 2021

Creation Finance

More expensive rates and standard letters not much contact from them. Reviewed on: 19th March 2021

Do not use

Paid full amount in June Creation kept sending letters stating DD not been paid forget how many customer service reps I spoke to eventually spoke to young lady in June went through full story again how we had won ruling from financial ombudsman and creation had repaid amount agreed on, I then paid balance owed in June, took about 20 to 30 minutes on phone eventually she had found the payment problem had been it was in name of Mrs not Mr as Mr was blind it would have been awkward but never mind it was sorted and she would phone back in few days and to ignore any other letters asking for payments what a relief however still not had phone call from her but received another letter this morning demanding a payment of the full amount paid in June, so I printed copies and sent one back to Creation with another copy of credit card payment with comments also sent latest letter to Resolve Claims who had won the compensation originally via Financial Ombudsman, so please if anyone is looking for financial help don’t go to Creation Reviewed on: 10th October 2020

Poor after service

Defaulted on a loan for a sofa. Paid back the money but a note was left on my credit file and on my title deeds which delayed the sale of my house!! Not impressed Reviewed on: 9th July 2020

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