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Creation: Personal loan reviews

Name: Personal loan
Rating: 4.15 (58 reviews)

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4.15

Based on 58 reviews, last reviewed 17th Apr 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

57%

2 star

34%

Latest highest rating:

5

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

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 (58)

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

Disappointing

Creation lack understanding and missed payment fees are ridiculous! I was payed incorrectly a few months ago and received an extremely patronising phone call from their customer service team advising me to better manage my money. Despite my explanation they applied charges to my account and did not offer a grace period to arrange my pay. Very disappointed and will not use creation finance again once my loan is settled. Reviewed on: 10th June 2020

TERRIBLE COMPANY!!!!

WHAT AN UTTERY DISGUSTING COMPANY THIS LOT ARE, I RING THEM THEN THEY CUT OFF THE CALL, I SEND EMAILS AND THEY DON'T REPLY, I EVEN SENT THEM A SNAIL MAIL BUT GOT NO REPLY, BUT YET THEY KEEP SENDING HARASSING LETTERS EVEN THOUGH THEY DON'T REPLY TO ME AT ALL!! STAY AWAY FROM THIS LOT, WOULD NOT RECOMMEND THEM WHATS SO EVER!!!! Reviewed on: 30th April 2020

Very helpful and understanding

Due to a change in circumstances was unable to make repayments, they went above and beyond to help me. Reviewed on: 27th April 2020

NO ANSWER FROM MY E-MAILS

Took a small loan out for matress. Rang bensons as time was getting on They had no order down to us yet my bank shows they have the standing order set up . eMAILED CREATION SEVERAL TIMES -NO REPLY. Reviewed on: 5th November 2019

Worst customer service ever

More than 2 weeks since I bought my laptop and no one is able to help me. I Cant create my Creation account , all the time I'm trying to set up the password is popping up an error called "status 200" , called several times to your phone helpline and emailed customer service and no one hasn't helped me yet. Its shamefull, having a finantion with you guys and no being able to manage my account to know how the payments are going to be splitter. Reviewed on: 1st October 2019

Cant fault them

Had a loan to buy furniture and it was perfect cant fault them Reviewed on: 9th June 2019

Simple

I have been trying to apply for a loan and this is the only company who gave me hope. Thank you Creation. Reviewed on: 5th June 2019

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