Very simple and straightforward to apply. Great customer service and transparency on all terms and conditions. Some great rates and quick service. Definitely would recommend.

We have bought several items through Creation, allowing us to spread the cost. Easy to apply and complete and kept up to date with the latest figures.

Extremely Disappointing Experience This has been one of the worst financial service experiences I’ve had. I made an extra payment towards my loan expecting, as... Extremely Disappointing Experience This has been one of the worst financial service experiences I’ve had. I made an extra payment towards my loan expecting, as per their own terms and conditions, that my monthly repayments would be reduced, then one of my monthly payment has been missed to pay as direct debit cancelled due to my card lost i had to block all payment going out and which i paid over the phone after 1 month. which is showing on my bank account and they have not updated on their system so still they chasing for the last payment but from my bank account all has been paid i tried to explain to the customer service team and I found the call handler unhelpful, rude, unprofessional,negative behavior lack of assistance. The call handler was dismissive of my concerns and refused to provide any information.The call handler placed me on hold for an excessive amount of time without providing any updates. call handler did not understand my questions and kept asking for pay amount not allowing me to explain repeatedly asking for balance pay and i sent an email with all my bank statement payment breakdown still no response also send letter through the post to their head office PO Box 14458 Solihull West Midlands Creation Consumer Finance Limited, PO Box 14455, Birmingham, B25 9ER and send letter to London office no response still almost every day send letter for to last payment of £135.00 finally too much harassing me and i paid off but they have put defaulted on credit accounts. It’s mind-blowing that such a basic issue cannot be resolved, and their failure to honor what’s outlined in their own terms is unacceptable. I’ve raised this with the Financial Ombudsman. I strongly advise others to think twice before dealing with this company. The loan was done with oak furniture land for a bathroom installation. To make matters worse. I expected better. I will not be doing any further business with oak furniture land—clearly, their choice of financial partners is as careless as it is unprofessional. Read more Read less

I use my creation personal loan when buying from curry’s and it is very accessible and easy to use! The app is great and customer... I use my creation personal loan when buying from curry’s and it is very accessible and easy to use! The app is great and customer service is good too if you come access any problems. You can also log in to your account if for whatever reason your app isn’t working! Read more Read less

I took out a loan but by mistake I put it in a savings account, I signed the agreement on January 8, 2025 and I... I took out a loan but by mistake I put it in a savings account, I signed the agreement on January 8, 2025 and I still haven't received the money, I ordered a report from Creation saying that they don't know what happened to the money but I have to pay the first payment on February 8. I won't pay anything until I receive the loan. Read more Read less

After being a loyal customer over many many years they have given notice to terminate my credit card citing "business strategy" as assessed by the... After being a loyal customer over many many years they have given notice to terminate my credit card citing "business strategy" as assessed by the Risk & Marketing team. They refuse to give a specific reason and I must conclude it is because I always settle in full every month thereby avoiding any interest charges. Happy to have extortionate interest charges although not happy when customers avoid them. Read more Read less

Following the death of my father, Creation have strived to add more pain and misery to the process of managing his affairs. Upon his death,... Following the death of my father, Creation have strived to add more pain and misery to the process of managing his affairs. Upon his death, they passed the 'debt' to a firm of solicitors and closed the account. Despite the account being closed they continued to accept refunds for services used by by father. On trying to obtain these monies back they first denied having the refunds and then said they'd passed them to the solicitors - who deny receipt. Now I'm stuck between Creation and the solicitors, both denying having the money. Three hours of my life wasted so far - and no further on. Read more Read less

Easy to use , no issues and great customer service

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.