The worst company I have ever dealt with and I am 47 now no communication there payment system is not good staff can’t override anything... The worst company I have ever dealt with and I am 47 now no communication there payment system is not good staff can’t override anything a payment which was made on the same day in January 26 is showing as default in July 26 no communication before that no explanation the call centre staff sorry to say I am a immigrant myself but I could not understand anything what the call centre agent said I had to ring again and someone else at least communicated properly problem not solved have raised complaint which will take another 8 weeks 8 weeks I would urge anyone taking a loan from this company to avoid it like a plague there payment system 0 points service 0 points staff call centre 0 but there penalties 100% Read more Read less

I’ve been very pleased with my experience using the Creation Everyday Credit Card. The application process was simple, the account is easy to manage, and... I’ve been very pleased with my experience using the Creation Everyday Credit Card. The application process was simple, the account is easy to manage, and statements are clear and straightforward. It’s a reliable card for everyday spending, and I appreciate how easy it is to keep track of payments and balances. Customer service has been helpful when needed, and the overall experience has been smooth and hassle-free. I would happily recommend the Creation Everyday Credit Card to anyone looking for a practical and dependable credit card. Read more Read less

I bought the Samsung Galaxy S25+ on a 36-month interest-free finance agreement with Creation, paying £25 per month. So far, I am very happy with... I bought the Samsung Galaxy S25+ on a 36-month interest-free finance agreement with Creation, paying £25 per month. So far, I am very happy with my purchase. The phone feels premium, runs very smoothly, and the battery life easily lasts me through the day. The display is bright and sharp, making videos, photos, and everyday use enjoyable. The camera takes excellent photos, and the overall performance is fast with no lag. Paying £25 per month interest-free makes it affordable and good value for money. The monthly payments are manageable, and I like knowing there are no extra interest charges. Overall, I would highly recommend the Samsung Galaxy S25+ to anyone looking for a high-quality smartphone with great performance, excellent battery life, and a fantastic screen. I am very satisfied with my purchase and would happily buy it again. Read more Read less

Easy and quick application to fill in. Great opportunity.

Use Creation to buy items from Currys on a no interest 6 -12 month spread the cost with option to pay interest if not paid... Use Creation to buy items from Currys on a no interest 6 -12 month spread the cost with option to pay interest if not paid in full bybtime limit. Very convenient for larger items. Read more Read less

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... 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 missed a payment, and have always worked hard to maintain an excellent credit history. My credit score was very strong before I applied. I applied only once for iPhone finance. The application was declined, a hard search was recorded, and my credit score dropped dramatically afterwards. When I contacted Creation, they told me they could not tell me the specific reason for the decision and could not remove the search. After years of paying every bill on time and maintaining a spotless payment record, I feel that all my hard work was damaged by a single application that resulted in no finance being provided. If keeping a strong credit profile is important to you, think very carefully before applying. My experience has left me extremely disappointed and frustrated. Read more Read less

Really simple and easy to use their services. Zero percent interest plans so great to spread your payments.

So kind and helpful even if there has been a problem. Easy get in touch with and a helping hand when a loan is required.

My experience with Creation has been excellent, good service, good customer service, and they exceed customer expectations.