Creation Personal Loan

268 reviews

9.9% Representative

Will lend between: £1,000 - £25,000

Over: 12 - 60 Months

Representative example: If you borrow £7,500 over 36 months at a Representative rate of 9.9% APR and an annual interest rate of 9.90% (fixed), you would pay 36 monthly instalments of £240.16. The total charge for credit will be £1,145.76 and the total amount payable will be £8,645.76.

If you work at Creation Personal Loan

Are you eligible for Creation Personal Loan?

Check your eligibility before you apply.

  • Quick 40 second form.
  • No impact on your credit file.
  • Free personalised eligibility score.
Check Eligibility

Creation Personal Loan customer reviews.

268 reviews

1.5 out of 5 stars

Never ever use
08:06 30-08-2018
ImageSmart Money People

Very Very slow, systems are poor, customer service is poor - they do not do what they say and still waiting 2 weeks later for loan agreement - terrible


Great service
18:47 22-06-2017
ImageSmart Money People

Customer service is excellent, always been so helpful

Emma Brunton

Great service
11:35 21-05-2017
ImageSmart Money People

Wonderful experience and easy to work with

Anton Pretorius

Stress free credit
13:44 07-05-2017
ImageSmart Money People

A stress free, easy to follow through every step.

Lucy Fletcher

Really happy
12:36 02-05-2017
ImageSmart Money People

Had a few different products with Creation now and have been happy with all of them

Chanette Kennedy

21:28 18-04-2017
ImageSmart Money People

Goood and very fast apply for me

Simona Pinkova

Easy,quick and painless transaction
18:17 30-06-2016
ImageSmart Money People

From finding out information about a loan to applying for it,I found stress free and easy to follow at every step.

Lucy Fletcher

Offering and rates are fine but communication needs improvement
09:49 05-05-2015
ImageSmart Money People

Having booked to have my front door and some windows replaced in my house from a service company they offered me the ability to pay in installments using a loan from Creation. The work was done quickly and there were no issues over my loan; however, communication from Creation in terms of confirmation over the loan, repayment amounts and repayment dates were not sent to me until after the work was done and even then the direct debit was set up without confirmation of what exactly was happening.


Our review of Creation Personal Loan

Creation aim to provide straightforward products and their personal loan fulfils this brief. Their website is easy to use, their application criteria are standard for the market and they offer a range of representative APRs depending on the amount applied for. As with like most other lenders just beware that the actual rate you're offered could differ from the representative APR that's shown on site. The reason being that the rate offered also takes into account your personal circumstances.

When applying for a loan with Creation you will need to be an existing eligible Creation customer.

TrustPilot paints a somewhat of a negative picture of Creation, with a score of only 1 out of 5. These are mainly for their retail finance rather than their loans, but there are some complaints of disorganisation (including losing documents and getting personal details wrong) and missed payment charges, which is quite common.

Overall verdict: Creation are a decent company with a straightforward product. If you have good credit then Creation are worth researching if not then look elsewhere.  

Written by: Alex


  • No set up fees
  • Instant decision made online
  • Detailed application
  • Jargon buster guide on website

Minimum criteria

  • You will need to be ages between 23 and 70
  • You must have a minimum gross income of £12,000pa
  • You need a bank or building society current account
  • You need to have good credit history
  • Need to have been a permanent UK resident for at least three years
  • Creation Loans are only available to existing eligible Creation customers.


  • Maximum APR 28.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Creation Personal Loan

Creation Loans are only available to existing eligible Creation customers.

Creation personal loans are between £1,000 and £25,000 which can be paid in fixed monthly increments over one to five years. They advertise a representative APR of 9.9% for amounts between £7,500 and £10,000 and this will change for higher amounts but there are no hidden or arrangement fees to pay.


Company information

Registration number: 01091883

0371 402 3419

Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA

FCA registration

Reference No: 006332

Trading names: Creation Personal Loans

Place of business: Chadwick House Blenheim Court Solihull West Midlands B91 2AA

Data protection registration

Registration No: Z7177090

Data controller: Creation Financial Services Limited

Address: Chadwick House Blenheim Court Solihull West Midlands B91 2AA

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Warning: Late repayment can cause you serious money problems. For help, go to