Creation Personal Loan

2446 reviews

Representative 13.9% APR

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 13.9% APR and an annual interest rate of 13.9% (fixed), you would pay 36 monthly installments of £253.01. The total charge for credit will be £1,608.36 and the total amount payable will be £9,108.36

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.
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Creation Personal Loan customer reviews.

2446 reviews

2.1 out of 5 stars

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.  

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • 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: 311518

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