Creation Personal Loan

APR: 9.9% Representative
Loan amount: £1,000 - £25,000
Repayment duration: 24 - 60 Months
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Creation Personal Loan customer reviews

1.7 out of 5 from 135 reviews

Great service

18:47 22-06-2017

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Customer service is excellent, always been so helpful

Emma Brunton

Great service

11:35 21-05-2017

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Wonderful experience and easy to work with

Anton Pretorius

Stress free credit

13:44 07-05-2017

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A stress free, easy to follow through every step.

Lucy Fletcher

Really happy

12:36 02-05-2017

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

Chanette Kennedy


21:28 18-04-2017

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Goood and very fast apply for me

Simona Pinkova

Easy,quick and painless transaction

18:17 30-06-2016

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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

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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

Our review by Alex
Written by: Alex
Consumer sentiment


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 your 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 have good credit history – no blemishes or slip ups. One thing that does differ from competitors is that you need to be over 23, the majority of lenders say you need to be over 18 or 21, so just bear that mind.

TrustPilot paints a somewhat of a negative picture of creation, with a score of only 2.8 out of 10. These are mainly for their retail finance rather than their loans, but some 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.  


  • 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


  • Maximum APR 19.9%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About Creation Personal Loan

Creation offer personal loans 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 £1,000 and £10,000 and this will change for higher or lower amounts but there are no hidden or arrangement fees to pay.

To apply for a Creation personal loan you will need to meet a certain set of criteria. You must be aged between 23 and 70, you must have a minimum gross income of £12,000 per year (you cannot be unemployed) and you must have a good credit history, which means no CCJs or bankruptcy.

The online application can take up to 10 minutes to complete, but it can take a little longer if you speak to one of Creation’s phone team. You’ll receive an instant decision whichever method you use and once you have sent back your signed agreement the funds should be in your account within five working days.

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