Creation Loans
  • Diverse loan options
  • Soft-search facility available
  • Instant decision-making
  • Fixed monthly payments
  • Option to pay extra to reduce interest
  • No charges for early repayments
  • High APR for smaller loans
  • No payment holidays are offered
  • No specific products for bad credit
  • Joint applications are unavailable

In the dynamic landscape of the UK's financial sector, Creation Financial Services stands out as a significant entity. Operating under the prestigious global banking group BNP Paribas, Creation has carved a niche in offering diverse and client-centric financial solutions. These range from personal loans to credit cards, catering to a wide spectrum of financial needs. Their collaboration with numerous high street retailers and other organizations further cements their position as a versatile and trusted financial partner.

Unsecured Personal Loans: A Flexible Solution

At the heart of Creation's offerings are their unsecured personal loans, tailored for those in search of flexible financing without the hassle of collateral. These loans are versatile, catering to a variety of needs such as:

  • Car Purchases: Simplifying the journey of buying your dream vehicle, be it new or pre-owned.
  • Home Improvements: Offering financial support for your home renovation or repair projects.
  • Holidays: Assisting in covering your travel and accommodation expenses for a stress-free vacation.
  • Debt Consolidation: Streamlining your finances by consolidating multiple debts into a single, manageable loan.

Loan Characteristics

Amount Range£1,000 to £25,000
Term Length1 to 5 years
Interest RatesThe representative APR is 13.9% for loans between £7,500 and £10,000
 FeesNo upfront fees or penalties for early repayment

Potential Borrowing and Repayment Terms

Loan amountRepayment term (from and to)
£1,00012 to 36 months
£1,001-£3,00012 to 48 months
£3,001-£15,00012 to 60 months
£15,001-£25,00024 to 60 months

Why Choose Creation?

  • No Additional Product Fees: Stand out from the competition with no extra charges for loan processing.
  • Instant Loan Decisions: Experience swift and efficient access to funds in most cases.
  • Flexible Repayment Options: Enjoy the freedom to make early or overpayments without penalties, enhancing your financial control.

Representative Loan Example

Consider borrowing £7,500 over a 36-month period with a stable 13.9% APR. Your monthly installment would be a consistent £253.01, amounting to a total repayment of £9,108.36. Note that APRs range from 13.9% to a maximum of 29.9%.

Eligibility Criteria

  • UK Residency: At least 3 years.
  • Age Range: Between 23 and 70 years.
  • Income Requirement: A minimum annual income of £9,600.
  • Bank Account: Must hold a bank or building society account.

Application Process

  • Credit-Friendly Eligibility Check: A preliminary check that doesn’t impact your credit score.
  • Full Application: Provide your personal and financial details.
  • E-signing Agreement: For approved loans.
  • Prompt Funding: Funds typically disbursed within 3-5 working days post e-signing.


Creation Financial Services excels in providing a range of personal loan options suited to diverse needs. The clarity in eligibility criteria and the straightforward online application process are noteworthy. While this overview offers a comprehensive insight, prospective borrowers should always seek the most current details directly from Creation, especially regarding interest rates and special offers. If you're in search of flexible, reliable financial solutions, Creation emerges as a compelling choice.

Please be aware: This article serves solely as an informational resource and is not to be regarded as financial guidance. The details furnished are up to date as of January 2024. For the latest offers and terms, kindly consult Creation.

Frequently asked questions

What are the loan options available at Creation Financial Services?

Creation Financial Services offers a variety of unsecured personal loans, which cater to different financial needs. These include loans for car purchases, home improvements, holidays, and debt consolidation. The loan amounts range from £1,000 to £25,000, with repayment terms extending from 12 months to 60 months.

How does Creation accommodate different credit scores?

Creation provides loan products even for individuals with less-than-perfect credit scores. While the interest rates and terms might vary based on the borrower's credit history, they strive to offer competitive rates and flexible terms. Additionally, they have a soft-search facility that allows potential borrowers to check their eligibility without impacting their credit score.

What are the typical interest rates for loans at Creation?

The representative Annual Percentage Rate (APR) at Creation is 13.9% for loans between £7,500 and £10,000. However, this rate can vary depending on the loan amount, term length, and the borrower's individual circumstances. It's important to note that APRs can range from 13.9% to a maximum of 29.9%.

What is the application process for a loan at Creation?

The application process begins with a credit-friendly eligibility check, which doesn't impact the borrower's credit score. If eligible, the borrower proceeds to fill out a full application, providing personal and financial details. Upon loan approval, an e-signing agreement is completed, and the funds are typically disbursed within 3-5 working days post e-signing.

How does Creation ensure customer satisfaction?

Creation ensures customer satisfaction through their high-quality service, transparent and fair pricing, and a range of flexible loan products. They also offer convenient online application processes and a soft-search facility, enhancing the customer experience. Their high customer satisfaction ratings reflect their commitment to meeting the needs and expectations of their clients.