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*The rate that you may be offered could differ from the representative APR shown and is based on your personal circumstances and the amount of credit.

Car Loans - Creation Finance

Whether buying your first car, looking to upgrade to something bigger and better, or considering your dream vehicle, a car loan from Creation could be exactly what you need…

We offer competitive car loans through a fast, efficient online application system which allows you to:

Arrange your finances before you go to a dealer – so you can focus on getting the best deal on your next car.

Gives you the ability to own your car outright, and the loan is not linked to your car.

It’s a simple and straightforward unsecured loan, with fixed monthly payments and no hidden fees.

Key Benefits

Our online application takes just minutes to complete and the funds will be transferred directly into your account.

  • Borrow between £1,000 - £25,000, for a term of 1 to 5 years
  • Easy online application with instant decisions
  • Fixed monthly repayments to help you budget
  • No set up charges or hidden fees

We're part of global banking group BNP Paribas, one of the strongest banks in the world. Our aim is to provide straightforward financial products that support you with everyday life. Our customers have told us they don’t want complicated products and we’ve listened. Our products do what they say they do, with no hidden extras or nasty surprises.

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About Car Loans

We believe in transparency and keeping things simple for you. So, here’s a short summary of how a Creation loan works.

Loan repayments

Your repayments will be made monthly with the first payment being made 1 month from the date that your application acceptance is received by us.

Interest charged

The interest rate on the loan is fixed for the entire duration of the loan period so will not change after your loan has been set up. Interest is charged on a daily basis.

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How long will it take for my loan application to be processed?

The online application process takes approximately 10 minutes; if you call our loans team to go through an application it may take a little longer . The decision is instant whichever route you choose to apply through and the funds can be with you within 5 working days following receipt of your signed agreement.

Are there arrangement fees to pay?

There are no arrangement fees or any other hidden fees to set up your Creation Car Loan.

If you need to contact us

Our customer service team could help you on 0371 402 3419. Our team is available Monday- Friday 8:30am – 8:00pm and Saturday – 9:00am – 6:00pm.

Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

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View our full Personal Loans jargon buster.

Are you eligible?

Applying for a Car Loan and whether you’re eligible.

Here’s our criteria which you’ll need to meet in order to apply for a Car Loan with us:

  • You are aged 23 or over and under 70 years old, at date of application
  • You have a minimum income of £12,000 (gross) per annum (not a student, homemaker or unemployed)
  • You have a bank or building society current account
  • You don't have a history of adverse credit i.e. County Court Judgments (CCJs) or bankruptcy
  • You are a permanent UK resident, and have been for at least 3 years

Information needed to apply

To make a Car Loan application, you'll need the following information to hand:

  • Your bank sort code and account number you would like the funds transferred to
  • Your debit/credit card details (to help verify your identity and protect you from fraud)
  • Your home telephone number
  • Your address details for the last 3 years
  • Your employer's name and address
  • Details of your monthly income, rent or mortgage

Try our loans calculator now for a quote

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Get to grips with confusing phrases you'll come across when finding a loan