PERSONAL LOANS

Our loans are available from £3,000 to £15,000.

You can repay your loan over 24 to 60 months.

You can take out a loan for almost any reason including home improvements, buying a car, taking a holiday and a whole host of others.

The Representative APR (Annual Percentage Rate) is the interest rate we charge to our customers who apply for a particular loan amount. We may offer a different APR based on your personal circumstances and the amount that you want to borrow.

You can apply online nowGet it now
or call us on 0871 402 3419 and choose option 2.

To complete your Creation loan application we'll need:

• A form of identification
• If you're a UK resident (excluding Northern Ireland) your passport, driving licence or a recent electricity bill
• If you're resident in Northern Ireland your passport
• A landline telephone number (if you don't have a home phone, this can be your broadband number)
• Your residential history for the last three years (including postcode)
• Your bank or building society current account details
• Your credit or debit card details

Using the information you have provided, together with details from a Credit Reference Agency, we assess your application and give it a score. This score is then matched alongside our 'acceptance' score, which is based upon detailed analysis of our experience with previous applicants.

If your application reaches the 'acceptance' score, your application is accepted. If it does not reach this score, it is refused. Credit scoring evaluates the risks attached to an application. This doesn't mean that a refused applicant is a bad payer, but simply means that our acceptance requirements haven't been met.

No, there isn’t a fee to arrange your loan.

In many cases we are able to provide an approval decision instantly after you apply online. However there may be times where this isn't possible or we may need to request additional information.

You can rest assured that every online loan application is protected by the latest 128-bit encryption security software.

You can repay your loan early at any point during the lifetime of your loan by repaying both the capital outstanding and any accrued interest. There will be an early settlement charge.