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* Loans rates and amounts are subject to status

Representative example

Based upon a monthly repayment of you could borrow:

over a term of months


Based on an interest rate of (Fixed)

Total amount payable

*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.

Creation Personal Loans

Whether you’re upgrading your car, consolidating existing debts* or making those all-important home improvements, a Personal Loan from Creation could be much more affordable than you think. It’ll also mean planning your finances with confidence, knowing that your monthly repayments are always the same. A Personal Loan from Creation means you could get a simple, competitive loan quickly.

How about seeing how much it might cost to get a loan from us, without initially going through the full application process? Our loans calculator will let you see what your repayments could be. If loans terminology seems a little confusing, then our Personal Loans jargon buster should explain the terms you’re unsure of.

*Debt consolidation could be an option for you but it may result in taking longer to pay off the debt and could cost you more.

Key Benefits

We like to keep things simple and straightforward for you. Our online application takes just minutes to complete and the funds will be transferred directly into your account.

Other benefits include:

  • An instant decision
  • Borrow what you need between £1,000 and £20,000
  • Choose a repayment term from 1 to 5 years (12 monthly intervals)
  • Fixed monthly payments to help you budget
  • No set up charges or hidden fees

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About Personal 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 Personal 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 Personal Loan and whether you’re eligible.

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

  • You are aged 25 or over and under 70 years old, at date of application
  • You have a minimum income of £12,000 (gross) per annum
  • 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 Personal 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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Jargon Buster

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