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How can I pay?

Direct Debit

By setting up a monthly Direct Debit, you don’t need to worry about remembering to make repayments- just set it up once and your repayments will be taken regularly. You also have protection under the Direct Debit Guarantee.


The easiest way to manage your account is using Online Account Management. You can make payments, view transactions and update your details securely. If making a payment through Online Account Management, please allow three working days for the payment to reach us.


Fixed Term: 0371 402 8905

Please have your account number to hand when you call. 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.

Bank Transfer

Transfer funds to us using the following sort code and account number. Make sure you include your Creation account number and agreement number as reference. You will find this on your contract and in the welcome documents you received.

UK Customers

Republic of Ireland Customers

Account name: Creation Consumer Finance Limited

Sort code: 30-00-02

Account number: 01324050

Account name: Creation Consumer Finance Limited

Sort code: 90-00-17

Account number: 58626946


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Where do I send my completed agreement?

Please read, sign, date and tick both copies of your Loan Agreement in the highlighted areas before returning one copy to us at the following address:

Creation Consumer Finance Limited,
PO Box 14455,
B25 9ER.

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How much can I borrow?

Our loans are available from £1,000 to £25,000.

You can borrow between £1,000 - £25,000 over 1 to 5 years (12 to 60 months). 1 year term only applicable for loans under £15,000.

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How long can I borrow the money for?

You can repay your loan over 12 to 60 months (in 12 monthly intervals)

You can borrow between £1,000 - £25,000 over 1 to 5 years (12 to 60 months). 1 year term only applicable for loans under £15,000.

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What can I borrow the money for?

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.

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What does Representative APR mean?

The Representative APR (Annual Percentage Rate) is the interest rate we offer the majority of 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.

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How do I apply for a Creation Loan?

You can apply online or call us on 0371 402 3419 and choose option 2.

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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What information do I need to apply for a Creation Loan?

To complete your Creation loan application we'll need:

  • Your bank sort code and account number you would like the funds transferred to
  • 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
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What is credit scoring and how do you use it?

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 declined. 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.

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Is there a fee for arranging my loan?

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

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How quickly will I receive a decision on my loan application?

We will provide an approval decision instantly after you apply online or over the phone. However, there may be times when this isn't possible, or we may need additional information from you.

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How secure is my online loan application?

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

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What happens if I want to repay my loan early?

You can repay part or all of your loan early at any time.

Full repayment – You can repay your loan at any time by contacting us and telling us that you want to settle your loan early. We will calculate your repayment amount which will be valid for 28 days.

Partial repayment – You can pay more than your required monthly payment at any time during the duration of your loan but you’ll need to let us know, by phone or in writing, of your intention to do this.

You can pay by

  • Bank Transfer
  • Online
  • Phone
  • Cheque Payment
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I have several accounts/agreements with you, is it possible to make one payment and have it distributed across these?

No, we are unable to split payments across more than one agreement or account. Where you are paying by any other payment method other than direct debit please ensure that you make separate payments for each account you hold with us quoting your full card number or agreement number.

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What do I need to quote as a reference when making payments?

Please quote your agreement number when making payments for where you would like the payment allocated.

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How might Creation use my personal details?

  • We will use a credit scoring or other automated decision making system together with credit reference agency searches when assessing your application
  • We will make use of information relating to you and to individuals linked to you by a financial association
  • We will add to your file at credit reference agencies details of this agreement, the payments that you make under it, any default or failure to keep to its terms (and any change of address you fail to tell us about when an instalment is overdue). It is important that you give us accurate information.

We will check your details and those of your financial associates with fraud prevention agencies. If false or inaccurate information is provided and fraud is identified, details will be passed to fraud prevention agencies. Law enforcement agencies may access and use this information. We and other organisations may access and use from other countries the information recorded by fraud prevention agencies.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example, when:

  • Checking details on applications for credit and credit related or other facilities;
  • Managing credit and credit related accounts or facilities;
  • Recovering debt;
  • Checking details on proposals and claims for all types of insurance;
  • Checking details of job applicants and employees

Further details on how fraud prevention agencies use your information and which credit reference agencies are used can be obtained by contacting us on 0845 241 1308.

You have a right to receive a copy of the information that we hold about you and you may request this by writing to us. A fee will be payable.

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How quickly will I receive the funds?

If your application is accepted, the funds will usually credit your bank or building society account within 5 working days of receiving your signed agreement (excluding weekends or bank holidays).


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What if I get declined?

If you're unhappy with our decision, you can email us at or if you prefer, write to us at:

Creation Consumer Finance Limited, PO Box 14455, Birmingham, B25 9ER

You can also get a copy of your credit report from the following credit reference agencies:

  • Experian Ltd, Experian Help Service, PO Box 8000, Nottingham, NG1 5GX,
  • Consumer Services, Callcredit Limited, PO Box 491, Leeds, LS3 1WZ,

When writing to the Credit Reference Agencies, please ensure you enclose a £2 administration fee.

Request a Call Back

Interested in a Personal Loan? Leave us some details and we'll be in touch when it suits you.

Call-backs will be carried out within 48 hours

These details will only be used for the purpose of calling you back and won't be stored or passed to any 3rd parties.

Jargon Buster

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