How to make a payment ?

Credit and store cards

 

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.

Creation mobile app

The easiest way to manage your account is by using our mobile app which is available for both Apple and Android users. You can make payments towards your card in the app and speed up future payments by saving card details. 

Download the mobile app at the App Store or Google Play

Online Account Manager

Alternatively you can use our Online Account Manager (OAM). If you're making a payment through your OAM, please allow three working days for the payment to reach us.

Bank transfer

For credit cards your account number (starting 5299) must be quoted as a reference. For store cards, your account number (starting 6319) must be quoted as a reference.  Please allow five working days for payments to reach us. Our payment details are:

 

Credit Cards

Account name: Creation Financial Services Limited

Sort code: 40-63-84

Account number: 86447010

IBAN: GB25BNPA4063846447010

BIC: BNPAGB22XXX

 

Store Cards
Account name: Creation Financial Services Limited
Sort code: 40-63-84
Account number: 86009016
IBAN: GB11BNPA4638486009016

BIC: BNPAGB22XXX

 

Remember if you only make the minimum payment each month, it will take you longer and cost you more to clear your balance. 

Telephone

0371 376 9214

Please have your account number to hand when you call. Allow three working days for payments to reach us. Calls may be recorded. Calls are charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

At a bank

Take the payment slip from your monthly statement and your payment to your own bank. A fee may be charged if you use another bank. Please allow five working days for payments to reach us.

By post

Complete the payment slip and make cheques/ postal orders payable to Creation Financial Services Limited. Remember to write your account number (starting 5299 for credit cards or 6319 for store cards) on the back. Please do not staple or fold the cheque/postal order/giro.

Send both to:

Creation Financial Services Limited,
Providence Row,
Durham,
DH1 1RR

You should allow seven working days for payments to reach us. Do not send cash under any circumstances

.

Finance agreements and personal loans

 

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.

Online

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

Telephone

0371 402 8905

Please have your account number to hand when you call. Calls may be recorded. Calls are 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 receivedCalls may be recorded. 

 

UK Customers

Account name: Creation Consumer Finance Limited

Sort code: 40-63-84

Account number: 86015017

IBAN: IE89BOF190001758626946

BIC: BOFIIE2DXXX

 

Republic of Ireland Customers

Account name: Creation Consumer Finance Limited

Sort code: 90-00-17

Account number: 58626946

IBAN: IE89BOF190001758626946
BIC: BOFIIE2DXXX

 

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