One Loan,
One Payment

Make your money work for you. Apply for a Creation Loan to consolidate your debts into a single, affordable, monthly payment.

9.9% APR


For loans between £7500 and £10000

Set a budget you can afford

Single monthly payment

Responsible lender

About Personal Loans

Here’s a summary of how a Creation loan works.

Loan repayments

Your Creation loan repayments will be made monthly. You will make your first payment 1 month from the date we receive your application acceptance.

Fixed interest rates

The interest rate on your Creation loan is fixed, for the entire duration of the loan period. This means it won't change after your loan has been set up. Interest is charged on a daily basis.

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 make an application on the phone it may take a little longer. The decision is always instant. The funds could be with you within 5 working days, as soon as we've received your signed loan agreement.

Are there arrangement fees to pay?

No. We don't charge arrangement fees, or any other hidden fees, to set up your Creation Personal Loan.

If you need to contact us

Our customer service team is available
Monday- Friday 8:30am –- 8:00pm and
Saturday – 9:00am – 6:00pm.

Call us on 0371 402 3419.

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.

Here's how to see if you are eligible.

In order to apply for a loan with Creation, you will need to meet certain criteria:

  • You are no younger than 23, and no older than 70 years old, at date of application
  • Your yearly income is at least £10,000, before expenses
  • You aren't 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 bankrupt
  • You are a permanent UK resident, and have been for at least 3 years
Information needed to apply

To make a Debt Consolidation Loan application, you'll need to have the following information with you:

  • 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
How much can I borrow?

Our loans range from £1,000 to £25,000. You can borrow between £1,000 - £25,000, which you can repay over 1 to 5 years (12 to 60 months). The 1 year repayment term is only available for loans under £15,001.

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

We usually make a decision instantly, whether you apply online or over the phone. However, there may be times when this isn't possible; we may need to carry out additional checks in order to assess your application. In this case, you will receive an email with the result of your application, between 1-3 working days after applying.

How quickly will I receive the funds?

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

Is there a fee for arranging my loan?

No, we do not charge any fees to arrange your loan.

Why do I need to be called to reconfirm my loan purpose?

On web applications over £17,000 to help us protect you and ourselves from any potential fraudulent activity we are required to contact you in person. Our Customer Service team will contact you via telephone to reconfirm your identity and loan purpose. They will contact you on the telephone numbers provided in your application within 48 hours of you being accepted online. Alternatively you could choose to call us on 0371 402 3419*

*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.

Read all FAQs

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Contact Us

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