At least 51% of our customers will receive the representative APR or lower. You will see your personalised rate after the eligibility check; this rate will be based on your personal circumstances and the amount of credit. Our loans and rates offered are subject to status.
Check if you're eligible with our Soft Eligibility Check
Get a Quick Quote before you apply
Instant online decision
Borrow what you need between £1,000 and £25,000
Fixed monthly payments to help you budget
No setup charges or hidden fees
Funds transferred directly into your account
A Soft Eligibility Check does not affect your credit rating or your ability to obtain credit in the future and will not be seen by any other lender. It takes account of information you provide in your application, any information we may already have about you, and any information we may get from other organisations such as credit reference or fraud-prevention agencies.
The Eligibility Check uses information to establish if we would be in a position to offer you Credit based on your circumstances at that time.
Please remember that even if you have passed the Soft Eligibility Check, we reserve the right to refuse any application or to refuse a loan for certain purposes.
With our Quick Quote you’ll be able to see your personalised loan rate without having to go through the full loan application process, saving you time.
If you’re eligible, your personalised quote will be based on your circumstances and will show you your loan rate and monthly repayment amount. Getting a Quick Quote with us will not affect your credit score.
We believe in transparency and keeping things simple for you. So, here’s a short summary of how a Creation loan works.
Your repayments will be made monthly with the first payment being made one month from the date when we receive your signed credit agreement.
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 calculated on a daily basis.
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 after we have received your signed agreement.
There are no arrangement or other fees to set up your Creation Personal Loan.
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.
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:
To make a Personal Loan application, you'll need the following information to hand: