Loans Calculator

Upgrading your car, tidying up your finances or making those all-important home improvements? Check if you are eligible for a Creation Personal Loan without a mark on your credit score and get a Quick Quote in minutes.

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*The representative APR shown is the rate 51% of our customers will receive. 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 the rates offered are subject to status and have a maximum rate of 28.9% APR. *The representative APR shown is the rate 51% of our customers will receive. 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 the rates offered are subject to status and have a maximum rate of 28.9% APR. How much would you like to borrow? Over how many months?

Key Benefits

of Creation Loans

  • 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


Help & Guidance

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.

Loan repayments

Your repayments will be made monthly with the first payment being made one month from the date when we receive your signed credit agreement.

Interest 

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.

 

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 after we have received your signed agreement.

Are there arrangement fees to pay?

There are no arrangement or other 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.

View our full Personal Loans jargon buster.

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 23 or over and under 70 years old, at date of application
  • You have a minimum income of £9,600 (net) per annum (not 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 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 mobile telephone number
  • Your address details for the last 3 years
  • Your employer's name and address
  • Details of your monthly income, rent or mortgage

Apply Now

Charges and interest may be payable if you don’t make any repayments, which means it could cost you more to repay the loan. It may result in you having to repay the loan in full early and legal action being taken to recover the debt.

Find out more