What is a Soft Eligibility Check
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.
What is a Quick Quote
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.
About Personal Loans
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 1 month from the date that your application acceptance is received by us.
Interest charged
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 charged on a daily basis.
Apply Today
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 following receipt of your signed agreement.
Are there arrangement fees to pay?
There are no arrangement fees or any other hidden 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.
Apply Today
View our full Personal Loans jargon buster.
Are you eligible?
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 £10,000 (gross) 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
Try our loans calculator now for a quote
Apply Now
Check if you're eligible with our 