Creation Personal Loans

For existing eligible Creation customers only.

If you've received a letter from us, please enter your Exclusive Offer Code below to access our Personal Loans Calculator

If you've lost your code please call us.

Haven’t received a letter? - Click Here

For loans over £17,000 the Creation Customer Service team will contact you via telephone to reconfirm your identity and loan purpose following your successful application. This call will occur within 48 hours of your acceptance.

Updating 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.

Key Benefits

  • tick_circleCheck if you're eligible with our Soft Eligibility Check
  • tick_circleGet a Quick Quote before you apply
  • tick_circleInstant online decision
  • tick_circleBorrow between £1,000 and £25,000
  • tick_circleFixed monthly payments to help you budget
  • tick_circleNo setup charges or hidden fees

Creation Loans are only available to existing eligible Creation customers.

If you are an existing Creation Loan customer and have a query on your account, please contact



0371 402 3419 (Option 1)

PLEASE NOTE: As the situation in the UK changes we are not currently taking applications over the phone, allowing us to ensure our colleagues are available to answer the calls from customers in most need. You may still get a quote, check your eligbility or apply for a loan using the links above.

Our call centres are open between (for existing Personal Loans customers only):

Mon - Fri

8:30am - 5:30pm





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



Existing Personal Loan customers: If you’re an existing customer, please contact us directly by logging into your Personal Loan Account.



General correspondence

Creation Customer Enquiries Chadwick House
Blenheim Court
B91 2AA


Signed agreements

Signed agreements should be returned to:
Creation Consumer Finance Limited
PO Box 14455
Birmingham B25 9ER

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.

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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.

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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 69 years old, at date of application
  • You have a minimum income of £9,600 (net) per annum, are in paid employment or retired (not a student, homemaker, self-employed 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



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