Business Details
Trusted Financial Solutions in Solihull
Creation Financial Services has been providing financial solutions for over 50 years, working with some of the UK's most recognised brands to offer accessible finance options. We specialise in personal loans, credit cards, retail finance, and motor finance, with a commitment to transparency, customer support, and ethical practices. As part of BNP Paribas Personal Finance, a global leader in consumer finance, we combine extensive industry experience with a focus on delivering tailored financial products. Our services are designed to help customers spread the cost of purchases, from home improvements and technology to vehicles, with flexible repayment options.We prioritise clear communication, avoiding jargon to ensure customers understand their financial commitments. With dedicated support teams and digital tools like our mobile apps, we aim to make financial management straightforward and accessible. Our sustainability initiatives reflect our commitment to responsible lending and corporate social responsibility.
Services
Personal Loans
Credit Cards
Motor Finance
Retail Finance
Home Improvement Loans
Flexible Credit
Loan Refinancing
Digital Account Management
Payment Plans
Financial Support Services
Highlights and features
- We offer over 50 years of experience in consumer finance.
- Our services are backed by BNP Paribas Personal Finance expertise.
- Transparent terms with no hidden fees or charges.
- Dedicated customer support teams available during extended hours.
- Flexible digital tools including mobile apps for account management.
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Quick approval process
Transparent terms
Helpful support team
Flexible repayment options
Services
Personal Loans
Fixed-rate personal loans from 1,000 to 30,000 with repayment terms up to seven years. No arrangement fees, with 51% of customers receiving our representative APR of 12.9%. Funds available within one working day after approval. Designed for major purchases including home improvements and vehicle financing. Part of BNP Paribas Personal Finance's consumer lending portfolio.
Credit Cards
Credit card solutions including the Creation Financial Services Credit Card and partner-branded cards. Features include Section 75 protection, fraud monitoring, and mobile app management. APR of 29.9% variable with flexible repayment options. Available for high street retailers and online purchases. Includes security features like one-time passcodes for online transactions.
Motor Finance
Specialist motor finance products including hire purchase and personal contract purchase agreements. APR from 17.9% variable with terms up to 60 months. Dedicated support for settlement figures, payment changes, and account management. Available through automotive retailers and dealerships across the UK.
Retail Finance
Point-of-sale financing for retail partners including Currys and B&Q. Options include interest-free periods up to 12 months and flexible repayment terms. Minimum spend requirements from 75 with credit limits for repeated use. Managed through the Creation Financial Services Finance App or online account manager.
Financial Support
Comprehensive financial difficulty support including payment plans and debt restructuring. Partnerships with PayPlan and StepChange for independent advice. Self-declaration forms for accessibility requirements. Financial statement assistance and hardship programmes available for struggling borrowers.
Questions
What types of financial products does Creation Financial Services offer?
We provide personal loans, credit cards, motor finance, and retail finance solutions through major UK retailers.
How can I check my eligibility for a loan?
Use our online eligibility checker which performs a soft credit search without affecting your credit score.
Can I manage my account online?
Yes, through our Creation Financial Services Finance App or Online Account Manager available 24/7.
What support options exist for financial difficulties?
Contact our dedicated support team or use our partnership with PayPlan for debt management solutions.
How quickly are loan funds transferred?
Approved loans typically arrive within one working day after agreement signing.
Do you charge any hidden fees?
No arrangement, overpayment, or early settlement fees apply to our financial products.
Reviews (7)
John Dovecote
Jan 26, 2022
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I have had a Marriott credit card with Creation for a few years now. Never had a problem until recently. Their customer services are nearly non-existent, they dont answer any emails or secure messaging and if you want to speak to a customer services rep, be prepared to be on hold for nearly an hour! I shall be cancelling my card and go with Amex (yes you have a yearly fee, but at least they help you with your queries!)
Nick Taylor
Jan 21, 2022
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Up until now have not had a problem with creation,I want to settle my account and have been on the phone 4 days, I have locked myself out my online account. When someone answered today they sent me a reactivation link that doesnt work! I have sent an email can somebody please contact me as a matter of urgency so I can settle my account.
Naz Rehman
Jan 19, 2022
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Avoid using this finance company. They carry on taking payments after the agreement is finished, trying to call them is a joke as it says it will take more than 60 minutes to get through - what a joke. They don't reply to emails so I've now sent a letter asking for my money back - we shall see what happens (but I'm not holding my breath) . I will never use this company again.
Nathan Cass
Jan 18, 2022
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Absolutely useless. Applied online. Accepted for credit limit of 5k. Unable to actually spend this on the Curry's pc world website. As it show declined everyone I tried to checkout. I phoned creation to attempt to sort out whatever the problem was. Hold time was more than 1 HR, "ain't no one got time for that!" They then sent me a survey which I scored them low on as I hadn't been able to actually use the account. They then closed the account without asking me.... Bizarre. All because I thought I'd spread the cost of an iPad over a few months.
Tracey Willis
Jan 18, 2022
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Three times I have tried telephoning three times to no avail "Your Call is important to us" I don't think so!!! I've been charged 30 for Creation to tell me they failed to take the 1st Direct Debit payment that was set up, now have a 2 pence balance on the account and I can't pay if off because of the minimum payment of 5.00. I expect I will receive another 30 letter, so will have to pay 30.02 WHAT A RIP OFF????????
Liam Hughes
Jan 17, 2022
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Your plan portal doesn't work and hasn't worked since October. They are allowing people's interest free period to expire so that they can claim receive the interest. Absolute con of a finance company. I would advise everyone report them to the FCA. Avoid at all costs.
Tony W.
Jan 11, 2022
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After being on hold for over 45 mins (I know some have been waiting longer) and their website is a non starter, I was finally through to a woman - who hung up! I genuinely hope these clowns fold and soon. After being told my call is 'Important' ad nauseam, I expected a little more than I got. Now I foresee credit troubles in my future... I suggest if you're offered finance, and it's via Creation - then either save up for what you want and go without. Trust me, it'll be better this way! Absolute cowboys!
