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Creation Finance Reviews

Rated 4 based on 5847 Reviews

AIR Building, 35 Homer Rd, Solihull B91 3QJ

Financial Services Solihull

Published on
August 24, 2025
Last updated
August 24, 2025

Reviews Summary

Customer sentiment towards Creation Finance is notably mixed, with both positive and negative experiences documented in the reviews. Reviewers consistently note the ease of the application process and the convenience of managing loans through the mobile app or website. Key positive behaviors include timely reminders, clear interest-free terms, and flexibility in payments. However, common criticisms focus on unexpected credit limit reductions without explanation and issues with payment collection, which some users find unsettling and frustrating.

The most frequent themes relate to the simplicity of securing financing for significant purchases and the transparency of 0% interest periods offered by Creation Finance. Customers highlight the flexibility to make extra payments and the straightforward management of accounts across devices. Negative feedback, however, centers around poor communication regarding changes to credit limits, abrupt declines in eligibility, and perceived prioritization of company interests over customer loyalty.

Overall, Creation Finance is regarded as a convenient and accessible option for purchase finance, but limitations in communication around account changes and credit management affect its reputation. The service is popular among users seeking quick, interest-free financing for high-value goods, though its policies on credit limits and payment handling may leave some customers dissatisfied.
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What Customers Are Saying About Creation Finance?

Great way to spread the costs

Easy to use system

extremely good

very easy to manage and track

great service and I would recommend

most helpful since I had missed few payments

very easy and convenient

fairly easy to use

Made everything easy with peace of mind

Trustguide extracts key phrases from reviews about Creation Finance and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 50% of Creation Finance's customers had a positive experience.

Positive
50%
Neutral
10%
Negative
40%

Creation Finance Ratings

5

As of Based on 5847 revies as of Aug 24, 2025

Creation Finance Score

50%

As of Based on 5847 revies as of Aug 24, 2025

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Customer Reviews

As of Aug 24, 2025, 5847 customers have reviewed this business and rated it 4 Star out of 5. Trustguide conducted an in-depth analysis of Creation Finance's publicly available reviews View source

Steve Chawner rated Creation Finance 1 stars
a week ago
I used Creations with my Curry's account, with a healthy 5k credit limit (not that I've used it all ). My Experian & Totally Money credit agency scores are perfect, yet out of the blue, Creations contact me to say that due to information they have received we are reducing your credit limit to £200. I have purchased a number of items like washing machine, American Style Fridge, laptop etc, all paid up within their 9 months of interest free credit, and there has never been any defaults on payments, yet they do this. Totally unacceptable. I would recommend, for that purchase, big or small, you look for an alternative source.
Steve Hare rated Creation Finance 5 stars
a week ago
Excellent service, great way to spread the costs of a furniture purchase. I love the fact that you can pay off as much as you want with extra payments which then make your monthly direct debit lower. Easy to use system whether it's by the app on your phone or website on the PC. Have used the service over the last few years purchasing a number of electrical items buy now pay later, giving plenty of time to save up and pay off in full interest free.
Andrew Lusher rated Creation Finance 5 stars
a week ago
My overall experience with Creation Finance has been extremely good. I always was reminded of my monthly payment in advance through email and the 36 month 0% interest flew by. The email confirmation of my final payment proves they are a good finance company to deal with. Much appreciated 👏

Frequently Asked Questions About Creation Finance

How easy is it to apply for credit with Creation Finance?

Applying for credit is highlighted as very simple and convenient, with most users completing the process easily online or through the mobile app. Reviews indicate the application is straightforward and approval can be quick, especially for purchasing high-value goods.

Can I pay off my Creation Finance loan early or make extra payments?

Yes, customers frequently mention the ability to make additional payments at any time, which lowers the monthly direct debit amount. Early full repayment is possible, and the app or website allows for flexible account management.

Why might my credit limit be reduced with little warning?

Multiple reviews reflect sudden credit limit reductions without clear explanation. Creation Finance may adjust limits even for customers with good payment history, often following large repayments. Users are sometimes notified by email, leading to confusion or dissatisfaction.

About Creation Finance

Financial Services
Creation Finance is a finance company that provides credit and loan solutions, primarily for the purchase of consumer goods such as furniture, electrical items, and household appliances. The company offers interest-free credit deals, commonly partnering with retailers to allow customers to spread payments over agreed fixed terms. Services are accessible online, via a smartphone app, and through a web portal.

Operational processes include a streamlined application and approval process conducted digitally, direct billing through monthly direct debits, and account management tools that allow extra repayments or changes to payment schedules within their app or website. Users receive regular payment reminders and clear terms for interest-free periods. Customer service handles after-sales queries and payment issues via digital communication channels.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.