Qualifying for credit - things you will need

• You must be over 18 years of age
• You must be a UK resident with at least 3 years continual address history
• You must be in full time employment, unless retired or a house-person with a spouse in full time employment
• You must have a UK bank account capable of accepting Direct Debits
• The goods must be delivered to your home address

Frequently asked finance questions:

How much can I borrow?

When going through the checkout, just fill out Creation Finance's easy online application form and you can be approved for up to £25,000 to use for the product you wish to purchase. Use our Calculator to determine how much you can spend based on your monthly payments.

Is A Deposit Required?

No, we now offer finance which doesn't require a deposit. 

How Are My Monthly Payments Made?

All monthly payments are paid by direct debit from your personal bank account. Typically the first payment will be due one month after the date of delivery and subsequent monthly payments will be due every month for the length of your term on that day of the month.

What Type Of Product Can I Buy On Finance?

Anything on our website which is marked showing that it is available on Interest Free Credit (0% APR) or Low Monthly Payments (14.9% APR).

What Length Of Repayment Is Available?

You can choose a 12, 24, 36 or 48 month loan repayment period for interest bearing credit, or 6, 9, 12 18 months for interest free credit or Buy Now, Pay Later.

How Do I Apply?

You can apply on our website, simply follow the checkout process and select “Apply For Finance”.

Can I Pay Off My Loan Early?

You can settle your loan agreement at any time. Simply contact Creation Finance and they will calculate and send you your settlement figure. Your settlement figure and date are calculated in line with the Consumer Credit Act.

Can I apply for finance in the showroom?

Yes you can. Just bring along your chip and PIN enabled VISA or Mastercard credit or debit card, which we will verify and take your deposit from.

What happens if I am moving house?

Your billing address and delivery address have to be same as part of the requirements of Creation Finance, as this serves as your proof of address. If you are moving house you will either need to have the product delivered to your current existing address and take it with you when you move. Or you will need to wait until you have moved into your new property and have registered your new address with your bank/credit cards/utilities/electoral roll. Once you have done this you can then apply with your new address.

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay to the whole of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. You will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

Consumer credit service provided by Creation. Creation is licensed by the Financial Conduct Authority (Consumer Credit Licence: 311518). For more information please visit https://www.creation.co.uk/