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Creation Financial Services

Creation offer personal loans and secured homeowner loans. Decisions for personal loans are made within 10 minutes.

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About Creation Financial Services

Creation Financial Services provide a wide range of financial services to customers across the United Kingdom. They are perhaps best known for being behind many UK store cards, but they offer much more besides.

They are part of the BNP Paribas banking group, the French financial services group behind one of the biggest banks in the world, with a history dating back to 1848. The financial products provided by Creation are used by over 4 million customers, as of 2014, and they include personal loans and credit cards, as well as the store cards that are linked to some of the country’s biggest retailers.

Since its formation, Creation Financial Services have provided financial products branded under the name of some of the most well known names in UK retail. These include Currys, Argos, and Asda, as well as Marriott Hotels.

Customers who don’t read the full terms and conditions may be unaware that their card is provided courtesy of Creation, until their statement arrives. Terms and conditions, payment terms, and interest rates can vary depending upon the outlet or organisation that the card has been taken through.

Creation Financial Services also operate under the name of Sygma Bank UK. This is the name used for their credit card operation. Again, this is done largely in conjunction with high street retailers, but they also provide credit cards on behalf of some Premier League football clubs, including Everton FC.

Consumers can also apply directly to Creation, through their website, for a personal loan, including personal loans and secured homeowner loans. Decisions can be expected within ten minutes, and personal loans are available for amounts between £3,000 and £20,000. The loan can be paid back over two to five years.

Larger loan amounts may be available to homeowners. There are no set up charges for any of their loan products.