About Us

From credit cards and personal loans, to retail and motor finance – or spreading the cost of insurance premiums, we’ve a product for you. So whether you’ve bought a TV from Currys PC World, a bed from Dreams, sofa from DFS or have a credit card from IHG, we’re the people creating affordable, useful ways to help you buy the things you want.

Our online account management service and friendly customer service team are here to help and we pride ourselves on helping over four million customers over the last 45 years and being part of BNP Paribas, a global banking group.


Some of our Partners

All you need to know about Creation

We try our best to deliver a great customer experience, and we love to hear how well we’ve done. However, we understand that sometimes things go wrong, and we want to hear about that too so we can make things right. Please find the complaints form at the bottom of the page if you wish to register a complaint with us.

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As one of the UK’s leading finance providers, we have the pleasure of working with some of the best-known brands in the UK.

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We're passionate about our customers and the community - and we're committed to supporting our local communities by actively encouraging our colleagues to get involved in fundraising and volunteering.

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Our Companies

At Creation Financial Services Limited we provide credit cards for a wide variety of partners including high street retailers and leading brands. Across credit cards and store cards, we offer £2bn in credit lines to half a million customers.

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At Creation Consumer Finance Limited, we help customers buy the things they want such as electrical goods, furniture and cars and allow people to spread the cost of their monthly insurance premiums.  We provide retail finance, motor finance, loans and insurance premium finance on behalf of our partners including DFS, Currys PC World, Dreams, Three, SCS and many more. 

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