Creation

Creation, consumer finance for everyday purchases in the UK

Creation is the trading name under which Creation Financial Services Limited and Creation Consumer Finance Limited operate, two entities independently authorised and regulated by the UK's Financial Conduct Authority. It is part of BNP Paribas Personal Finance, a group that the company itself describes as a leader in consumer finance with fifty years of experience, and presents itself as the structure behind some of the UK's best-known brands.

Its activity consists of offering finance solutions to spread the cost of a purchase, buy a new or used vehicle, or carry out home improvements. The company states it has more than fifty years of experience in providing this type of finance.

Finance products

Creation's catalogue is organised into several product lines, each with its own customer service channel:

• Credit cards, whose account management is handled by Creation Financial Services Limited.
• Personal loans.
• Retail finance, designed to spread the payment for purchases at partner retailers.
• Motor finance, for the purchase of new or used vehicles.
• Insurance, including motor insurance, according to the specific customer service line listed on its website.

Creation Consumer Finance Limited is the entity that provides personal loans, motor finance and retail finance products.

Retailer and brand partnerships

The company works with a network of retailers and partners that, according to its own description, includes furniture and electrical specialists, car dealerships and home improvement companies. Among the finance programmes mentioned on its website are the Currys flexpay account, Flexible Finance Account, B&Q FlexiPlan and Motor Finance. Finance is thus presented as a tool for customers of those retailers to spread the payment for their purchases.

Account management and customer service

Existing customers can manage their accounts through the Creation Finance app and the online account manager. Through these channels it is possible to check the balance, manage the credit limit, make payments and view statements. The company states that 90% of its customers use the online account manager or the app to stay in control of their account. For credit cards there is also a specific app from which payments can be made and spending history can be checked.

Creation maintains separate phone lines depending on the type of product: finance agreements, loans, cards, insurance — including motor insurance — and motor finance agreements. The company warns that calls may be recorded to help improve service and ensure security, including hold periods and use of the automated phone service.

Customer support and security

The website includes a customer support section for those facing financial difficulties, with support options, and a security centre with information and anti-fraud tips for credit card holders. It also publishes documentation on know your customer, data protection, data subject rights, open banking, UK tax strategy, corporate social responsibility, persistent debt and accessibility, among other matters.

Corporate structure and regulation

Creation Financial Services Limited administers credit card accounts and has its registered office at Air, 35 Homer Road, Solihull B91 3QJ, England, with company number 1091883. Creation Consumer Finance Limited, which provides personal loans, motor finance and retail finance, is registered at 6th floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT, Northern Ireland, with company number NI032565. Both are authorised and regulated by the Financial Conduct Authority, with registration numbers 313153 and 311518 respectively.

Location and contact

Air, 35 Homer Road, Solihull B91 3QJ