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Creation

Entidad de pago · Reino Unido

Acerca de la empresa

Razón socialCreation Financial Services Limited · Creation Consumer Finance Limited
Año de fundación1973
Sede / país de registroSolihull, United Kingdom
Sitio webwww.creation.co.uk
Última comprobación08.10.2026

According to its official website, Creation is a consumer finance brand that is part of BNP Paribas Personal Finance and says it has been providing finance for more than 50 years. Working with UK electrical, furniture and home improvement retailers and motor dealerships, it offers individuals retail finance (Currys flexpay account, Flexible Finance Account, B&Q FlexiPlan), personal loans, credit cards and motor finance. Creation is the trading name of two companies: Creation Financial Services Limited (FCA 313153), which administers credit card accounts and has its registered office in Solihull, and Creation Consumer Finance Limited (FCA 311518), which provides personal loans, motor finance and retail finance and has its registered office in Belfast; the site says both are separately authorised and regulated by the FCA. Customers manage their accounts through the Creation Finance and Creation Credit Card apps and the Online Account Manager. According to Companies House, Creation Financial Services Limited was incorporated in 1973 and was formerly named Sears Financial Services Limited. This information is the company's own statement.

Datos de la cuenta

TIPOS DE CUENTAPersonal
DEPÓSITO MÍN.Not stated
PLATAFORMASCreation Finance app · Creation Credit Card app · Online Account Manager
PRODUCTOSRetail finance · Personal loans · Credit cards · Motor finance

Licencias y regulación

FCA (United Kingdom)

N.º de licenciaFRN 313153
Titular de la licenciaCreation Financial Services Limited
AlcanceListed in the FCA register as an Authorised Payment Institution under Creation Financial Services Limited (FRN 313153) since 21 May 2018. It also holds consumer credit lending, credit broking and debt collection permissions.
EstadoVerificada

FCA (United Kingdom)

N.º de licenciaFRN 311518
Titular de la licenciaCreation Consumer Finance Limited
AlcanceListed in the FCA register under Creation Consumer Finance Limited (FRN 311518); status Authorised since 14 Jan 2005. It holds consumer credit lending, credit broking, debt collection and insurance assistance permissions.
EstadoVerificada

Quejas de usuarios

Los informes de usuarios encontrados en internet se clasifican por tema. Los gráficos muestran cómo se distribuyen; los informes se recopilan a partir de registros de Trustpilot, WikiFX y Şikayetvar, y los registros de una misma persona se cuentan una sola vez.

Periodo analizado: agosto 2026 – octubre 2026

  • Préstamos y tarjetas de crédito: 29
  • Bloqueo y congelación de cuentas: 21
  • Otros: 21
  • Retiros y pagos: 8
  • Atención al cliente: 8
  • Tarifas y comisiones: 2

ALTO — NIVEL DE QUEJAS

El 26 % de las entidades con registros de quejas recibió más quejas que esta.

POR TEMA — Préstamos y tarjetas de crédito: Muy alto · Bloqueo y congelación de cuentas: Muy alto · Otros: Muy alto · Retiros y pagos: Medio · Atención al cliente: Alto · Tarifas y comisiones: Alto

FUENTES CONSULTADAS

The complaint distribution is based on the latest 1-star reviews on Creation's Trustpilot page (89) as of 8 October 2026; one person's reviews count once, and records about fake sites and third parties using the Creation name are left out. Across the complaints, finance applications declined and orders cancelled despite available credit, app and website login problems, and technical failures stand out.

Fuentes e historial de verificación

Fuentes oficiales de la empresacreation.co.uk — homepage, About us page and footer (legal information)
Registros del reguladorFCA — Creation Financial Services Limited, FRN 313153 · Creation Consumer Finance Limited, FRN 311518 (register.fca.org.uk)
Registro mercantilCompanies House — CREATION FINANCIAL SERVICES LIMITED (formerly SEARS FINANCIAL SERVICES LIMITED), company no 01091883, incorporated 23.01.1973 · CREATION CONSUMER FINANCE LIMITED, company no NI032565
Fuentes de opiniones de usuariosTrustpilot · Şikayetvar · WikiFX
Última verificación08.10.2026

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