Creation Finance 4+

Interest Free

Thank you creation, Iv been in need of a Washing Machine and TV for quite some time, but could never ever seem to find the money and buy either outright, but due to your 9 month , that I chose in buying both from Curry, I can now afford to get these items, and in doing so, as long as I pay off the amount in full befor the 9 months is up, I will pay no interest, which mean I’ll of saved money had I of chosen the 12month to 36 month pay plan, so thankyou as I was in desperate need of the washing machine.

Dropped my available credit without telling me

I’ve used creation to buy electrical products from a major store for years now . (Kids laptops at Xmas etc) I had a credit limit of £4500 and my use of that dipped and rose with a maximum used of about £2000 and it is currently at £1300 or there abouts and coming down every month . I took out a business insurance policy (about £37 a month) which reflected on my credit score so Creation dropped my available credit to £1500 without telling me . This then shows on my credit score as a negative influence as I’m at about 85% of my credit limit with them so my score has dropped as a result of their actions. They didn’t tell me they were doing this and I only found this out after a phone call to them. Funny enough ( not) they have since sent me numerous e-mails offering me loans at ridiculous interest rates . Basically they’re just another bank looking to rip you off by manipulating your credit score and charging huge interest , in my opinion . When my balance is clear I’ll never use them again . You have been warned folks . Avoid .

Developer Response ,

Hello Brian, I'm sorry you had issues with your account. If you could please email me at appsupport@creation.co.uk along with your account number, and a brief description of the issue. I'll get this looked in to for you as soon as possible. Thanks, Ola.

Not terrible but not great

I have had the app for a while now but it isn’t something I use all the time. However, lately I have been using it a bit more and I was trying to pay off a chunk of my finance. When entering an amount a message kept appearing under the £ amount screen saying that the minimum payment has to be over £5. The amount entered was over £5 but it wouldn’t accept. When I then went to clear the amount from the text box it took me out of that page and to another payment page where I couldn’t enter how much I wanted to pay. It only had an overview. The app is generally quite clunky and most times I end up using the website which is similarly a clunky experience to use but it works better than the app.

Developer Response ,

Hello, I'm sorry you're having issues with payment. Please update your app to the latest version. If you still experience this same issue, please email me at appsupport@creation.co.uk along with your account number, and I'll get this looked in to for you as soon as possible. Thanks, Ola.