Creation Finance 4+

What an easy to use app honestly so simple one issue that I personally have is the app doesn’t allow me to make a extra payment in or around my monthly this isn’t a massive deal hence the 5 stars but would be great if there wasn’t a restriction on when I can pay more of my bill.

Thanks for your review! I'm glad you're enjoying the App. I'll make sure to pass through your feedback about making extra payments around your due date. Ola.

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 .

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.

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.

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.