Creation is the trading name of LaSer UK, which consists of four separate companies; Creation Financial Services, Creation Consumer Finance Ltd, Sygma Bank UK and Creation Marketing Services Ltd. LaSer UK began in 1973 as the financial services arm of Selfridges and is now partnered with many high street names such as DFS, Argos, Currys, Dell and Dreams.

Creation Loan Features

Loan Term36 - 60 months
Loan Amount£3000 - £15000
Representative / Typical APR17.9%
Fixed APRYes
Lender FeeNone
Early redemption penaltyUp to 58 days interest
Secured against propertyNo
Deferred first payment optionNot available
Payment holiday optionNot available
Courier service availableNot available
Faster payment serviceNot available
Overpayment optionYes - reduces the loan term only. Monthly payment and sum repayable remain the same
Time to get funds3 working days
Additional benefitsEsignature option, document can be signed electronically on day application approved.