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 Term 36 - 60 months
Loan Amount £3000 - £15000
Representative / Typical APR 17.9%
Fixed APR Yes
Lender Fee None
Early redemption penalty Up to 58 days interest
Secured against property No
Deferred first payment option Not available
Payment holiday option Not available
Courier service available Not available
Faster payment service Not available
Overpayment option Yes - reduces the loan term only. Monthly payment and sum repayable remain the same
Time to get funds 3 working days
Additional benefits Esignature option, document can be signed electronically on day application approved.