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The Daily Insight

What retailers use creation finance?

Author

Matthew Wilson

Updated on February 25, 2026

Creation provide finance for many well-known high street retailers, insurance brokers, motor finance companies and home improvements organisations including DFS, Sofaworks, Currys PC World and many more.

Who owns Creation Financial?

BNP Paribas
Our online account management service and friendly customer service team are here to help and we pride ourselves on helping over four million customers over the last 45 years and being part of BNP Paribas, a global banking group.

How do I cancel creation finance?

To close or cancel your account with us, please call our Customer Services. We are unable to re-open a closed account.

How do I speak to someone at Creation finance?

Want to talk to us?

  1. Loans Customers. T: 0371 402 3419. Opening times. Mon – Fri: 8:30am – 5:30pm.
  2. Insurance. (incl. motor) Customers. T: 0371 376 9200.
  3. Credit Card Customers. T: 0371 376 9214. Opening times. Mon – Fri: 8:30am – 5:30pm.
  4. Finance Agreement Customers. T: 0371 402 8905. Opening times. Mon – Fri: 8:30am – 5:30pm.

Who provides Currys finance?

Creation Consumer Finance Ltd
Spread the cost 24.9% APR Representative (Variable) Credit subject to status. Currys Group Ltd acts as a credit broker and not as a lender. Credit is provided by Creation Consumer Finance Ltd. Both Currys Group Ltd and Creation Consumer Finance Ltd are authorised and regulated by the Financial Conduct Authority.

Is creation finance regulated?

Creation Consumer Finance Limited is authorised and regulated by the Financial Conduct Authority.

Is creation a credit provider?

ACTION required. Credit Card online. Let’s protect your account.

How long does a creation loan take?

How soon can I get the money? If your loan application is successful, Creation will transfer the funds into your bank account within 5 working days of the signed loan agreement being received. This excludes weekends and bank holidays.

Does ScS use creation finance?

Your deposit is payable on completion of a successful finance application with ScS. Creation Finance is our first line finance provider and if you do not meet their eligibility requirements you can also apply for a loan with V12 Finance.

Why is creation taking money out of my bank?

If you have made a purchase from such a retailer and have chosen to pay for your goods on finance, Creation may well be the provider of that finance. Creation will appear on your bank statement in relation to your regular finance payment amount.

Does Currys finance affect credit score?

Does the check affect my credit rating? Our soft credit search does not affect your credit rating or your ability to obtain credit in the future and will not be seen by any other lender.

Who are Creation Financial Services Limited?

Creation Financial Services Limited provides and is the issuer of credit cards. Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA (England – company number 1091883). Authorised and regulated by the Financial Conduct Authority. Creation Consumer Finance Limited provides personal loans.

Where is creation consumer finance registered in Ireland?

Registration Number 313153 Creation Consumer Finance Limited provides personal loans. Registered Office: 4th – 6th floor Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT (Northern Ireland – company number NI032565). Authorised and regulated by the Financial Conduct Authority.

Who are crecreation financial services?

Creation Financial Services Limited provides and is the issuer of credit cards. Registered Office: Chadwick House, Blenheim Court, Solihull, West Midlands B91 2AA (England – company number 1091883). Authorised and regulated by the Financial Conduct Authority.

What does Creation Financial Services do for retailers?

Creation Financial Services Limited Creation Financial Services Limited At Creation Financial Services Limited we provide credit cards for a wide variety of partners including high street retailers and leading brands. Across credit cards and store cards, we offer £2bn in credit lines to half a million customers.