Also known as: Creation; Creation Finance
Creation Financial Services Limited is a UK consumer credit provider that offers credit cards and retail finance products. It is part of the BNP Paribas Personal Finance group, a large European consumer finance business.
Creation provides credit cards under its own brand and also issues credit cards and finance products in partnership with retailers. Retail finance partnerships allow customers to spread the cost of purchases made at partner stores, often with promotional interest-free periods. Partners have included retailers in sectors such as furniture, home improvement, and electronics.
The Creation credit card is a straightforward product aimed at personal customers. It does not carry the same high profile as some of the major high street bank cards, but it is a fully regulated product.
Because Creation Financial Services is part of a large European banking group, it operates in a stable and well-regulated environment. However, as with any credit product, it is important to understand the interest rate and terms before applying.
If you hold a Creation credit card or retail finance agreement and need to contact them, details are available on their website at creation.co.uk. Their registered address is Chadwick House, Blenheim Court, Solihull, B91 2AA. Creation Financial Services Limited is authorised and regulated by the Financial Conduct Authority.
If you are struggling with a Creation credit card or retail finance product and cannot keep up with repayments, contact their customer service team to discuss your situation. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. You do not need to pay for debt help.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Creation Financial Services Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Consumer finance, co-branded credit cards, store cards, gift cards, point-of-sale loans, retail finance, loyalty schemes, data analytics; serves over 4 million customers
Trading names and group notes
BNP Paribas Personal Finance UK operates through two separate companies: Creation Financial Services Limited (01091883) and Creation Consumer Finance Limited. Both trade under the 'Creation' brand. The parent BNP Paribas is a major French bank listed on Euronext Paris. In the UK, John Lewis Partnership and B&Q are among their retail finance clients.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.0
Approx. 112,000+ reviews
Other review sources
Trustpilot: 4.0/5 from 112,000+ reviews — ranked #43 of 112 in Financial Institution category; Positive reviews: ease of 0% financing for large purchases, flexible repayments, transparent terms; Negative reviews: abrupt credit limit reductions, poor communication on eligibility changes; Fairer Finance: fairerfinance.com/ratings/brands/creation; Smart Money People: smartmoneypeople.com/creation-reviews/product/personal-loan; Trustguide.ai: 5,847 reviews summary for Creation Finance
Overall public sentiment
Creation Financial Services holds a 4.0/5 Trustpilot rating from over 112,000 reviews, reflecting broadly positive sentiment for retail finance at point of sale. Customers value the simplicity of 0% finance for major purchases. Negatives include perceived poor communication about credit limit changes and abrupt declines in eligibility for existing customers.
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Date checked
2026-06-05
Next review due
Periodic review
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