Also known as: Creation; Creation Finance
Creation Financial Services Limited is a UK consumer finance company and subsidiary of BNP Paribas Personal Finance, itself a wholly-owned subsidiary of BNP Paribas (France). It offers retail finance, co-branded credit cards, store cards and point-of-sale lending to consumers through partnerships with major retailers. Creation Financial Services Limited and its sister company Creation Consumer Finance Limited together operate under the Creation brand.
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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 and social proof
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.
Source URLs
Date checked
2026-06-05
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