Interest-Free Credit

To be considered for an application, you must meet the following requirements:

• Be at least 18 years old
• Have resided in the UK for at least 3 years
• Provide a valid email address and mobile phone number
• Have an annual income of £10,000 or more
• Hold a UK bank account for Direct Debit payments
• Present a valid form of identification, such as a UK driving licence (full or provisional), a recent electricity bill dated within the last 3 months, or a valid passport

Yes, a deposit is required - but you're in control. You can choose how much you'd like to pay upfront, with just 25% of the total order value as the minimum.

If your finance application isn’t approved, you’ll receive an email explaining the outcome. Please note that a credit check may be recorded on your credit file. Applications can be declined for various reasons, such as not meeting the lender’s criteria. If this happens, you can still complete your purchase using any of the other payment options available at checkout.

No - there are no hidden fees or setup charges. All payments are completely interest-free, so you won't pay any more than if you'd paid the full amount upfront.

When you begin your application, a soft credit check is carried out to assess your eligibility - this won't affect your credit score.

If you decide to go ahead and complete the full application, a hard credit check will be performed. This will appear on your credit report and may impact your credit score, whether your application is approved or not.

First, use the slider to choose your deposit amount, with a minimum of 25%. As you adjust the deposit, your monthly payment will automatically update. Next, use the second slider to select your 0% finance term, available for up to 36 months depending on your purchase amount. Your monthly payment will update accordingly as you change the term.

Once you are satisfied with your deposit and term, you’ll know your exact monthly payment. Then, simply place your order and pay your deposit.

If your application is approved, you’ll receive an email from Creation Consumer Finance with instructions to register for their online account management tool. Once registered, you’ll be able to view your agreement details, including your repayment start date, and find contact information if you have any questions.

Yes - you can make additional payments or pay off your agreement early at any time. Creation Consumer Finance does not charge any fees for early repayment.

No problem! If you'd prefer not to use finance, you can pay by cash, debit, or credit card instead. Simply pay a 25% deposit when placing your order, and settle the remaining balance before delivery.

If you return your order, we'll cancel your credit agreement and refund any payments you've already made, once the return have been received and processed.