Creation Finance is a popular payment plan option at several retailers, especially offline shopping at some top stores.
There is so much convenience in using buy now pay later services to finance your purchases, especially when the option allows for zero-interest checkout.
Interestingly, you can access many of them when shopping online and when you visit the outlets of your favourite retailers.
Creation Finance
Max. Amount
£25,000
Credit Check
Yes
Type
BNPL
Tip: Creation Finance allows you to spread payments for your purchases from £200 up to £25,000 depending on the retailer, your credit score, and the plan option.
While it may not be available on many online shopping portals compared to top options like DivideBuy, it has a huge offline presence, thanks to its acceptance by brands with huge physical outlets.
You can utilise it to enjoy instalment plans of up to 48 months, including without paying interest within the first 12 months.
It powers the credit options of many popular retailers like Curry’s Your Plan, John Lewis Payment Plan, Interest-Free Credit by DFS, and many others with stores spread across several locations.
Selecting Creation Finance at checkout involves a hard inquiry which will affect your credit score but at most providers, you can check your eligibility before applying with no impact.
The minimum cart value required varies per merchant but generally starts from £200 but you will not be able to utilise more than £25,000 in credit limit.
Creation Finance has an APR of 29.9% at most retailers but you can avoid paying interest if repaid within 12 months.
When shopping on some platforms, you may be offered a promotional APR of 9.9% when using it for the first time.
Shops that Accept Creation Finance
Below is the list of retailers that use Creation Finance for payment plans:
Currys
The retailer is into electronics and home appliances, offering products including TVs, laptops, smartphones, kitchen appliances, and more.
The platform’s Your Plan credit option is powered by Creation Finance, with plans ranging from 6 to 48 months.
It requires a minimum cart value of £99 to access the payment plan, which is available online and when you visit any of its physical stores.
DFS
A popular retailer that is known for its collection of sofas and living room furniture. Items include fabric and leather sofas, corner units, and recliners.
B&Q
It specialises in home improvement and DIY products, offering items including tools, building materials, garden supplies, and home decor.
Alongside its support for PayPal Pay in 3, you can enjoy instalment shopping when you select the FlexiPlan at checkout for a cart value of £75 and above.
To enjoy interest-free financing using Creation Finance on B&Q, a minimum cart value of £500 is required. But for other plans, you can access provided your order is up to £75.
ScS
The platform specialises in sofas, carpets, and flooring, providing a range of home furnishing solutions.
A minimum order value of £350 is required to use the credit option when shopping on the ScS website or at any of its physical outlets.
Dunelm
The platform also retails home furnishings and decor, offering products including furniture, bedding, curtains, lighting, and kitchenware.
Dunelm will allow you to use Creation Finance on products that cost a minimum of £100 and to checkout, your total order value must be worth at least £300.
Dreams
The brand focuses on beds, mattresses, and bedroom furniture, with a wide selection of products to ensure a good sleep.
It offers different credit options like V12 Finance and Novuna, in addition to Creation and to access any, you will need to have a cart value of a minimum of £500.
Wren Kitchens
The brand specialises in designing and manufacturing kitchens, offering styles for different use cases.
With Wren, you can enjoy up to 7 years of instalments at a reduced APR of 3.9% on your orders with an initial deposit ranging from 10% to 50% depending on your selection.
Land of Beds
It is into sleep solutions, including divan beds, frames, headboards, and mattresses, offering a range of products from top brands.
John Lewis
It is a popular retailer known for its array of products including fashion, home furnishings, electronics, and beauty items.
EZ Living Interiors
Another retailer that allows you to finance items such as sofas, dining sets, bedroom furniture, and accessories.
The Bathroom Showroom
It specialises in bathroom fixtures and fittings, offering a wide range of products including baths, showers, toilets, sinks, and bathroom furniture.
Popular platforms support it when shopping online and at many of their physical outlets, so you can spread payments on your purchases using Creation Finance with no interest if you can complete payments within 12 months.
However, note that applying will have a temporary impact on your credit score and also, avoid defaulting due repayments.
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