Who can apply for credit?

* Minimum age of 18 years at date of application.

* Resident in the Republic of Ireland for minimum of 3 years.

* Be able to supply a telephone number (this can be either a landline or mobile number).

* Have a bank account that supports direct debit.

* Employment status: Full-time employment (16hrs+ per week / Part time employment (up to 16hrs per week) / Self Employed / Retired / In receipt of Disability Allowance / Homemaker.

Can I apply for finance online?

Yes you can apply for finance online - you can submit your details and supporting documents via our online form by clicking here

We are more than happy go through your finance application and review all required documentation. All finance agreements approved online must be finalized with your signature and valid ID.

Our finance team will be happy to help you and you can reach them by email at [email protected] or by phoning 0818 222 272 Mon to Fri: 8.30am to 5.00pm

What is my monthly repayment?

You can calculate your monthly payment here.

What do I need when applying for finance?

When applying for finance (online or instore) you must have the following:

* Proof of ID.

* Proof of Address.

* Proof of Bank Details.

* Proof of PPSN (Personal Public Service Number).

A full list of acceptable documents can be found on our finance page here.

What is the minimum amount of credit I can apply for?

The minimum credit amount (order total minus any deposit paid) that can be applied for is €500 and you have the option to pay over 6, 9 or 12 months. For order totals over €1500 you have the option to pay over a term of 6, 9, 12, 18 or 24 months.

What is the maximum amount of credit I can apply for?

There is no maximum amount.

Do I need to give a deposit on a finance order?

There is no requirement to pay a deposit on orders for standard stock items. For made to order or special order items a 20% deposit is required.

How soon will I know if I have been accepted for finance?

You can usually expect to have a decision within 2 working days. At busy times this may take longer.

When should I expect my delivery after being accepted for finance?

Once your application has been signed, a cooling-off period of 14 days applies. Delivery will be booked for a date after the cooling period.

Where can I get my goods delivered to?

At the time of application you can specify where you want delivery of your goods however if you require delivery to an alternative address we will need a current dated document with proof of this address.

Do I need to be at home when my order is being delivered?

Yes, only the person named on the Finance agreement can accept delivery of the items purchased on Finance. The person who took out the finance MUST be the person who signs for delivery.

Can I purchase any product on 0% finance or are there restrictions?

The following items cannot be purchased on finance.

*Christmas decorations

Can sale items be bought on finance?

Yes, sale items can be bought on finance.

How many months will my repayments be spread out over?

For orders under €1500, repayments can be over 6, 9 or 12 months - Orders over €1500, repayments can be over 6, 9, 12, 18 or 24 months

Can I collect my finance order from the shop/warehouse?

No, all orders must be delivered to the address specified at time of application.

Can I receive part delivery of my order if some items are not due into stock for some time?

No, there are no part deliveries with finance orders. At the time of purchase, if some of your items are not in stock you can opt to split the order in two and have two separate finance agreements. Each finance agreement must meet the minimum €500 credit criteria.

When will my first payment be taken?

The first payment is always displayed as 30 days* after the date of proposal.

If the goods are delivered within 20 days of the date of proposal, then your first payment date will remain as shown on your loan agreement.

If the goods are delivered within 21 days or more after the date of proposal, your first payment date automatically defaults to the same day of the next available month.

For Example.

* An agreement proposed on the 5th October will display a first payment date of 5th November.

* If the goods are delivered on 27th October, the first payment date automatically defaults to 5th December.

* Exception - Creation Finance do not allow payment dates of the 29th, 20th or 31st. Instead these will default to the 1st of the following month.

Your first payment will not be taken until you have received your goods.

I have received my order and have a query in relation to my payments?

You will need to contact creations directly who will be happy to help with any queries you have.

Creations Phone Number: 048 90267603.

Monday to Friday: 08.30 - 20.00.

Saturday: 09.00 - 18.00.

Sunday: 10.00 - 16.00.

What is the cooling off period?

This is a period of time (14 days) from when the finance agreement is signed within which you can change your mind and cancel the agreement.

Can we pay off a finance agreement earlier than agreed?

Yes you can make additional payments or settle your account early by calling 048 90267603 or by visiting www.creation.co.uk and click on 'My Account'.

What interest am I charged or is there any additional fees?

We offer a 0% interest free finance and no additonal fees are charged.

Can I return items purchased on finance?

Items must be returned within 14 days with proof of purchase, unopened and in a saleable condition. Products returned may be subject to a re-stocking charge

Custom / Special orders cannot be returned.

Can I delay the delivery of items purchased on finance?

You can delay the delivery of your purchased items for a max of 6 weeks

Can I cancel my order?

You have 14 days from the day you take out the finance with us to opt out of finance agreement.

If you cancel your order after the 14 day cooling off period your deposit will be kept as a credit on your account. Special Orders cannot be cancelled and if cancelled you will forfeit your deposit.