* Minimumum 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 (upto 16hrs per week) / Self Employed / Retired / In receipt of Disability Allowance / Homemaker.

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 in your nearest store

You can calculate your monthly payment here.

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).

The minimum order amount that can be applied for is €500 and you have the option to pay over 6, 9 or 12 months OR €1500 over a term of 18 or 24 months.

There is no maximum amount.

Yes a deposit of 20% upfront is required and the remaining balance is the amount that is paid off in either the 6, 9 or 12 months.

You can usually expect to have a decision within 1 working day. At busy times this may take longer.

Once your application has been approved, a cooling-off period of 14 days applies. Following this, a member of our Customer Service team will contact you to arrange a delivery date that is convenient for you.

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 .

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.

The following items cannot be purchased on finance.

* Floor Models.

* Accessories.

Yes, sale items can be bought on finance.

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

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

No, there are no part deliveries with finance orders.

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.

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.

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.

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'.

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

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

Custom / Special orders cannot be returned.

You can delay the delivery of your purchased items for a max of 4 weeks

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.