FAQ's For Creation Consumer Finance
Everything you need to know about financing your next bike purchase;
Can I Use Finance To Purchase A New Giant Bike?
Anybody can use our flexible finance options, as long as they meet the following criteria;
- Over 18 years of age
- A Resident in the UK
- In regular employment or able to prove sufficient regular income (pension for example)
- You have a good credit history with no previous bankruptcies, IVAs, debt relief orders, recent CCJ's or defaults
- Gross annual household income of £10,000 or more
If you meet the criteria, then there will be a full credit check upon application to assess further.
Can I Check If I Am Eligible To Apply For Finance Without Having To Process A Full Credit Application?
Yes - on the first step of the application, simply answer 10 questions and Creation Consumer finance will confirm whether you are eligible to apply. The eligibility check doesn't leave a search on your credit file that is visible to any other third party, and if you aren't eligible simply return to the check out and pay via an alternative method.
Can I Use Finance To Purchase A Sale Bike?
Unfortunately, we do not offer sale bikes with 0% finance at the moment, although we do occasionally run limited-time offers in which this may become available.
How Does Financing Work?
Finance is available on selected products ordered through our website, provided by Creation Consumer Finance. The finance offers available are product specific and are displayed on eligible products.
When you proceed with your order, simply choose Creation Consumer Finance at the checkout and you will be redirected to the Creation website to complete your application. If you have any questions or problems with your application you can contact Creation consumer finance.
If your application is successful, your order will be confirmed to Giant - we will contact you by email to let you know your order is proceeding. If your application is unsuccessful, Creation Consumer Finance will inform you and your order will be automatically cancelled.
When Do My Repayments Start?
You don't make any payments until you have collected your items.
Your first payment is approximately 30 days from the point of acceptance, but dependent on when you collect your items. For first payment date details please refer to your credit agreement or contact Creation consumer finance directly.
What Happens If I Want To Return An Item On Finance?
Returns for goods purchased through finance are handled exactly the same as any other order. Simply notify us of your cancellation request via our online form and we will process the cancellation within 3-5 days - any payments you have made will be automatically refunded.
Do I Need A Deposit?
No, all of our current finance offers are zero deposit.
Can I Make A Deposit?
Unfortunately, we are not able to take a deposit with our current finance offer at the moment.
I Wanted To Use A Deposit - What Are My Options?
After the finance agreement has been taken out, you are free to make a payment to Creation consumer finance for any amount you wish to reduce the value of the loan. Any payments made towards your loan will reduce the duration, with the monthly payments staying the same as initially agreed.
My Finance Application Was Declined - Why?
Applications and the final decision is dealt with solely by Creation consumer finance, so we are unable to provide any information on specific cases or reasons for being declined. If you wish to discuss this further, please contact Creation consumer finance directly on 0371 402 8905.
My Application Was Accepted - How Do I Get a Copy Of The Credit Agreement?
A copy of your credit agreement is available to download from your Creation online account, which will be created upon acceptance of the finance. If you are unable to locate your credit agreement, please call Creation consumer finance on 0371 402 8905. Please note, we do not have access to credit agreements.
My Order Is Ready For Collection - What ID Do I Need?
For fraud prevention and security, we ask that you bring a copy of your credit agreement (an online copy is acceptable), Passport or Drivers licence and a utility bill with the same address as the order.
Can A Friend Or Family Member Make The Collection For Me?
Unfortunately not, for fraud prevention and security reasons we can only hand over the bike to the person with the credit agreement.
I Have A Question For Creation Consumer Finance - How Do I Contact Them?
Please call 0371 402 8905 to speak directly with Creation Consumer Finance.
Credit is available subject to status to UK residents aged 18 or over. Giant UK LTD. acts as a credit broker and not as a lender and is registered in England 2167762. Registered office: Charnwood Edge, Syston Road, Cossington, Leicestershire, LE7 4UZ. Credit is provided by Creation Consumer Finance Ltd (6th Floor, Wellington Buildings, 2-4 Wellington Street, Belfast, BT1 6HT), is authorised and regulated by the Financial Conduct Authority (Financial Services Register No. 311518).