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Reply-To: "Creation" <mail.iobjlzodkanyoncvhf@secure.creation.co.uk>
From: "Creation" <Creation@secure.creation.co.uk>
To: <bob@sarahharvey.com>
Subject: Robert, check your exclusive loan offer today
Date: Wed, 15 Jul 2026 17:49:48 +0100
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<https://secure.creation.co.uk/c/11nd8ZZ16rPT8ca2ZesH3hILgSny>
Creation Loans | View online
<https://secure.creation.co.uk/q/1fb3ZoJNzPBg0bGFFyPxPel/wv>
Borrow £5,000 for just £119.69 per month
Hi Robert
Based on what we know about you as a Currys flexpay account customer, we'd
like to invite you to apply for a Creation Loan1.
Our invite is valid until 30 July 2026 and may change after that.
<http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-loans-bau-email-july-2026/creation_loans_bau_email_july_2026/images/2_finance_search.png>
Check you’re pre-approved2 with a personalised rate, and no impact on your
credit score. <http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-loan
s-bau-email-july-2026/creation_loans_bau_email_july_2026/images/3_money_icon.png>
You could get your money the next working day3. <http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-loan
s-bau-email-july-2026/creation_loans_bau_email_july_2026/images/4_calculator_icon.png>
16.4% APR Representative4 for loans £5,000 to £7,499.Get your offer – how to apply:
<https://secure.creation.co.uk/c/11nd9fb6g7HnybXYD66bSw513I1V> Our App <https://secure.creation.co.uk/c/11nd9unbpNyRYbLUgXJGHKrgQxGi> Our website
Make sure you're opted into 'In-app messages' to see your offers.
Loans made simple
To help you understand how much a loan would cost, here's our representative
example that shows how much a Creation Loan of £5,000 would cost at least
51% of customers.
Representative example4
If you take a loan of £5,000 over 60 months at a representative APR of 16.4%
APR with an annual fixed rate of 16.4%, your monthly repayments would be
£119.69. The total amount you’d repay would be £7,181.40.
The important bits
* We're inviting you to apply for a loan based on information we hold on you
at the date this email is sent.
* If you apply, we'll ask you to do an eligibility check without affecting
your credit rating, but will help us decide if we can offer you a loan.
* If you pass our eligibility check, you'll be pre-approved for a loan and
you'll see your personalised interest rate.
* If you go ahead and complete a full application, we’ll do a full credit
check with the credit reference agencies. This check may affect your credit
score and we may still refuse an application at this stage.
* Making late or missing repayments can have an impact on your credit file
and affect your ability to obtain credit in the future. For support
information please click here
<https://secure.creation.co.uk/c/11nd9JzgztqmobzPUPnbwYNwDnkF> .
Thanks
The Creation Team
<https://secure.creation.co.uk/c/11ndadXqSP9lebbHcyEbbrw2d2Dp>
<https://secure.creation.co.uk/c/11ndat9w2v0PEaZCQqhG0FShZShM>
<https://secure.creation.co.uk/c/11ndaIlBcaSk4aNyuhVaPUexMHW9>
<https://secure.creation.co.uk/c/11ndaXxGlQJOuaBu89yFF8ANzxAw>
Everything else you need to know
To apply for a Creation Loan, you'll need to:
* be aged 23 to 70 when you apply
* have lived in the UK for a least 3 years
* earn at least £9,600 a year (after tax)
* provide a mobile number and email address
Our invitation doesn't guarantee you'll get a loan. Even if you pass our
checks, we may still refuse an application or decide not to lend for certain
purposes.
1. Why are you receiving this offer?
We’ve been able to pre-screen the information we hold on you as an existing
customer, on the date this communication is sent. Which means we can invite
you to apply for a personal loan.
2. What does pre-approval mean?
Pre-approval is when we check if you're likely to be accepted for a Creation
Loan. It means we're confident we can lend to you if your details are
correct and you pass our final checks.
We'll contact credit reference agencies during this step, but it won't
affect your credit score or be seen by other lenders. If you go ahead and
apply, we'll then do a full credit search, which may leave a record on your
credit file.
3. When will you get the money?
We’ll release your funds the next working day from the date of e-sign,
subject to final checks.
4. What does ‘Representative APR’ mean?
To help you understand how much a loan would cost, our Representative APR
shows how much a Creation Loan of £5,000 would cost at least 51% of
customers.
Your own rate may be different, depending on your personal details and how
much you borrow. The highest rate we may charge you is 29.9% APR.
How do we decide your interest rate?
If you do an eligibility check for a loan with us, we’ll use the details
from the application to give you a personalised rate based on information
such as your credit score, personal circumstances and loan amount. We decide
the interest rate we can offer you, which may differ from the representative
APR. There are no arrangement fees.
Can I repay my loan early?
Yes, you can pay off your loan at any time. If you'd like to do this, we'll
give you an early settlement figure that's valid for 28 days. This includes
the interest for the month you make your request, plus up to 28 days' extra
interest. By paying off your loan early, you'll pay less interest overall
than if you kept making your regular payments for the full term.
<http://secure.creation.co.uk/files/amf_laser_uk/project_445/creation-loans-bau-email-july-2026/creation_loans_bau_email_july_2026/images/5_visually_impaired_icon.png>
If you need any support to manage your account, for example communications
in Braille or Large Print, you can tell us by completing a Self-Declaration
form here <https://secure.creation.co.uk/c/11ndbcJLvwBiUappM1caumX3mneT> .
Creation Consumer Finance Limited is authorised and regulated by the
Financial Conduct Authority, Registration Number 311518.
Creation Consumer Finance Limited, Registered Office: 6th floor, Wellington
Buildings, 2 – 4 Wellington Street, Belfast, BT1 6HT. Registered in Northern
Ireland NI032565.
If you don’t wish to receive marketing emails in the future, you can
unsubscribe here <https://secure.creation.co.uk/u/17olkzziCoxHR28B9a3fuj8> .
© Creation 2026
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Robert</span></h2>
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<p style=3D"margin: 0; margin-bottom: 15px;">Based on what we know about =
you as a <span style=3D"font-family: 'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif; font-weight: bold;">Currys flexpay =
account</span> customer, we'd like to invite you to apply for a <span =
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sans-serif; font-weight: bold;">Creation Loan<sup style=3D"line-height: =
0; font-size: 60%;">1</sup></span>.</p>
<p style=3D"margin: 0;">Our invite is valid until <span =
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sans-serif; font-weight: bold;">30 July 2026</span> and may change after =
that.</p>
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class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; =
border: 0;" align=3D"center" =
src=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creati=
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pre-approved<sup style=3D"line-height: 0; font-size: 60%;">2</sup> with =
a personalised rate, and no impact on your credit score.</td>
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<td class=3D"pad" style=3D"vertical-align: middle; color: #154734; =
font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-size: 16px; font-weight: bold; padding-bottom: 15px;" =
align=3D"left"><!--[if vml]><table align=3D"left" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" =
style=3D"display:inline-block;padding-left:0px;padding-right:0px;mso-tabl=
e-lspace: 0pt;mso-table-rspace: 0pt;"><![endif]--> <!--[if !vml]><!-->
<table class=3D"icons-inner" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; display: inline-block; padding-left: 0px; =
padding-right: 0px;" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0"><!--<![endif]-->
<tr>
<td style=3D"vertical-align: middle; text-align: center; padding-top: =
0px; padding-bottom: 0px; padding-left: 0px; padding-right: 15px;"><img =
class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; =
border: 0;" align=3D"center" =
src=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creati=
on-loans-bau-email-july-2026/creation_loans_bau_email_july_2026/images/3_=
money_icon.png" alt=3D"Icon" width=3D"57.42056074766355" =
height=3D"auto"></td>
<td style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-size: 16px; font-weight: bold; color: #154734; =
vertical-align: middle; letter-spacing: normal; text-align: left; =
line-height: 1.4; mso-line-height-alt: 22px;">You could get your money =
the next working day<sup style=3D"line-height: 0; font-size: =
60%;">3</sup>.</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"icons_block block-7" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #154734; =
font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-size: 16px; font-weight: bold;" align=3D"left"><!--[if =
vml]><table align=3D"left" cellpadding=3D"0" cellspacing=3D"0" =
role=3D"presentation" =
style=3D"display:inline-block;padding-left:0px;padding-right:0px;mso-tabl=
e-lspace: 0pt;mso-table-rspace: 0pt;"><![endif]--> <!--[if !vml]><!-->
<table class=3D"icons-inner" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; display: inline-block; padding-left: 0px; =
padding-right: 0px;" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0"><!--<![endif]-->
<tr>
<td style=3D"vertical-align: middle; text-align: center; padding-top: =
0px; padding-bottom: 0px; padding-left: 0px; padding-right: 15px;"><img =
class=3D"icon" style=3D"display: block; height: auto; margin: 0 auto; =
border: 0;" align=3D"center" =
src=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creati=
on-loans-bau-email-july-2026/creation_loans_bau_email_july_2026/images/4_=
calculator_icon.png" alt=3D"Icon" width=3D"57.42056074766355" =
height=3D"auto"></td>
<td style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-size: 16px; font-weight: bold; color: #154734; =
vertical-align: middle; letter-spacing: normal; text-align: left; =
line-height: 1.4; mso-line-height-alt: 22px;">16.4% APR =
Representative<sup style=3D"line-height: 0; font-size: 60%;">4</sup> for =
loans =C2=A35,000 to =C2=A37,499.</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"divider_block block-8" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 30px; padding-bottom: 30px;" =
align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; =
border-top: 1px solid #96dc00;"><span style=3D"word-break: =
break-word;"> </span></td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"heading_block block-9" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"width: 100%; padding-bottom: 30px;" =
align=3D"center">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; font-family: =
'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 22px; =
font-weight: bold; letter-spacing: normal; line-height: 1.3; text-align: =
left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 29px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Get your =
offer – how to apply:</span></h2>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"row row-3" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #ffffff; vertical-align: top; border-radius: 0px;" =
width=3D"33.333333333333336%">
<table class=3D"button_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" align=3D"left"><a style=3D"color: #ffffff; =
text-decoration: none;" =
href=3D"https://secure.creation.co.uk/c/11nd9fb6g7HnybXYD66bSw513I1V" =
target=3D"_blank"><!--[if mso]>
<![endif]--><span class=3D"button" style=3D"background-color: #337f37; =
border-radius: 50px; color: #ffffff; display: inline-block; font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: =
16px; font-weight: bold; mso-border-alt: none; text-align: center; =
width: auto; word-break: keep-all; letter-spacing: normal; border: 0px =
solid transparent;"><span class=3D"btn-pad" style=3D"word-break: =
break-word; padding-left: 60px; padding-right: 60px; padding-top: 9px; =
padding-bottom: 9px; display: block;"><span style=3D"word-break: =
break-word; line-height: 32px;">Our App</span></span></span><!--[if =
mso]></center><![endif]--></a></td>
</tr>
</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #ffffff; vertical-align: top; border-radius: 0px;" =
width=3D"66.66666666666667%">
<table class=3D"button_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left: 20px;" align=3D"left"><a =
style=3D"color: #ffffff; text-decoration: none;" =
href=3D"https://secure.creation.co.uk/c/11nd9unbpNyRYbLUgXJGHKrgQxGi" =
target=3D"_blank"><!--[if mso]>
<![endif]--><span class=3D"button" style=3D"background-color: #337f37; =
border-radius: 50px; color: #ffffff; display: inline-block; font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: =
16px; font-weight: bold; mso-border-alt: none; text-align: center; =
width: auto; word-break: keep-all; letter-spacing: normal; border: 0px =
solid transparent;"><span class=3D"btn-pad" style=3D"word-break: =
break-word; padding-left: 45px; padding-right: 45px; padding-top: 9px; =
padding-bottom: 9px; display: block;"><span style=3D"word-break: =
break-word; line-height: 32px;">Our website</span></span></span><!--[if =
mso]></center><![endif]--></a></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"row row-4" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #ffffff; vertical-align: top;" width=3D"100%">
<table class=3D"paragraph_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; =
font-weight: bold; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 22px;">
<p style=3D"margin: 0;">Make sure you're opted into 'In-app messages' to =
see your offers.</p>
</div>
</td>
</tr>
</table>
<table class=3D"divider_block block-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 30px; padding-bottom: 25px;" =
align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; =
border-top: 1px solid #96dc00;"><span style=3D"word-break: =
break-word;"> </span></td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"heading_block block-3" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"width: 100%;" align=3D"center">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; font-family: =
'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 22px; =
font-weight: bold; letter-spacing: normal; line-height: 1.3; text-align: =
left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 29px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">Loans =
made simple</span></h2>
</td>
</tr>
</table>
<table class=3D"paragraph_block block-4" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 16px; padding-bottom: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 22px;">
<p style=3D"margin: 0;">To help you understand how much a loan would =
cost, here's our representative example that shows how much a Creation =
Loan of £5,000 would cost at least 51% of customers.</p>
</div>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"row row-5" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
vertical-align: top; border-radius: 15px; border: 3px solid #154734;" =
width=3D"100%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"width: 100%; padding-top: 30px; padding-left: =
30px; padding-right: 30px;" align=3D"center">
<h2 style=3D"margin: 0; color: #154734; direction: ltr; font-family: =
'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 22px; =
font-weight: bold; letter-spacing: normal; line-height: 1.3; text-align: =
left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 29px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: =
break-word;">Representative example<sup style=3D"line-height: 0; =
font-size: 60%;">4</sup></span></h2>
</td>
</tr>
</table>
<table class=3D"paragraph_block block-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 16px; padding-bottom: 30px; =
padding-left: 30px; padding-right: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 22px;">
<p style=3D"margin: 0;">If you take a loan of <span =
style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-weight: bold;">=C2=A35,000</span> over <span =
style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-weight: bold;">60</span> months at a representative APR =
of <span style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-weight: bold;">16.4% APR</span> with an annual =
fixed rate of <span style=3D"font-family: 'Open Sans', 'Helvetica Neue', =
Helvetica, Arial, sans-serif; font-weight: bold;">16.4%</span>, your =
monthly repayments would be <span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: =
bold;">=C2=A3119.69</span>. The total amount you’d repay would be =
<span style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-weight: bold;">=C2=A37,181.40</span>.</p>
</div>
</td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"row row-6" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #ffffff; vertical-align: top;" width=3D"100%">
<table class=3D"divider_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 30px; padding-bottom: 30px;" =
align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; =
border-top: 1px solid #96dc00;"><span style=3D"word-break: =
break-word;"> </span></td>
</tr>
</table>
</td>
</tr>
</table>
<table class=3D"heading_block block-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"width: 100%;" align=3D"center">
<h2 style=3D"margin: 0; color: #337f37; direction: ltr; font-family: =
'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 22px; =
font-weight: bold; letter-spacing: normal; line-height: 1.3; text-align: =
left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 29px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: break-word;">The =
important bits</span></h2>
</td>
</tr>
</table>
<table class=3D"list_block block-3" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word; color: #154734; =
direction: ltr; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-size: 16px; font-weight: 400; letter-spacing: =
0px; line-height: 1.4; text-align: left; mso-line-height-alt: 22px;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 16px;">
<div style=3D"margin-left: -20px;">
<ul style=3D"margin-top: 0; margin-bottom: 0; list-style-type: revert;">
<li style=3D"margin: 0 0 15px 0;">We're inviting you to apply for a loan =
based on information we hold on you at the date this email is sent.</li>
<li style=3D"margin: 0 0 15px 0;">If you apply, we'll ask you to do an =
eligibility check without affecting your credit rating, but will help us =
decide if we can offer you a loan.</li>
<li style=3D"margin: 0 0 15px 0;">If you pass our eligibility check, =
you'll be pre-approved for a loan and you'll see your personalised =
interest rate.</li>
<li style=3D"margin: 0 0 15px 0;">If you go ahead and complete a full =
application, we’ll do a full credit check with the credit =
reference agencies. This check may affect your credit score and we may =
still refuse an application at this stage.</li>
<li style=3D"margin: 0 0 0 0;"><span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: =
bold;">Making late or missing repayments can have an impact on your =
credit file and affect your ability to obtain credit in the future. <a =
style=3D"text-decoration: underline; color: #154734;" rel=3D"noopener" =
href=3D"https://secure.creation.co.uk/c/11nd9JzgztqmobzPUPnbwYNwDnkF" =
target=3D"_blank">For support information please click =
here</a>.</span></li>
</ul>
</div>
</td>
</tr>
</table>
<table class=3D"paragraph_block block-4" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 30px; padding-bottom: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 22px;">
<p style=3D"margin: 0;">Thanks<br><span style=3D"font-family: 'Open =
Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: =
bold;">The Creation Team</span></p>
</div>
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</td>
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</table>
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</tr>
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<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-radius: 0; border-right: 30px solid =
transparent; color: #000000; width: 640px; margin: 0 auto;" =
align=3D"center" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"640">
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<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
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0px 0px;" width=3D"100%">
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mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
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sans-serif; text-align: center;" align=3D"center">
<p style=3D"text-align: center; padding: 15px;"><a =
style=3D"text-decoration: none;" =
href=3D"https://secure.creation.co.uk/c/11ndadXqSP9lebbHcyEbbrw2d2Dp"><im=
g style=3D"max-height: 18px;" =
src=3D"https://emailsignature.trustpilot.com/newsletter/en-GB/1/4bec31690=
0006400050b3ba7/text1_dark@2x.png" border=3D"0" alt=3D"Human score" =
height=3D"18"></a> <a style=3D"text-decoration: none;" =
href=3D"https://secure.creation.co.uk/c/11ndat9w2v0PEaZCQqhG0FShZShM"><im=
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src=3D"https://emailsignature.trustpilot.com/newsletter/en-GB/1/4bec31690=
0006400050b3ba7/stars@2x.png" border=3D"0" alt=3D"Trustpilot Stars" =
height=3D"20"></a> <span style=3D"display: =
inline-block;"><a style=3D"text-decoration: none;" =
href=3D"https://secure.creation.co.uk/c/11ndaIlBcaSk4aNyuhVaPUexMHW9"><im=
g style=3D"max-height: 18px;" =
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0006400050b3ba7/text2_dark@2x.png" border=3D"0" alt=3D"number of =
reviews" height=3D"18"></a> <a style=3D"text-decoration: =
none;" =
href=3D"https://secure.creation.co.uk/c/11ndaXxGlQJOuaBu89yFF8ANzxAw"><im=
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border=3D"0" alt=3D"Trustpilot Logo" height=3D"20"></a></span></p>
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<table class=3D"row row-8" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #e8f1e8; vertical-align: top; border-radius: 0px 0px =
0px 0px;" width=3D"100%">
<table class=3D"heading_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"width: 100%; padding-top: 30px; padding-left: =
30px; padding-right: 30px;" align=3D"center">
<h3 style=3D"margin: 0; color: #154734; direction: ltr; font-family: =
'Ubuntu', Tahoma, Verdana, Segoe, sans-serif; font-size: 18px; =
font-weight: bold; letter-spacing: normal; line-height: 1.3; text-align: =
left; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 23px;"><span =
class=3D"tinyMce-placeholder" style=3D"word-break: =
break-word;">Everything else you need to know</span></h3>
</td>
</tr>
</table>
<table class=3D"paragraph_block block-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 12px; padding-left: 30px; =
padding-right: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 12px; =
font-weight: bold; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 17px;">
<p style=3D"margin: 0;">To apply for a Creation Loan, you'll need =
to:</p>
</div>
</td>
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</table>
<table class=3D"list_block block-3" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word; color: #154734; =
direction: ltr; font-family: 'Open Sans', 'Helvetica Neue', Helvetica, =
Arial, sans-serif; font-size: 12px; font-weight: 400; letter-spacing: =
0px; line-height: 1.4; text-align: left; mso-line-height-alt: 17px;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 4px; padding-left: 30px; =
padding-right: 30px;">
<div style=3D"margin-left: -20px;">
<ul style=3D"margin-top: 0; margin-bottom: 0; list-style-type: revert;">
<li style=3D"margin: 0 0 4px 0;">be aged 23 to 70 when you apply</li>
<li style=3D"margin: 0 0 4px 0;">have lived in the UK for a least 3 =
years</li>
<li style=3D"margin: 0 0 4px 0;">earn at least £9,600 a year =
(after tax)</li>
<li style=3D"margin: 0 0 0 0;">provide a mobile number and email =
address</li>
</ul>
</div>
</td>
</tr>
</table>
<table class=3D"paragraph_block block-4" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 12px; padding-left: 30px; =
padding-right: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 12px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 17px;">
<p style=3D"margin: 0; margin-bottom: 12px;">Our invitation doesn't =
guarantee you'll get a loan. Even if you pass our checks, we may still =
refuse an application or decide not to lend for certain purposes.</p>
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=3D"font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; =
font-weight: bold;">1. Why are you receiving this =
offer?</span><br>We’ve been able to pre-screen the information we =
hold on you as an existing customer, on the date this communication is =
sent. Which means we can invite you to apply for a personal loan.</p>
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=3D"font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; =
font-weight: bold;">2. What does pre-approval =
mean?</span><br>Pre-approval is when we check if you're likely to be =
accepted for a Creation Loan. It means we're confident we can lend to =
you if your details are correct and you pass our final checks.</p>
<p style=3D"margin: 0; margin-bottom: 12px;">We'll contact credit =
reference agencies during this step, but it won't affect your credit =
score or be seen by other lenders. If you go ahead and apply, we'll then =
do a full credit search, which may leave a record on your credit =
file.</p>
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=3D"font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; =
font-weight: bold;">3. When will you get the =
money?</span><br>We’ll release your funds the next working day =
from the date of e-sign, subject to final checks.</p>
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=3D"font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; =
font-weight: bold;">4. What does ‘Representative APR’ =
mean?</span><br>To help you understand how much a loan would cost, our =
Representative APR shows how much a Creation Loan of £5,000 would =
cost at least 51% of customers.</p>
<p style=3D"margin: 0; margin-bottom: 12px;">Your own rate may be =
different, depending on your personal details and how much you borrow. =
The highest rate we may charge you is 29.9% APR.</p>
<p style=3D"margin: 0; margin-bottom: 12px;"><span style=3D"font-family: =
'Open Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; =
font-weight: bold;">How do we decide your interest rate?</span><br>If =
you do an eligibility check for a loan with us, we’ll use the =
details from the application to give you a personalised rate based on =
information such as your credit score, personal circumstances and loan =
amount. We decide the interest rate we can offer you, which may differ =
from the representative APR. There are no arrangement fees.</p>
<p style=3D"margin: 0;"><span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: bold;">Can =
I repay my loan early?</span><br>Yes, you can pay off your loan at any =
time. If you'd like to do this, we'll give you an early settlement =
figure that's valid for 28 days. This includes the interest for the =
month you make your request, plus up to 28 days' extra interest. By =
paying off your loan early, you'll pay less interest overall than if you =
kept making your regular payments for the full term.</p>
</div>
</td>
</tr>
</table>
<table class=3D"divider_block block-5" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 20px; padding-bottom: 20px; =
padding-left: 30px; padding-right: 30px;" align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; =
border-top: 1px solid #154734;"><span style=3D"word-break: =
break-word;"> </span></td>
</tr>
</table>
</td>
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</td>
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</td>
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mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #e8f1e8; vertical-align: top; border-radius: 0px 0px =
0px 0px;" width=3D"16.666666666666668%">
<table class=3D"icons_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; text-align: left; line-height: 0;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"vertical-align: middle; color: #154734; =
font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-size: 16px; font-weight: 400; padding-left: 30px;" =
align=3D"left">
<table class=3D"icons-outer" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; display: inline-table;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0">
<tr>
<td style=3D"vertical-align: middle; text-align: center; padding: =
0px;"><img class=3D"icon" style=3D"display: block; height: auto; margin: =
0 auto; border: 0;" align=3D"center" =
src=3D"http://secure.creation.co.uk/files/amf_laser_uk/project_445/creati=
on-loans-bau-email-july-2026/creation_loans_bau_email_july_2026/images/5_=
visually_impaired_icon.png" alt=3D"Icon" width=3D"57.42056074766355" =
height=3D"auto"></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
<td class=3D"column column-2" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #e8f1e8; vertical-align: top; border-radius: 0px 0px =
0px 0px;" width=3D"83.33333333333333%">
<table class=3D"paragraph_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; word-break: break-word;" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-left: 2px; padding-right: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 16px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 22px;">
<p style=3D"margin: 0;">If you need any support to manage your account, =
for example communications in <span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: =
bold;">Braille</span> or <span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: =
bold;">Large Print</span>, <span style=3D"font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-weight: bold;"><a =
style=3D"text-decoration: underline; color: #154734;" rel=3D"noopener" =
href=3D"https://secure.creation.co.uk/c/11ndbcJLvwBiUappM1caumX3mneT" =
target=3D"_blank">you can tell us by completing a Self-Declaration form =
here</a></span>.</p>
</div>
</td>
</tr>
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</td>
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</td>
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</table>
<table class=3D"row row-10" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #c1c6c8;" align=3D"center" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td>
<table class=3D"row-content stack" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; background-color: #ffffff; border-left: 30px =
solid transparent; border-right: 30px solid transparent; color: #000000; =
width: 640px; margin: 0 auto;" align=3D"center" border=3D"0" =
cellspacing=3D"0" cellpadding=3D"0" width=3D"640">
<tr>
<td class=3D"column column-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt; font-weight: 400; text-align: left; =
background-color: #e8f1e8; vertical-align: top; border-radius: 0px 0px =
15px 15px;" width=3D"100%">
<table class=3D"divider_block block-1" style=3D"mso-table-lspace: 0pt; =
mso-table-rspace: 0pt;" border=3D"0" cellspacing=3D"0" cellpadding=3D"0" =
width=3D"100%">
<tr>
<td class=3D"pad" style=3D"padding-top: 20px; padding-bottom: 20px; =
padding-left: 30px; padding-right: 30px;" align=3D"center">
<table style=3D"mso-table-lspace: 0pt; mso-table-rspace: 0pt;" =
border=3D"0" cellspacing=3D"0" cellpadding=3D"0" width=3D"100%">
<tr>
<td class=3D"divider_inner" style=3D"font-size: 1px; line-height: 1px; =
border-top: 1px solid #154734;"><span style=3D"word-break: =
break-word;"> </span></td>
</tr>
</table>
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padding-right: 30px;">
<div style=3D"color: #154734; direction: ltr; font-family: 'Open Sans', =
'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 12px; =
font-weight: 400; letter-spacing: 0px; line-height: 1.4; text-align: =
left; mso-line-height-alt: 17px;">
<p style=3D"margin: 0; margin-bottom: 12px;">Creation Consumer Finance =
Limited is authorised and regulated by the Financial Conduct Authority, =
Registration Number 311518.</p>
<p style=3D"margin: 0; margin-bottom: 12px;">Creation Consumer Finance =
Limited, Registered Office: 6th floor, Wellington Buildings, 2 – 4 =
Wellington Street, Belfast, BT1 6HT. Registered in Northern Ireland =
NI032565.</p>
<p style=3D"margin: 0; margin-bottom: 12px;">If you don’t wish to =
receive marketing emails in the future, you can <span =
style=3D"font-family: 'Open Sans', 'Helvetica Neue', Helvetica, Arial, =
sans-serif; font-weight: bold;"><a style=3D"text-decoration: underline; =
color: #154734;" rel=3D"noopener" =
href=3D"https://secure.creation.co.uk/u/17olkzziCoxHR28B9a3fuj8" =
target=3D"_blank">unsubscribe here</a></span>.</p>
<p style=3D"margin: 0;">© Creation 2026</p>
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