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For loans over £17,000 the Creation Customer Service team will contact you via telephone to reconfirm your identity and loan purpose following your successful application. This call will occur within 48 hours of your acceptance.

With an Argos Personal Loan you can borrow between £1,000 and £20,000, just tell us how much you'd like to borrow and how long you'd like to pay it back - from 12 to 60 months. So whether it's a new car, or something special for yourself, whatever you want, we could help you get it.

Personal Loan applicants must be aged 23 or over and under 70 years old at date of application and resident in the UK. Offer is subject to status. Argos Personal Loans is a trading name of Home Retail Group Card Services Limited (HRGCS). HRGCS is authorised and regulated by the Financial Conduct Authority and acts as a credit broker and not as a lender. Credit is provided by Creation Consumer Finance Limited.

By submitting your application for an Argos Personal Loan, Creation will share your name, address and the email address that you have used in your application for an Argos Personal Loan with HRGCS (trading as Argos) to ensure that you are not remarketed for further Argos Personal Loans.  Please see Creation’s privacy policy for further details on how we may use your information.

Who are Creation?

With over 2 million loans and fixed term customers, Creation are the power behind some of the UK’s leading card, loyalty, personal loan and retail finance programmes. Working with nationally recognised partners they are committed to providing great benefits, value and service. Creation are part of global banking group BNP Paribas, one of the strongest banks in the world.

Key Benefits

Our loans are flexible, you can take them out from 12 to 60 months and for a whole range of amounts.

  • Loans from £1,000 - £20,000
  • Terms from 12 - 60 months (12 month term only applicable for loans under £15,000)
  • Quick and simple to use application form
  • You'll get an instant online decision
  • There will be no fees to set up your loan
  • Your repayments will never changeGet a Quote now

What We'll Need From You

To complete your Argos loan application we'll need:

  • Your bank sort code and account number you’d like the funds transferred to
  • Your debit / Credit Card details (to help verify your identity and protect you from fraud)
  • Your home telephone number
  • Your address details for the past 3 years
  • Your employer’s name and address
  • Details of your monthly income and rent or mortgage Get a Quote now

Key Criteria

To apply for an Argos Loan please make sure the following apply:

  • You are aged between 23 and 70 at date of application and are in paid employment or retired (not a student, homemaker or unemployed) and have a minimum income of £12,000.00 (gross) per annum
  • You do not have a history of bad credit such as missed or late payments, County Court Judgments (CCJs) or bankruptcy
  • You have been a permanent resident of the UK for at least 3 years
  • You are not making a joint application Get a Quote now


How much can I borrow?

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How long can I borrow the money for?

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What can I borrow the money for?

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What does Representative APR mean?

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How do I apply for an Argos Personal Loan?

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What information do I need to apply for an Argos Personal Loan?

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What is credit scoring and how do you use it?

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Is there a fee for arranging my loan?

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How quickly will I receive a decision on my loan application?

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How secure is my online loan application?

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What happens if I want to repay my loan early?

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Need to make a complaint?

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Why do I need to be called to reconfirm my loan purpose?

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Contact Us

Call us

0371 402 8917

Opening times:

Mon - Fri

8:30am - 8:00pm


9:00am - 6:00pm


10:00am - 4:00pm

Calls may be recorded. Calls charged at basic rate. The number provided may be included as part of any inclusive call minutes provided by your phone operator.

Write to us

Argos Personal Loans
Chadwick House
Blenheim Court
B91 2AA

Please remember to quote your Account or Quote Reference Number on all correspondence.

See Also


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