It is important that you read through your credit agreement, as it contains important information. In your agreement you will see the date your payments will be debited, the amount to be taken and the final amount payable. You need to sign and return the credit agreement within 21 days from when you receive it. You can do this by using the pre-paid envelope included in your letter from Creation Finance. You can also e-sign your credit agreement by logging into your Creation Finance account. Please note, if you do not sign and return this within 21 days, Creation Finance will apply a fee of £10. Once the credit agreement is signed and returned or e-signed, this will be refunded back.