Engagement rings, watches and bespoke commissions are often bought with finance. If your shop introduces customers to a finance provider, or offers instalments in-house, FCA consumer credit permission may be required.
Jewellers that introduce customers to a finance provider, or let customers pay for a piece in instalments, may be carrying on regulated consumer credit activity.
Whether limited permission applies depends on who provides the credit, whether any charges are applied and how the arrangement is presented in store and online.
Engagement and anniversary purchases are made quickly and under emotional pressure, so the finance conversation needs to be clear, fair and not misleading.
Window displays, price tickets and social media posts advertising monthly payments are financial promotions and are regulated accordingly.
Staged payments for bespoke pieces, deposits and traditional layaway arrangements can amount to regulated credit depending on how they are structured.
Customer requests a quotation
Finance option is introduced
Customer receives finance information
Customer applies through the lender or finance provider
Finance provider assesses the application
Work or purchase proceeds if finance is agreed
Choose the level of FCA application support your business needs, with clear fixed fees and no hourly charges. Select your package and pay securely online to get started.
A written assessment of whether your activities require FCA authorisation and which permission may apply.
£420 total including VAT
An independent review of an application you have already prepared.
£780 total including VAT
The complete limited permission application, prepared and ready to submit.
£1,380 total including VAT
Answer a few questions about your business and how you offer finance. Free and without obligation.
02
Select the preparation, review or permission-analysis service that meets your requirements.
Pay securely online with a clear fixed fee and no hourly billing.
04
We deliver the application pack, independent review or written permission analysis included in your selected package.
The FCA application fee is separate from our professional fee and is paid directly to the FCA. The applicable fee will be confirmed before submission.
£ 350
+ VAT
A written PERG-based analysis of your activities, telling you whether FCA consumer credit permission is required and, if so, which permissions are relevant.
Our fee
£230
FCA application fee *
Total payable to us
£ 650
+ VAT
For businesses that have already prepared their application and supporting documentation and would like an independent professional review before submission.
Our fee
£230
FCA application fee *
Total payable to us
£ 1,150
+ VAT
A complete application-preparation service for eligible businesses seeking limited consumer credit permission.
Our fee
£230
FCA application fee *
Total payable to us
*The FCA application fee is separate from our professional fee and payable directly to the FCA. It may change and will be confirmed before submission. Our fee is a one-off payment covering the scope above. Revisions and additional work are charged separately and quoted in advance.
Not sure what the FCA will ask for? See every required document and the full step-by-step application guide.
Not automatically. It depends on the activities carried on, the customer journey and the finance arrangements. Some business models fall within regulated consumer credit activity, others may fall within exemptions.
Answer a few short questions about your business, choose your package and we will take it from there.
