◆ For car & vehicle dealers

FCA authorisation for car dealers, done for you.

If you offer your customers finance, you need FCA authorisation. We prepare your complete limited permission application pack — built for a motor dealer — ready to submit in three working days.

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✓Limited permission specialists
✓Ready in 3 working days
✓One fixed price — £995
✓Submission guidance included
The short answer

Do car dealers need FCA authorisation?

Yes. If you arrange finance for customers, or simply introduce them to a lender, you're carrying out credit broking — a regulated activity — even though the finance house does the actual lending. It's been required since 2014, and offering finance without authorisation is a criminal offence that can also make your agreements unenforceable.

The good news: because selling vehicles is your main business and finance is secondary, you almost certainly qualify for limited permission — the simpler, cheaper route, rather than full permission. We explain the detail in our guide to FCA authorisation for car dealers. If you already know you need it, we'll prepare the pack.

How it works

Three steps to authorised

No jargon, no lengthy consultations, no hourly fees. A clear process built around how busy dealers actually work.

①
STEP ONE

Complete the questionnaire

Tell us about your dealership in around 15 minutes — what you sell, how you introduce finance, who's responsible. Plain questions, no compliance jargon.

②
STEP TWO

We prepare your pack

We prepare every document the FCA expects for a motor dealer's limited permission application — secondary credit broking and debt adjusting for part-exchanges — tailored to your business.

③
STEP THREE

Submit and get authorised

You receive the complete pack with step-by-step guidance for the FCA Connect portal. We're on hand for any caseworker follow-up questions.

What's included

Everything the FCA asks a dealer for, prepared for you

A complete limited permission application pack — the same documents a consultancy charges thousands to assemble.

  • ✓Regulatory business plan — tailored to your dealership and finance activities
  • ✓Compliance monitoring programme for your first year
  • ✓Financial promotions policy covering how you advertise finance
  • ✓Complaints handling procedure
  • ✓Vulnerable customer policy
  • ✓Anti-money laundering & financial crime policy
  • ✓Financial forecasts built from your figures
  • ✓FCA Connect application guidance — step by step

The right permissions for a dealer

A motor dealer typically needs limited permission for secondary credit broking, plus debt adjusting limited to settling vehicle finance on part-exchanges. We build your pack around exactly that.

If your activities mean you need full permission, we'll tell you honestly before you pay a penny.

Why dealers choose us

Built for dealers, priced up front

Three reasons motor dealers come to us instead of a traditional compliance consultancy.

£

One fixed price

£995, published up front. Most consultancies won't even quote without a call. No hourly fees, no surprises — and the FCA's own fee is the same wherever you go.

⚡

Ready in days, not months

Your complete pack is prepared within three working days of your questionnaire, so you can get your application in front of the FCA quickly.

▣

Own your authorisation

We prepare a direct application, so you hold your own FCA permission and choose your own lenders — not tied to one principal's panel or paying an ongoing network fee.

Simple, fixed pricing

One price. No hourly fees. No surprises.

You pay one fixed fee for your complete dealer pack. The only other cost is the FCA's own application fee, which you pay directly to them — the same fee wherever you go.

✓Around half the cost of a typical compliance consultancy
Car Dealer Licence Pack
£995our fee
▤Our document pack£995
▥FCA application fee*£550
Total to get authorised£1,545
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*The FCA application fee is paid directly to the FCA when you submit. It is the same fee whichever provider you use.

Common questions

Car dealer FCA questions, answered

Yes. Introducing customers to a lender is "credit broking," which is a regulated activity in its own right — you don't have to lend your own money to need authorisation. Only strictly cash sales, with no finance discussed, arranged or referred, fall outside the rules.
For most dealers, yes. Because selling vehicles is your main business and finance is secondary, the FCA treats you as a "supplier" who can apply for limited permission. You'd only need full permission if finance became a main activity in its own right, or you lent your own money so customers repaid you directly.
It's a valid, lighter-touch route — but you operate under a principal's permissions, are usually tied to their lender panel, and typically pay an ongoing fee. Direct limited permission gives you your own authorisation and freedom to choose lenders. Many dealers start as an AR and move to direct authorisation as they grow. We explain the trade-offs in our car dealer guide.
We prepare your document pack within three working days of receiving your completed questionnaire. After you submit, six months is the FCA's statutory limit for deciding a complete application, though limited permission applications are often decided more quickly.
No — and we're upfront about that. Our £995 fee covers your complete document pack. The FCA charges its own separate application fee (currently around £550 for limited permission credit broking), which you pay directly to the FCA when you submit. That fee is the same wherever you go.
No one can honestly guarantee FCA approval — the decision rests entirely with the FCA. What we can do is give you a complete, accurate and well-evidenced application that reflects what the FCA expects to see, which gives your application the strongest possible chance.

Ready to get your dealership authorised?

Fixed price. No hidden fees. Your complete FCA limited permission application pack, prepared for a motor dealer.

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