If customers spread the cost of rings, watches or jewellery over more than 12 months — even at 0% — you need FCA authorisation. We prepare your complete limited permission application pack — fixed price, ready in three business days once we have your details.
Almost always, yes. Jewellery finance runs on terms the exemptions don't cover: a £3,000 engagement ring over 24 or 36 months is a regulated credit agreement even at 0% APR, and presenting that option — introducing the customer to the lender — is credit broking, a regulated activity. The national chains hold FCA permissions for exactly this reason. Offering regulated finance without authorisation is a criminal offence that can also make agreements unenforceable.
The good news: because selling jewellery is your main business and finance simply helps customers buy, you almost certainly qualify for limited permission — the simpler, cheaper route. Our jewellers guide draws the exact line (including the short interest-free plans that stay exempt); if you already know you need it, we'll prepare the pack.
Preparation is in our hands and takes days. Once filed, we handle all correspondence with the FCA on your behalf.
A short form to get started. A member of our team will then call you to discuss your requirements and the application process. We start the DBS checks the same day — the FCA will not accept an application without them.
We prepare every document the FCA expects for a jeweller's limited permission application — secondary credit broking for in-store and online finance — tailored to your business.
We submit your application through the FCA’s Connect portal and deal with the caseworker’s questions until your decision. You just review and sign the declarations.
Every document the FCA expects of a limited permission applicant, prepared for jewellers and filed through Connect on your behalf.
A jeweller offering finance typically needs limited permission for secondary credit broking — introducing customers to a lender to help them buy your pieces, in store or online. We build your pack around exactly that.
Two things sit outside it, and we'll tell you honestly before you pay a penny: lending your own money against goods — pawnbroking — needs full permission, and accepting large cash payments (€10,000 or more) triggers a separate HMRC registration, not an FCA one.
One fixed fee, paid in two parts. The FCA's own application fee is separate and is itemised on your invoice.
A short form to begin. A member of our team will call the same business day to discuss your firm's activities and the application.
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