FCA Consumer Credit Permissions for Dealers
Helping car, motorcycle, caravan, motorhome, van and truck dealers secure FCA Consumer Credit permissions quickly, compliantly, and without unnecessary delays.
If your dealership offers vehicle finance, introduces customers to lenders, or earns commission from credit products, you may require FCA authorisation. ComplianceTrak provides specialist support tailored to the UK motor trade.
FCA Consumer Credit Permissions for Car, Motorcycle, Van & Truck Dealers
Who Needs FCA Consumer Credit Authorisation?
You typically need FCA Consumer Credit permissions if your business:
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Introduces customers to finance providers
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Brokers vehicle finance agreements
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Offers PCP, HP or conditional sale
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Receives commission from finance activity
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Promotes finance options in-store or online
This applies to independent dealers, franchise groups, multi-site operations and specialist retailers across all vehicle sectors.
Regulated activities may include:
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Credit broking
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Financial promotions
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Pre-contract explanations
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Finance quotation presentation
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Commission-based introductions
ComplianceTrak helps identify exactly what permissions your business requires.
Get FCA Consumer Credit Authorisation With Dealer-Specific Support
Why FCA Applications Fail Without Expert Guidance
Many dealer FCA applications are delayed or rejected due to:
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Missing or poor-quality compliance documentation
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Weak governance frameworks
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Lack of conduct risk controls
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Inconsistent financial disclosures
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Inadequate oversight procedures
Our specialist automotive compliance team ensures your application meets FCA expectations first time.
Automotive Compliance Specialists
Unlike generic compliance firms, ComplianceTrak is built around motor trade operations. Our FCA Consumer Credit service is designed specifically for dealership workflows, showroom environments and finance sales processes.
Our FCA Consumer Credit Permission Service Includes
Eligibility & Permission Scoping
We review your business model and finance activity to determine:
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Which permissions are required
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Whether limited or full permissions apply
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How your structure impacts FCA approval
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What operational controls are needed
FCA Application Preparation & Submission Support
We guide you through every stage of the FCA Connect process, including:
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Application planning and readiness reviews
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Key individual approval requirements
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Governance positioning
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Supporting evidence collation
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Submission preparation and review
Dealer-Focused Compliance Documentation
We help prepare FCA-ready documentation tailored to dealership operations:
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Compliance policies and procedures
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Conduct risk frameworks
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Complaints handling processes
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Financial promotion controls
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Record keeping and monitoring frameworks
Post-Authorisation Compliance Support
After approval, we help you remain compliant through:
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Regulatory monitoring frameworks
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Training and competence support
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Compliance software integration
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Evidence and reporting tools
Why Choose ComplianceTrak for FCA Consumer Credit Permissions?
Designed for UK Vehicle Dealers
Our FCA services are built around motor trade regulatory requirements and real dealership finance operations.
Faster, Clearer FCA Application Process
Our structured approach reduces common application errors, delays and FCA follow-up queries.
Long-Term Compliance Partnership
We support your business beyond authorisation — helping you maintain regulatory standards and demonstrate good customer outcomes.
How Our FCA Consumer Credit Application Process Works
Step 1 — Discovery & Eligibility Review
We assess your dealership structure, finance activity and regulatory scope.
Step 2 — Compliance Framework Preparation
We build the documentation and controls required by the FCA.
Step 3 — FCA Application Support
We guide your submission and ensure alignment with FCA expectations.
Step 4 — Post-Approval Compliance Enablement
We help embed compliance processes into daily dealership operations.
FCA Consumer Credit Permissions FAQs
These frequently asked questions cover the application process for consumer credit permissions.
How long does FCA authorisation take?
Timescales vary depending on application quality and complexity. The FCA has up to 6 months to decide whether to approve a limited permissions application, although it usually takes less time. Well-prepared submissions reduce delays.
Do I need FCA permission if I only introduce finance?
In most cases yes — particularly where commission or referral income is involved.
What documents are required for FCA Consumer Credit permissions?
Typical requirements include business plans, compliance manuals, governance frameworks, risk assessments and financial information.
Does Finance Tracker integrate with DMS and showroom systems?
Yes. Finance Tracker is designed to work alongside dealer management systems, CRM platforms and showroom workflows to minimise duplication and ensure seamless operation.
Can ComplianceTrak support ongoing FCA compliance?
Yes. We provide long-term compliance support, including training, auditing and regulatory reporting tools.
How much does the FCA charge for a limited permission application?
The application fee is £550 for a Limited Permissions FCA application.
Will I need to pay any ongoing fees to the FCA?
Yes. You will need to pay an annual fee, which will be based on the income that you will make from introducing credit and conducting FCA regulated activities. You can gain an idea of how much you will need to pay by using the FCA’s Fee calculator.
Speak to an FCA Consumer Credit Permissions Specialist
Call our FCA Authorisation Team
01246 488180
OR
Complete the form below, and one of our specialists will contact you within one business day.