Let Customers Spread the Cost of a Significant Purchase
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.
- Independent high-street jewellers
- Bridal and engagement ring specialists
- Luxury watch dealers
- Bespoke and commission workshops
Do Jewellers Need FCA Authorisation?
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.
What tends to trip businesses up
High-value, emotional purchases
Engagement and anniversary purchases are made quickly and under emotional pressure, so the finance conversation needs to be clear, fair and not misleading.
Interest-free offers in windows and adverts
Window displays, price tickets and social media posts advertising monthly payments are financial promotions and are regulated accordingly.
Deposits, layaway and commissions
Staged payments for bespoke pieces, deposits and traditional layaway arrangements can amount to regulated credit depending on how they are structured.
A typical finance journey
- 01Customer requests a quotation
- 02Finance option is introduced
- 03Customer receives finance information
- 04Customer applies through the lender or finance provider
- 05Finance provider assesses the application
- 06Work or purchase proceeds if finance is agreed
Focus areas for your application
Buy the package that fits your business
This is a fixed-price shop, not an hourly consultancy. Choose the package that matches where you are, pay securely online, and we start work straight away.
Permission Analysis
A written PERG review of your activities and whether permission is required.
£420 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's includedApplication Review
An independent review of an application you have already prepared.
£780 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's includedApplication Preparation
The complete limited permission application, prepared and ready to submit.
£1,380 total payable to us
One-off fee. Revisions are not included and are charged separately.
Buy nowWhat's included- Secure card payment
- VAT shown at checkout
- No hourly fees
- Work starts on payment
Check first. Then choose and buy your package.
Answer a few questions about your business, see which package fits, and buy it online. Work begins as soon as payment is received.
- 01
Check
Answer a few short questions about your business and how you offer finance. Free, no obligation.
- 02
Choose your package
Pick Package 1 preparation, Package 2 review or Package 3 permission analysis, whichever matches where you are.
- 03
Buy
Pay securely online. One fixed price, one clear scope, no hourly billing.
- 04
Receive your pack
We prepare your submission-ready application pack within five working days and guide you through FCA Connect.
Limited Permission Application Pack
- Professional service fee
- £1,150 + VAT
- FCA application fee
- £560
- Preparation time
- 5 working days
- Eligibility checked before you pay
- Fixed price, no hourly fees
- Documents tailored to your business
The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
Complete application support
Application Preparation
Choose this if you need the whole application and document pack prepared for you.
A complete application-preparation service for eligible businesses seeking limited consumer credit permission.
- Initial business and activity assessment
- Permission-scope review
- Application information checklist
- Regulatory business plan
- Customer journey documentation
- Tailored core policies and procedures
- Consumer Duty considerations
- Governance and responsibility information
- Financial promotions considerations
- Complaints-handling procedure
- Vulnerable customer considerations
- Conflicts-of-interest procedure
- Commission and remuneration disclosures
- FCA Connect application guidance
- Pre-submission quality review
- Support with reasonable FCA questions
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
Buy Package 1 View Full Service DetailsApplication Review
Choose this if you have already written your application and want it checked.
For businesses that have already prepared their application and supporting documentation and would like an independent professional review before submission.
- Review of the completed application
- Review of the regulatory business plan
- Review of submitted policies and procedures
- Identification of missing information
- Identification of inconsistencies
- Review of the regulatory permissions
- Written recommendations
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
Buy Package 2 View Review DetailsPermission Analysis
Choose this if you are not yet sure whether you need FCA permission at all.
A written PERG-based analysis of your activities, telling you whether FCA consumer credit permission is required and, if so, which permissions are relevant.
- Review of your business activities
- Review of your customer journey
- PERG-based analysis of the regulated activities involved
- Consideration of relevant exclusions and exemptions
- Whether limited permission is likely to apply
- Written conclusions and recommended next steps
* The FCA application fee is paid directly to the FCA and is not part of the total above. The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
One-off fee. This is a single, one-time purchase covering the scope listed above. Revisions are not included; any additional revisions or extra work are chargeable separately and quoted before we start.
If you go on to buy Package 1, this is the natural first step, it confirms the permissions your application should request.
Buy Package 3 View Analysis DetailsNot sure what the FCA will ask for? See every required document and the full step-by-step application guide.
View the application processCommon questions
Not sure which permission you need?
Answer a few short questions about your business, choose your package and we will take it from there.