Authorisation application fees: consumer credit

Find out about the non-refundable fee consumer credit firms have to pay when applying for authorisation.

We are funded by the firms we regulate through fees. We aim to cover our costs in a way that is as fair and efficient as possible, and we consult on our fees each year.

The fee that a firm wanting to offer consumer credit has to pay when it applies for authorisation depends on its ‘consumer credit income’ (PDF, 2 pages) and whether it will need limited or full permission.

The table below sets out the application fee firms have to pay when they apply to be authorised to offer consumer credit.

You can find out what the categories 'straightforward', 'moderately complex' and 'complex' mean in our revised proposals on consumer credit application fees (PDF, 7 pages) in the CP13/14 supplement.

Note: the application fees mentioned in CP13/14 supplement are out of date and you should use the information in the table below. We have also combined the category 'very complex' with 'complex'.

Limited permission application

Firms with consumer credit income up to £50,000


All other firms



Full permission application

Consumer credit income

Up to £50k

Over £50k to £100k

Over £100k to £250k

Over £250k to £1m

Over £1m







Moderately complex














Credit unions or community finance organisations


Not-for-profit debt advice body


Annual fees

Once a firm is authorised it has to pay an annual fee (or 'periodic fee') each year.

A firm with interim permission does not have to pay an annual fee for consumer credit until it becomes authorised for these activities.


Step 4: Preparing to make an application