Offer finance to your customers
without FCA authorisation
Join our FCA-authorised network and give your customers the payment flexibility they expect. We handle the compliance. You focus on growing your business.
Free to apply · No obligation · Takes around 10 minutes
The problem
Your customers want finance.FCA authorisation takes months.
67%
of shoppers spend more when finance is available at checkout
Most UK shoppers now expect to spread the cost. Retailers who offer it see bigger baskets and more repeat business. Retailers who don't lose the sale.
Offering consumer finance is a regulated activity. Getting your own FCA authorisation can take months, cost thousands, and lands you with ongoing compliance work most businesses aren't set up to handle.
So the sale goes to a competitor who already offers finance. Every time.
The solution
Clarity is your route to market
We hold the licence
Clarity is an FCA-authorised Principal Firm. Join as an Appointed Representative and trade under our authorisation. No application of your own.
You focus on selling
Make finance visible at checkout. Our lending partners handle every credit decision. That's the whole job.
You get paid fast
Once a customer accepts their agreement, you're paid in full within 24 hours. No chasing invoices.
Two ways to join
Most retailers only need the first option. We'll confirm which fits during your application.
Introducer Appointed Representative
You make customers aware finance is available and send them to the lender's application. The lender makes the credit decision. This is the fastest route to market, and it's what most retailers choose.
Appointed Representative
A more hands-on role. You advise on finance options and arrange credit agreements directly, backed by our training and compliance oversight.
Why most retailers choose to be an IAR
Faster setup
IAR onboarding is simpler and quicker than the full AR route. Less documentation, fewer compliance requirements, and a shorter path to going live.
Lower compliance burden
Your obligations are straightforward: use materials we've approved, cooperate with our compliance checks, and keep accurate records. We handle the rest.
You focus on selling
Your expertise is your products and your customers. IAR status lets you offer finance without needing to understand the detail of consumer credit regulation.
Built for ecommerce
The IAR model fits neatly into an existing checkout. Customers apply through the lender directly, and you get paid with no added operational overhead.
Choose your path
Three ways to work with Clarity
Join as an IAR
Best for most online and in-store retailers
Become an Introducer Appointed Representative under Clarity's regulatory umbrella. Make finance visible to customers and point them to the lender's application. We provide the compliance framework, lender access and ongoing support.
Apply as an IARJoin as an AR
Best for businesses wanting a more active role
Our Appointed Representative model suits businesses that want to advise on finance options and arrange credit agreements directly. We provide training, compliance monitoring and ongoing oversight.
Apply as an ARGet your own FCA licence
Best for businesses that don't want to trade under ours
Want to be directly authorised by the FCA instead of joining our network? Our consultancy service guides you through the whole application, from your regulatory business plan to FCA scrutiny.
Ask about FCA authorisationHow it works
From application to first sale
- 01
Apply online
Tell us about your business in our online application. It takes around 10 minutes, and there’s no obligation.
- 02
We review your application
Our team checks your details and confirms the right route for your business. Usually within a couple of business days.
- 03
Go live with finance
Add finance options to your checkout, in-store or online, with our support to get everything set up correctly.
- 04
Get paid fast
Once a customer accepts their agreement, you’re typically paid in full within 24 hours.
Built for your business
Every sector, one network
Whatever you sell, if your customers want to spread the cost, Clarity can put finance in front of them.
Home Improvement & Trades
Windows, kitchens, extensions. Help customers say yes to bigger jobs.
See how it worksSolar & Renewable Energy
Solar, heat pumps, battery storage. Finance the switch to green energy.
See how it worksFurniture & Appliances
Sofas, white goods, beds. Make essential purchases easier to say yes to.
See how it worksHealth, Beauty & Wellness
Dental, cosmetic, fitness equipment. Spread the cost of feeling better.
See how it worksGeneral & Ecommerce Retail
Any online or in-store retailer looking to add finance at checkout.
See how it worksBike, Leisure & Sports
Bikes, e-bikes, gym kit, outdoor gear. Finance for the purchases people save up for.
See how it worksVeterinary & Pet Care
Surgery, dental, ongoing treatment. Help pet owners say yes to essential care.
See how it worksMotoring & Vehicle Care
MOT repairs, servicing, tyres. Keep customers on the road without the upfront hit.
See how it worksDon't see your sector listed? We work with businesses across almost every industry. Apply anyway.
What your customers can access
Three flexible ways to pay
Loans typically run from £1,000 to £50,000, across three standard categories. Lenders handle every credit decision and customer query directly.
Interest-Free
The most popular option. Customers spread the cost over several weeks or months, with nothing added on top.
Deferred Payment
Customers take their purchase now and pay in full later, on a date that suits them. Good for planned, time-sensitive spending.
Fixed-Rate Loans
Longer-term agreements from 12 months up to 10 years, suited to larger purchases where customers want predictable monthly payments.
Transparency
Qualifying & fees
Options to suit every business
Wondering if your business qualifies?
We work with established, trading businesses across almost every sector. You don't need to already be regulated by the FCA. Exact criteria depend on your sector and the products you'd like to offer.
The quickest way to find out is to apply. It takes about 10 minutes and there's no obligation. Not sure yet? Get in touch and we'll talk it through first.
What does it actually cost?
There's no upfront cost to apply or to join our network.
Once you're offering finance, a small subsidy fee applies per agreement. It's tailored to the product your customer chooses. Interest-free options typically cost more than fixed-rate loans, reflecting the cost to the lender.
We'll walk you through exact costs for your business during your application, so you know what to expect before you go live.
Common questions
Before you apply
Do I need to be FCA authorised to offer finance to my customers?+
No. Clarity is an FCA-authorised Principal Firm. Join our network as an Introducer Appointed Representative (IAR) or Appointed Representative (AR) and you operate under our permissions instead of applying for your own. It's the standard, FCA-recognised route most retailers use.
What is the difference between an IAR and an AR?+
An IAR simply introduces customers to finance options. You make them aware finance is available, point them to the application, and the lender handles the credit decision. An AR operates under broader permissions and can advise on and arrange credit agreements directly. Most retailers only need IAR status. We'll help you work out which fits during your application.
How long does it take to start offering finance?+
Once you submit your application, our team reviews your business details and gets back to you. Most straightforward applications are reviewed within a couple of business days. We'll always tell you exactly where things stand.
What does it cost to join Clarity?+
Nothing upfront. There's no cost to apply or join our network. Once you're offering finance, a small subsidy fee applies per agreement, tailored to the product your customer chooses. We'll talk you through exact costs during your application, so there are no surprises.
Ready to start offering finance?
Apply online in around 10 minutes. No obligation, no upfront cost, and a real person reviews every application.
Prefer to talk first? Call 02072 775805 or email info@clarity-uk.com