Offer Finance Without FCA Authorisation
You can operate compliantly by becoming an Introducer Appointed Representative (IAR) of AU Finance.
We manage the FCA compliance, lender access, and finance processing.
You stay focused on selling vehicles.
What Is an Introducer Appointed Representative (IAR)?
An Introducer Appointed Representative (IAR) is a business that introduces customers to an FCA‑authorised firm but does not provide financial advice or arrange finance.
Becoming an IAR allows a motor dealer to introduce customers for regulated finance without holding their own FCA authorisation.
As an IAR of AU Finance:
You introduce customers for finance only
AU Finance acts as the FCA‑authorised principal
All regulated finance activity is carried out under AU Finance’s permissions
This is one of the most straightforward and compliant ways for independent car dealers to offer finance to their customers.
Built for dealers.
Why Dealers Choose AU Finance as Their IAR Principal
Established. Trusted. FCA‑Authorised.
Auto Union Finance Ltd (AU Finance) has supported UK motor dealers for over 30 years. We are authorised and regulated by the Financial Conduct Authority and act as principal for our IAR network.
Built for Dealers.
We remove the complexity that often stops dealers offering finance:
No need to apply for your own FCA authorisation
No direct lender accreditations to manage
Designed to Increase Conversions (Responsibly)
We focus on:
Keeping customers on your website
Reducing application friction
Managing lenders and processing professionally
Supporting fair customer outcomes at every stage
All finance is subject to lender criteria, affordability checks, and approval.
Finance Options Available to Your Customers
Through AU Finance, your customers can access a wide range of motor finance products, including:
Hire Purchase (HP)
Personal Contract Purchase (PCP)
Personal Loans
Lease Purchase (LP)
We work with a broad panel of reputable UK lenders to support a wide range of customer circumstances.
All finance is subject to lender criteria, affordability checks, and approval. Credit decisions are made by lenders.
Book a no obligation discovery call
How the Process Works
1. Customer Applies on Your Website
A finance calculator sits directly on the vechicle listing.
No redirects. No third‑party websites.
2. AU Finance Handles the Regulated Work
Once we have a decision our team reviews, processes, and manages the application directly with the customer.
3. You Invoice – We Progress the Deal
Your dedicated account manager requests your invoice.
You stay informed, without being exposed to regulated risk.
Book a no obligation discovery call.
Book a callTechnology That Supports Dealers
This means:
Simple application handling
Clear updates
Reduced back‑and‑forth
Secure document handling for customers
The focus is practical outcomes: fewer delays and smoother completions.
Book a no obligation discovery call
Direct Costs vs AU Finance IAR Scheme:
See the Difference in Your Bottom Line
Direct Authorisation
£2,300 – £4,500
+ Ongoing Fees
- FCA Periodic Fee (CC.1) – £600 – £1,200
- FSCS Levy – £300–£600
- FOS Levy – £150–£300
- Other Levies – £250–£400
- Compliance Support – £1,000–£2,000
AU IAR Dealer
£0.00
We Cover Everything
- FCA Fees & Levies – Included
- FSCS Levy – Included
- FOS Levy – Included
- Other Levies – Included
- Compliance Support – Included
Register your interest! It will only take a minute
What’s Included When You Join the AU Finance IAR Scheme
High‑Performing Dealer Website
Eligible dealers can receive:
A professionally built dealer website
SEO‑optimised structure
Finance tools integrated from day one
No external finance pages. No duplicated forms.
Customer Self‑Service Portal
Customers can:
Upload documents securely
Track application progress
Reduce follow‑up calls and delays
No redirects to third‑party portals. One consistent customer journey.
Introduction Fee
For each application successfully introduced by you that completes and pays out, AU Finance may pay an introduction fee.
Introduction fee structures are bespoke and will be agreed in advance with your dedicated account manager.you have no influence over APRs.
What Finance Options are available?
HP & PCP for Prime and Non Prime
Negative Equity solutions
PCP on vehicles up to 8 years old
Provisional Licence
Self-Employed Customers
And more …
Important
Introducer Appointed Representatives (IAR) must not provide financial advice, recommend finance products, or influence lender decisions. All regulated activity is carried out by AU Finance.
All finance is subject to lender criteria, affordability checks, and approval. Credit decisions are made by lenders. We are a credit broker and not a lender.
What is an Introducer Appointed Representative (IAR) for Car Dealers? An Introducer Appointed Representative (IAR) allows a car dealer to introduce customers for motor finance without holding their own FCA authorisation.
As an IAR of AU Finance, the dealer introduces customers only. AU Finance, as the FCA‑authorised principal, is responsible for: Regulated finance activity Lender relationships Compliance oversight Finance processing and completion This model enables car dealers to offer finance compliantly while avoiding the cost, complexity, and regulatory responsibility of direct FCA authorisation. How does the AU Finance IAR model work?
The dealer introduces the customer to AU Finance AU Finance handles all regulated finance activity
Finance is subject to lender criteria, affordability checks, and approval Successful applications that complete and pay out may attract an agreed introduction fee Terms are agreed in advance under a formal introducer agreement.
Who should consider becoming an IAR? The IAR model is commonly used by: Independent car dealers Dealers without FCA authorisation Dealers who want to offer finance compliantly Dealers looking to reduce regulatory risk
It is particularly suitable where the dealer’s role is limited to introducing customers, not advising or arranging finance. Is an IAR the same as FCA authorisation? No. An IAR does not hold FCA authorisation. The authorised firm (AU Finance) acts as the principal and accepts responsibility for regulated activities carried out under the introducer arrangement. Key FCA clarification An Introducer Appointed Representative: May introduce customers May distribute approved financial promotions. Must not give financial advice Must not recommend products Must not negotiate or arrange finance This separation helps protect both dealers and customers.