Car dealerships guide

FCA requirements for car dealer websites

What independent UK car dealers offering finance should show on their website to stay on the right side of the FCA.

The short answer

If you introduce finance, show your FCA firm reference number, your status as a credit broker not a lender, any commission disclosure and representative APR examples where finance figures are promoted.

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Firm details

FCA number, registered name and address on the site.

Broker status

State clearly that you are a broker, not a lender.

Representative examples

Any finance figure needs a representative example. Check current FCA guidance.

Plan the information before choosing a layout

Start by collecting the information a first-time visitor needs to make a decision. List the essential pages, the questions people ask and the action each page should support. Use your own business details, real photographs and current policies. Separate information that rarely changes from details that need regular updates, such as fees or availability. This makes the brief clearer and reduces the risk of paying for pages nobody maintains. Ask a colleague to read the draft without explanation: if the next step is unclear, improve the wording before spending time on decorative details.

Check the stock and finance information together

Vehicle details should match the current stock record, including price, mileage, specification and availability. Explain where a buyer can arrange a viewing without implying an enquiry reserves the vehicle. If finance is promoted, have the business and its authorised provider check wording against current FCA requirements. Do not assume that a generic representative example is suitable for every advert. Check whether your stock provider permits the planned feed and what happens when it is unavailable. Keep a manual correction process for errors. Real photographs and clear disclosures help buyers assess the vehicle; neither a polished listing nor a feed connection replaces checking the underlying data.

Test the complete journey on a phone

Open the site on a small phone with no saved session and follow the journey from the first page to the final request. Check the menu, contact choices, form errors and confirmation. Make sure a sticky control or cookie notice does not cover the submit button. Test every external booking link and confirm the correct location is selected. A form is only useful if the message is saved and reaches the person responsible for replying. Keep the number of required questions proportionate and explain what happens next. Do not judge the experience only from a large desktop screen.

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