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Licence - Credit

Consumer Credit Licences are issued by the Office of Fair Trading.

However, application forms are available from the Neighbourhood Standards' unit of the Council on 01709 823151.

Further information on licences can be obtained from This is an external link iconOffice of Fair Trading Website.

We provide information and advice on the Consumer Credit Act in relation to:


  • Credit business;
  • Credit agreements;
  • Credit licenses;
  • Credit advertisements;
  • Pawn broking.

Licenses are required if you wish to:

  • Sell goods and services on credit;
  • Hire or lease goods (for more than 3 months);
  • Offer hire purchase;
  • Lend money to consumers;
  • Issue credit cards;
  • Arrange credit for other people;
  • Debt collect;
  • Advise people with debt problems;
  • Run a Credit Reference Agency.

Licenses are not usually required if:

  • You are only accepting credit cards issued by someone else;
  • You are lending amounts of credit or hiring goods at a cost of more than £25,000;
  • You only deal with limited companies;
  • You allow customers to pay with four or fewer instalments within a year.

For further information visit the This is an external link iconOffice of Fair Trading Website.

Trading Standards Section
Howard Building
College Lane
Rotherham
S65 1AX

Tel: 01709 823151
Fax: 01709 823143