- 18 years or older.
- A UK resident for 3 years or more/Permanent UK resident.
- Able to make regular repayments by Direct Debit.
- In regular employment (minimum of 16 hours per week) including self-employment, or in a permanent residence with your spouse/partner who's in regular employment*.
- Have a debit card or credit card in your name and registered to your address and have a bank or building society current account.
* If you are retired and receive a pension, or registered disabled and unable to work, V12 may ask for proof of sufficient income.