To apply for finance, you must: Be over the age of 18 Have been a permanent UK resident for at least 3 years. Be either in regular, permanent employment working a minimum of 16 hours per week (including students), retired from regular employment, not working through a disability, or self-employed. Homemakers aren't excluded from applying under their own names; however, V12 Finance will require the employment details of your spouse in order to process your application.