Applicants must be UK residents, aged between 23 and 69, have a minimum annual income of £10,000 and either be a homeowner or hold a debit, cheque guarantee or credit card.

Credit facilities are provided by The Co-operative Bank (Registration No. 990937), P.O. Box 101, 1 Balloon Street, Manchester M60 4EP and are subject to status. The bank reserves the right to decline any application or offer a loan at a rate that differs from those advertised. Calls may be monitored or recorded for security and training purposes.

Stroud and Swindon Building Society acts as an Introducer to The Co-operative Bank which is authorised and regulated by the Financial Services Authority (No. 121885), subscribes to the Banking Code, is a member of the Financial Ombudsman Service and is licensed by the Office of Fair Trading (No. 006110).