Bernstein and Lee and, independently, Meyer and Schiff have recently published calculations of the neutrino electromagnetic form factor, obtaining results differing by a finite constant term. This difference can be traced back to how the W-meson contribution is regularized: The Bernstein-Lee calculation is gauge-invariant at every step, while Meyer and Schiff simply impose over-all neutrino charge neutrality at the end. The ξ-limiting process in addition sums a class of electromagnetic radiative corrections and assigns the value lnα−1 to the logarithmically divergent term in the W-meson contribution. Since the finite term, which is almost comparable to lnα−1 in magnitude, is not fixed by the ξ-limiting method, the neutrino form factor has actually been determined only to order of magnitude by this method. For this reason and because the W mass is large (or infinite), we have determined the largest part of the neutrino form factor from the charged lepton contribution using a guage-invariant direct-interaction theory. This is obtained, without further calculation, from the photon vacuum polarization. The νe charge radius thus measures the same integral that appears in the perturbation-theory calculation of Z3e12, the charge renormalization in quantum electrodynamics.