Own Art

Want to buy with Own Art? Start the application process by selecting Reserve and Purchase with OwnArt when you choose a product from our website..

Own Art makes buying art easy and affordable by letting you spread the cost of your purchase over 10 months with an interest-free* loan. Own Art loans can be used for the purchase of any kind of contemporary art or craft from paintings and drawings to sculpture and limited editions. Why not start your collection today from as little as £10 per month?

How much can I borrow?

Own Art loans allow you to borrow from as little as £100 up to £2,500 towards the purchase of works of art by living artists. For works over £2,500 you can pay a deposit for the difference. You can choose to finance all or just part of your purchase. You cannot apply for multiple Own Art loans to cover a single purchase, although multiple items can be bought with one loan. There’s no deposit necessary (although you can pay as large or small deposit as you like).

How do I apply?

Once you’ve found the piece of work that you want to buy, simply select reserve and purchase with Own Art. We will then contact you to collect the information required to complete your application. Own Art is available to all UK residents over the age of 18, subject to status. This means that you must be able to meet the following criteria in order to be approved for a loan:

• Over the age of 18
• A permanent UK resident
• Working at least 16 hours a week (employed or self-employed)
• A retired person in receipt of a pension

If you are not working but are married to or living with a partner who does have a full-time job, then you may still apply provided that your partner is happy for their employment details to be included on your application form.

Own Art finance partner Hitachi Capital Consumer finance will send you a welcome letter and the 10 monthly payments will be collected by direct debit from your account starting a few weeks after you’ve made your purchase.

Simple as that!

There is no limit on the number of times you can use Own Art, but we recommend that you don’t apply for more than one loan at a time. Each loan application is subject to a credit check, and your application may be declined if you have not yet already established a repayment record for an existing Own Art loan, or if the finance company considers that the total amount of credit you are asking for is too high in relation to your income.

*Representative 0% APR

Subject to status. Terms and conditions apply. Applicants must be at least 18 years old.