PaybyFinance

What is Own Art?

Own Art makes buying art easy and affordable by letting you spread the cost of your purchase over 10 months with an interest free (0% APR) loan. Own Art loans can be used for the purchase of any kind of contemporary art or craft from paintings and limited edition prints to sculpture, ceramic and glass.

How does it work?

Own Art loans allow you to borrow from as little as £100 up to a maximum of £2,500 towards the purchase of works of art by living artists. You can choose to finance all or just part of your purchase. Multiple items can be bought with one loan and there’s no deposit necessary (although you can pay as large or small a deposit as you like).

Own Art is supported by the English Arts Council who fund the interest through the National Lottery.

Your interest free loan is administered by Hitachi Capital Consumer Finance and processed through their PaybyFinance platform.

Applying for an Own Art loan is easy!

There are two ways that you can apply for an interest free Own Art loan once you have decided what you would like to buy.

  • Online

Simply click on the finance calculator button on the product page or during checkout, decide whether or not you would like to pay a deposit and if so how much by using the Choose Deposit slider and click on the PaybyFinance black button at the bottom of the page.

You will be taken to the application form which only takes a few minutes to complete. Once you have provided all of the relevant information needed for Hitachi Capital to complete their credit check you'll get an instant decision. Once your application is approved you just need to e-sign the agreement by simply clicking the contract page. We will receive confirmation from Own Art that your application has been approved and we will send your art work to you immediately.

  • In the Gallery

Just let us know that you’d like to apply for an Own Art loan to finance your purchase. All you will need is proof of ID - this could be in the form of a utility bill or just simply your driving licence, along with a credit or debit card as proof of signature. 

We’ll take you through the loan application process, which normally takes about 10 minutes. Once you have given us all the information we need, you’ll get an instant decision. Once your application is approved you will need you to sign the agreement and you can take your art work away there and then.

Own Art loan criteria

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 meet the above criteria, then you may still apply provided that your partner is happy for their employment details to be included on your application form.

You will receive a welcome email from Own Art's finance partner Hitachi Capital and following this your 10 monthly payments will be collected from your account by direct debit. This usually starts about four weeks after you’ve made your purchase.

*Representative 0% APR

Subject to status. Terms and conditions apply. Applicants must be at least 18 years old. Park Gallery is the trading name of Joseph James (Cheltenham) Limited, a licensed broker of Own Art loans. Registered address: Midway House, Merrick Way Technology Park, Staverton, Cheltenham GL51 6TQ.

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