Own Art

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 loan, subsidised by the Arts Council.

Works of art for purchase with an Own Art loan must be by a contemporary (i.e. living) artist and, if you can’t find exactly what you’re looking for, or if the work you wanted to buy has been sold to someone else, the loan can be used to commission an artist to produce something specially for you. Own Art loans allow you to borrow from as little as £100 up to a maximum of £25,000 and then repaid in up to 10 interest free monthly instalments.

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) or 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.

It only takes 10 minutes!

We will take you through the loan application process, and this can be done over the phone, taking about 10 minutes. Once the paperwork has been signed, the process is almost complete and we will let you know when you can expect to receive your purchase.  You will receive a welcome letter from Own Art’s finance partner Hitachi Capital Consumer finance, and following this the 10 monthly payments will be collected from your account via direct debit. This usually starts a few weeks after you have made your purchase.

Simple as that.