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How do I apply?

Interior image of Westside Contemporary.

Interior image, Westside Contemporary.


Rokeby Gallery, London

Interior image, Rokeby Gallery, London.


Applying for an Own Art loan is easy!

The first stage is the difficult bit - deciding what to buy. There are hundreds of Own Art member galleries across the country to choose from, many of which specialise in different types of work from prints and photography to ceramics and jewellery. Use our gallery finder to search for the kind of work you are most interested in.

Are you eligible?

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.

Ask for Own Art

Once you've found the piece of work that you want to buy, just let the gallery know that you'd like to apply for an Own Art loan to finance your purchase.

Don't forget that if you are applying for the loan in person you will need to show 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.

It only takes 10 minutes!

Staff in the gallery will take you through the loan application process, which normally takes about 10 minutes. Once you've given all the information they need, you'll get an instant decision.

A deposit is not necessary (although galleries may as for one at their discretion, should you wish to take the work home with you immediately).

Live with the art you love

Once the paperwork has been signed, the process is almost complete.

The gallery will let you know when you can collect the work (usually no more than 14 days after your purchase) - and then its yours!

You will receive a welcome letter from our 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.

I bought my first piece of art using Own Art at the weekend.  So enamoured was I with the process, that I bought my second work earlier today! I'm now the owner of two glorious screenprints.  I think Own Art rocks.......a really really good idea.
Bernard, Scotland
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Your step by step guide to using Own Art