Print this page

Own Art FAQs

If you can't find the answer you're looking for then email us with your question, and we'll get back to you as soon as we can!

What is Own Art?

Own Art is a national initiative that makes buying contemporary art and craft affordable by letting you spread the cost of your purchase over 10 months with an interest free loan.

Who runs Own Art?

Own Art is a Creative United programme run in partnership with Arts Council England, the Arts Council of Northern Ireland and Creative Scotland. Creative United is a registered trademark of Creative Sector Services CIC, a Community Interest Company, in partnership with our credit provider Hitachi Capital Consumer Finance.

What are the aims of the scheme?

The aims of the scheme are:

  • To enable more people to live with the art they love
  • To promote the presentation and sale of high quality works of art through a network of visual arts venues and galleries across England, Scotland and Northern Ireland;
  • To support contemporary artists by encouraging increased sales of work across a breadth of practice
Do I have to live in England, Scotland or Northern Ireland to be eligible for an Own Art loan?

Own Art is open to all UK residents over the age of 18, subject to status.

Why isn't the Own Art Scheme available in Wales?

Arts Council of Wales operates a similar scheme to Own Art called Collectorplan available for the purchase of works of art and craft in over 70 galleries across Wales.

Can I apply for an Own Art loan if I am a student or unemployed?

No -- although you may apply for the scheme as a ‘house person’ if you are living with a partner who is employed. In this instance you must quote your partner’s employment details. Other exceptions include student nurses or part-time students (provided you have at least 16 hours per week of regular paid employment)

If the customer pays no interest on the loan, who does?

We are able to guarantee a 0% rate for customers – and keep the scheme affordable for our member galleries – by subsidising the cost of the loan with funding from Arts Council England, Creative Scotland and the Arts Council of Northern Ireland.

Can I use Own Art to buy a piece of work directly from an artist?

No. Own Art is only available through galleries, museums and other arts organisations that have been approved by Creative United, Creative Scotland or the Arts Council of Northern Ireland as registered members of the scheme.

What sort of work can I buy with an Own Art loan?

Works of contemporary art and craft of many different kinds fall under the scheme, including sculpture, painting, photography, textiles, limited edition prints, fashion, jewellery, glass, furniture, ceramics and multi media works – provided they’re created by a living artist.

What is the minimum amount that I can borrow with an Own Art loan?

The minimum loan amount is £100. This can either be for the purchase of a single item, or for a group of items where the combined value is £100 or more.

Can I use Own Art to buy a piece of work that costs more than £2,500?

Yes - the loan can go towards the payment for an artwork that costs over £2,500 provided you can cover the balance with a credit/debit card or in cash. It is not possible to apply for more than one Own Art loan to cover the cost of a single artwork.

You might also like to take advantage of Own Art Plus. Own Art Plus enables you to spread the cost of artwork priced from £2,500 to £25,000 over 10 months, completely interest free. Own Art Plus is available at selected galleries -- you can find a full list here.

Can I include the cost of framing and/or delivery as part of the Own Art loan?

If the gallery is arranging additional services for you such as framing you can choose to include these charges as part of your Own Art loan. Please make sure you have told the gallery that you wish to do this at the start of the loan application process.

Can I use the scheme more than once?

Yes, there is no limit to the number of times that you can use the scheme. However, you will normally have to allow at least 4 months between loan applications in order to establish a repayment record with the finance company.

What happens if my loan application is unsuccessful?

An application for credit may be turned down by Hitachi for a number of reasons. If this happens you will be given a letter to explain their decision.

Do I need to pay a deposit?

No. No deposit is necessary when applying for an Own Art loan.

When will I need to make my first payment?

Your first payment will normally be debited from your account around 4 weeks after the date on which you signed the agreement.  You will receive a letter confirming the date.

Can I change the date of my monthly direct debit?

Yes. This is possible if you contact Hitachi Capital Consumer Finance directly, once your first payment has gone through.

Are there any charges if I decide to pay off the loan early?

No. Own Art loans do not have early redemption charges. If you would like to pay off the loan, you can contact Hitachi Capital Consumer Finance to do so at any time.

Download a copy of the FAQs which contain other useful information in addition to that detailed above.

Bookmark and Share

Join our 20,000 subscribers to get the latest Art Intelligence before anyone else.


By signing up to our newsletter you agree to our terms and conditions and privacy policy.


Explore Own Art

Need some help?

Where to start if you're new to buying art.

Hang-Up Pictures Launch. Courtesy of the Gallery.

Find a Gallery

Is there an Own Art gallery near you?

Ready to Buy?

Your step by step guide to using Own Art