Own Art: spread the cost over 10 months

Own Art can cover a group of lower value items whose combined total adds up to £100 or more. Image: Peter Layton, Lagoon Group Blown Glass

Emma Dunbar, From One To Another, £1,995 or 10 x £199.50 a month over ten months

Collect art and craft with Own Art: spread the cost of your purchase over 10 months

What is Own Art?

Own Art is a national initiative, supported by Arts Council England, to make it easy and affordable for anyone and everyone to buy contemporary art and craft.

How does it work?

Own Art loans allow you to borrow from as little as £100 up to £2,500 and pay it back over 10, completely interest-free. You can choose to finance all or just part of your purchase and multiple items can be bought with one loan. The best part is that you can take your masterpiece home with you straight away.

Applying for an Own Art loan is easy!

The first stage is the difficult bit – deciding what to buy. Once you’ve found the artwork that you want to buy, 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 residence and signature - for example, a driving license. 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 one of the following criteria in order to be approved for a loan:

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.

It only takes 10 minutes!

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 artwork away there and then.

You can even apply online. Just email us and we'll send you the link to complete your application from the comfort of your own home.

You will receive a welcome letter from Own Art’s finance partner Novuna Personal Finance 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.

It’s as simple as that!