Own Art

Spread The Cost Of Your Art Collection With 0% Finance

At Electric Gallery we believe art should be accessible to everyone. As a member of the Own Art Scheme (backed by Arts Council England), we offer a 0% finance option to our UK customers, for most of the artworks we sell.

With Own Art you can spread the cost of the art you love, over 10 months. You can choose to finance all or just part of your purchase and multiple works can be bought with one loan. You don’t have to pay a deposit and - best of all - you can take your art home with you straight away!

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). The application process typically takes around 10 minutes.

What is Own Art?
Own Art is a fantastic scheme backed by Art Council England, with 0% finance loans provided by Novuna Personal Finance. Many of the leading art galleries in Britain are members of the scheme.

Your Own Art Options
If the total value of your Own Art eligible artworks at checkout is between £100 and £25,000, you'll be offered the option to apply for a 0% finance loan through Novuna Personal Finance and spread the cost over 10 months.

To apply, simply complete the application process at checkout or call us and we'll arrange your finance application for you. Just phone 020 8064 1887 or send an email to support@electricgallery.co.uk.

Own Art loans are provided by Novuna Personal Finance. If you choose to apply online, your checkout will include a secure visit to them, to complete your application.

Own Art is available to all permanent 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 apply for a loan:

• Working at least 16 hours a week (employed or self-employed)
• A retired person in receipt of a pension
• A person in receipt of disability allowance

If you do not meet one of these criteria but are married to or living with a partner who does, then you may still apply provided that your partner is happy for their income details to be included on your application form.

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.

Frequent Own Art Questions

1. Which artworks are eligible for an Own Art loan?
Typically, artworks eligible for the Own Art scheme are:

• Valued between £100 to £25,000,
• By a living artist, and are;
• Originals or in editions of 150 or less.

When you view an artwork on our website, it will show if it is eligible by displaying the Own Art logo on its product page. To apply, you'll see an option to choose to PaybyFinance on your Cart page – selecting this will take you to Novuna Personal PaybyFinance, where you can securely complete your application. You will then be brought back to our site automatically to complete the checkout process. The whole process takes just a few minutes.

Alternatively, call us on 020 8064 1887 between Tuesday and Saturday 10am to 5pm (UK time) and we'll arrange your application for you.

2. Who is eligible for the scheme?
To be eligible for the Own Art scheme you must be:

• Over 18 years of age
• A UK resident
• Employed, or self-employed, and working more than 16 hours per week.
• Be retired, with an income
• Have lived in the UK for the last 12 months or more.

3. I live outside the UK, is the scheme available to me?
Unfortunately no, the Own Art Scheme is only available to UK residents over 18 years of age (subject to acceptance).

4.Can I apply if I’m a Student or Unemployed?
Unfortunately no, you do need to be employed (or self-employed) and working more than 16 hours a week, to apply for an Own Art Loan.

5. Can I buy multiple artworks at once with Own Art?
Yes you can. As long as the pieces you choose are all eligible, you can purchase multiple artworks up to a combined value of £25,000.

You can also buy artworks that are not eligible for the scheme, at the same time. These artworks can simply be paid for using an alternative payment method, at our checkout.

6. If my finance application is successful, when do I receive my art?
If your application is approved, your order is processed straight away. For despatch times of our orders please see our delivery page.

If your application is declined, you can simply place another order through our website and choose an alternative payment method or you might prefer to call us: 020 8064 1887 to make payment, so we can complete and despatch your order.

7. Is it easy to apply?
Yes, it should take no longer than 10 minutes.

As you scroll through our website, you’ll spot ‘Own Art’ logos displayed beside eligible artworks. Once you decide on the perfect pieces for you, click add to cart to reach our checkout.

At checkout you'll have a few options for your loan, such as whether you would like to pay a deposit. Simply make your choice and click the 'PaybyFinance' button, your checkout will then include a secure visit to Novuna Personal PaybyFinance, to complete your application.

If your application is successful, your order will then be processed and despatched and you will very soon receive your art.

Alternatively you can call us on 020 8064 1887 or email support@electricgallery.co.uk for help to complete your application.

8. Will I need to pay a deposit?
It is not necessary to pay any deposit with Own Art, however you do have the option to pay some of the total cost as a deposit, if you wish.