Own Art


What is 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.

Own Art loans are supported by The Arts Council and can be used for the purchase of any kind of contemporary art or craft from paintings and limited edition prints to sculpture, ceramic and glass.

How does it work?

Own Art loans allow you to borrow from as little as £100 up to a maximum of £2,500 towards the purchase of works of art by living artists. You can choose to finance all or just part of your purchase. Multiple items can be bought with one loan and there’s no deposit necessary (although you can pay as large or small deposit as you like).

Applying for an Own Art loan is easy!

The first stage is the difficult bit – deciding what to buy. Once you’ve found the piece of work 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 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. 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 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 art work away there and then.

    Online Application

    You can even apply online. Just email and we'll will 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 Customer 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!


    *Representative 0% APR

    Subject to status. Terms and conditions apply. Applicants must be at least 18 years old. Cove Gallery is the trading name of Merlyn One Ltd, a licensed broker of Own Art Loans. Registered address: 9 Trinity Street, Weymouth, Dorset DT4 8TW.

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