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. With over 600 pieces of original works of art to choose from by NOA artists, why not buy something you love today from as little as £10 per month?


What can I buy?


Own Art loans are available through National Open Art for the purchase of contemporary art and craft of any kind, and in any media.


That means you can choose more or less anything you want from our galleries – as long as it’s still available for sale.


There are a few restrictions though, which are useful to remember before you set your heart on something.


The first two points are not applicable to NOA artists as all entrants are living and it is a stipulation in our terms and conditions that all works must be original and not reproductions or copies.


Works of art for purchase with an Own Art loan must be by a contemporary (i.e. living) artist.


That's because we want the scheme to help support the artists of today by encouraging sales of their work to new buyers.


Works of art must be created by and attributable to the artist


That is to say, they must be original works of art and not reproductions or copies.


Own Art is available for the purchase of limited edition prints and multiples only where the artist has produced these in an edition of less than 150


This is because we want to ensure that prints sold on the scheme are of the highest quality and avoid our customers buying prints produced in editions of several hundred where the artist has had little or no involvement in the production of the image.


Own Art cannot be used for the purchase of Giclée prints except where the artist has used digital technology specifically in order to conceive and create an image in this media. Giclée prints that are reproductions of original images created in other media are excluded, even if they have been signed and numbered by the artists.


The sizes of the print editions will be displayed in the artists’ profiles in the NOA galleries.


Can't find what you want? Have you thought about commissioning an artist?


If you can't find exactly what you're looking for, or if the work you wanted to buy has been sold to someone else, you might want to consider commissioning an artist to produce something specially for you.


How much can I borrow?


Own Art loans allow you to borrow from as little as £100 up to a maximum of £2,500 for the purchase of works of art by living artists.


Although there isn’t a limit on the amount of times you can use Own Art, we suggest that you do not apply for more than one loan at the same time. Every loan application will be subject to a credit check, and your application may be declined if you have not yet already established a repayment record for an existing Own Art loan, or if the total amount of credit you have asked for is considered by the finance company to be too high in relation to your income.


£100 is the minimum that can be borrowed (this would be repaid in monthly installments of £10), but it is possible to use this to cover several lower value items with a combined value of over £100.


If you are buying something more valuable than £2,500 you can use an Own Art loan as a part payment. Learn more about these schemes here. []


All Own Art loans are completely interest free for the customer.


How do I apply?


Applying for an Own Art loan is easy!

The first stage is the difficult bit - deciding what to buy.


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 apply 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.


Ask for Own Art


Once you've found the piece of work that you want to buy, just let NOA know, by emailing [email protected],  that you'd like to apply for an Own Art loan to finance your purchase.


If you are applying for the loan in person you will need to show proof of ID – this could be in the form of just simply your driving licence or a utility bill -- along with a credit or debit card as proof of signature.


It only takes 10 minutes!


NOA 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 NOA may ask for one at their discretion, should you wish to take the work home with you immediately).


Live with the art you love


Once the agreement has been signed, the process is complete. You can take your artwork away or arrange shipment immediately! Please note, you are liable for any shipping costs more of which you can learn about here.


You will receive a welcome letter from Own Art’s 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 about four weeks after you have made your purchase. You can contact Hitachi to change the payment date to one more convenient for you.


Simple as that.


I bought my first piece of art using Own Art at the weekend. So enamored was I with the process, that I bought my second work earlier today! I'm now the owner of two glorious screen prints. I think Own Art rocks.......a really really good idea.

Bernard, Scotland


Need more?


Go to Own Art’s FAQ’s and website to learn more