Own Art and Our Other Interest Free Finance
Spread the Cost of Your Art Collection with 0% Finance*
View all our artworks with interest free finance
At Enter Gallery we love art and believe it should be affordable and accessible to everyone. We therefore offer our UK customers the opportunity to buy art with interest free finance on all artworks at our website, valued between £250 and £2,500.
Simply choose the art you love and complete your finance application at our checkout via a secure visit to our partners at Novuna Personal Finance.
Your order is then scheduled for despatch following the completion of your signed finance agreement. Receive your art quickly and spread the cost.
All our finance options are provided by Novuna Personal Finance and are subject to acceptance.
Own Art at Enter Gallery
Enter Gallery ia a leading member of the Own Art Scheme (backed by Arts Council England) offering a 0% finance option to our UK customers, for many of the artworks we sell. Our Art Advisors are on-hand to provide full details of the scheme and will explain your options.
Spread the cost of the art you love, over 10 months.
What is Own Art?
Own Art is a fantastic scheme backed by Art Council England, with 0% finance loans provided by Novuna Personal Finance. Our UK customers could spread the cost of their art, interest free*, over 10 months, whilst enjoying their art (subject to acceptance). Thousands of our lovely customers have already taken advantage the scheme.
Your Finance Options at Enter Gallery
If the total value of your Own Art eligible artworks at checkout is between £100 and £2,500, you'll be offered the option to apply for a 0% finance loan through Novuna Personal Finance and spread the cost over 10 months.
If the total cost of your Own Art eligible artworks at checkout is over £2,500, you'll will need to pay the difference by card, as the maximum Own Art amount is £2,500.
Our gallery Art Advisors will provide all the help you need, to complete your application by phone. You might also like to discuss our hand crafted framing options too:
+44(0)1252 797 219
(Lines open Monday to Friday 9.00 to 17.30, UK time).
Our Own Art loan is provided by Novuna Personal Finance.
Frequent Own Art Questions
Which artworks are eligible for an Own Art loan?
View all our Own Art eligible artworks
Typically, artworks eligible for the Own Art scheme are:
- Valued between £100 to £2,500
- By a living artist, and are;
- Originals or in editions of 150 or less.
Who is eligible for the scheme?
To be eligible for the Own Art scheme.
- 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.
I live outside the UK, is finance available to me?
Unfortunately no, the Own Art Scheme and other finance are only available to UK residents over 18 years of age (subject to acceptance).
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.
Can I buy multiple artworks at once with Own Art?
You certainly can! Simply add your artworks to your cart and follow our simple instructions at the checkout.
Is it easy to apply?
Yes and it takes just a few minutes.
Completing your finance application at our website is easy. Your cart will contain further instructions to help you and in the checkout you simply choose ‘Novuna Personal Finance PaybyFinance’ as your payment option and click the 'Pay Now', your checkout will then include a secure visit to Novuna Personal Finance, 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 +44(0)1252 797 219 to complete your application.
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 as a deposit, if you wish.
Can I include framing or delivery as part of Own Art?
Yes, framing and delivery can be included with your Own Art loan and all our art finance loans.
Please note: To protect against fraudulent applications, we are only able to deliver goods to the home address of the applicant.
If you would like to discuss other framing options, simply call us on +44(0)1252 797 219. We can then provide a quote for framing and delivery and take you through the Own Art process, including these items.
How do I sign my finance agreement?
Once your loan is approved, your finance agreement will appear on the screen for you to sign. Read it carefully, and click all of the relevant sections to confirm that you agree to the terms. Then, click on the two “Click Here to Sign” buttons to e-sign your agreement. Once you’ve signed, Enter Gallery will be notified, and you can simply sit back, relax, and wait for your art to arrive.
Can I apply for Own Art more than once?
Absolutely. There are no limits to the number of times you can apply for finance. We advise you to leave at least four months between applications to allow your payment record to be established with our finance provider, Novuna Personal Finance.
What happens after I apply?
Once your application has been processed, your order will be placed, and your art will soon be winging its way to you. Visit our delivery page to learn more about our despatch times.
When is my first instalment payment made?
The first instalment of your loan payment is usually paid by direct debit, 4 weeks after you are accepted for the loan.
Can I change the date of my direct debit?
Yes, this is possible by contacting Novuna Personal Finance, who are the providers of our loans. They will supply contact details with the confirmation of your loan.
Can I pay my loan off early?
Yes and there are no early redemption charges, if you choose to do so.
What happens if my loan is unsuccessful?
If your application is unsuccessful, you will receive an email from Novuna Personal Finance to notify you that it has been declined. Both Novuna Personal Finance and Enter Gallery will be unable to provide any further explanation as to why your application was declined.
Please see the additional help provided by Novuna Personal Finance below, for more details.
However, you can still own the art you love by creating a new order at our website for your artwork and instead paying by bank card, Paypal or one of our other payment options.
Can I reapply for Own Art if I was initially unsuccessful?
Of course! We understand that circumstances change, so even if your initial application was unsuccessful, you are still able to apply for another loan in the future. We recommend leaving at least six months between applications.
If I have any further questions about the scheme, who can help?
If you’d like to know more, simply call us: +44(0)1252 797 219
Please also see this additional help provided by Novuna Personal Finance:
How do I choose to Pay by Finance?
Just select the finance option on the checkout page.
Your questions answered:
Here's some of the most commonly asked questions regarding online finance.
Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the options to e-sign your finance agreement.
Once you have agreed to the terms of the finance agreement CCA Galleries Limited trading as Enter Gallery will be notified and you need do nothing more.
Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Novuna Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.
Will you credit score me and if so, what does this mean?
Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.
This information allows consistent decisions to be provided, ensuring all applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.
If you decline my application, what is the reason?
In addition to credit scoring, Novuna also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Novuna is unable to provide you with a main reason for declining your application, it is usually based on one, or a combination of the following:
Your credit score (please note that every finance company will score you differently)
Adverse credit reference agency information
You are considered to be over-committed
You are aged under 18
Your existing account performance with other lenders
What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgement and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.
How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:
Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ
The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.
If my application is not successful, can I re-apply?
Yes. We acknowledge that circumstances change and just because a previous application has been refused, it does not mean that a further request will automatically be turned down. We do suggest however, that you leave at least 6 months between applications.
Can I request delivery to an address other than my home?
In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.
If you’d like to know more, simply call us: +44(0)1252 797 219
View all our Finance eligible artworks
*0% APR Representative. Credit is provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK PLC, authorised and regulated by the Financial Conduct Authority.
