Own Art

Spread the Cost of Your Art Collection with 0% Finance*

View all our Own Art eligible artworks

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

Spread the cost of the art you love, over 10 or 20 months. Loans are provided by Hitachi Capital Finance.

Own Art at Enter Gallery


What is Own Art?

Own Art is a fantastic scheme backed by Art Council England, with 0% finance loans provided by Hitachi Capital Finance. Our UK customers could spread the cost of their art, interest free*, over several months, whilst enjoying their art (subject to acceptance). Thousands of our lovely customers have already taken  advantage the scheme.

Your Own Art options

If the total value of your Own Art eligible artworks at checkout is between £100 and £2500, you'll be offered the option to apply for a 0% finance loan through Hitachi Capital Finance and spread the cost over 10 months.

If the total cost of your Own Art eligible artworks at checkout is between £2,500 and £25,000, you'll be offered the option to apply for a loan, with a choice to spread the cost over 10 or 20 months, with 0% finance.

To apply, simply complete the application process at checkout or call us and we'll arrange your finance application for you (you might also like to discover our hand crafted framing options too):

+44(0)1273 724829

(Lines open Monday to Saturday 9.30am to 6pm and Sunday 11am to 5pm, UK time).

Our Own Art loans are provided by Hitachi Capital PaybyFinance. If you choose to apply online, your checkout will include a secure visit to them, to complete your application.

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 £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 for Own Art. To apply, you'll see an option to choose PaybyFinance at our checkout, selecting this will take you to Hitachi Capital PaybyFinance, where you can securely complete your application as part our checkout process. The whole process takes just a few minutes.

Alternatively, call us on +44(0)1273 724829 and we'll arrange your application for you.

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.

Homemakers can apply for the scheme under their own names. Please just be aware that the employment details of your partner or spouse will be required to process the application.

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).

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! As long as the pieces you have your eye on 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

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: +44(0)1273 724829 to make payment, so we can complete and despatch your order.

Is it easy to apply?

Yes and it takes just a few 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 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 Hitachi Capital 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 +44(0)1273 724829 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, to add hand-crafted framing to your Own Art eligible items, simply choose from the framing options displayed with your item and complete your Own Art application at the checkout.

Delivery is also included, if you order through our website, delivery is FREE for UK customers, including framed artwork.

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)1273 724829. 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 be emailed to you. You have two options for how to sign:

  • Signing electronically – The quickest option is to e-sign the PDF document. Read it carefully and click all of the relevant sections stating that you agree to the agreement’s terms. Once you have agreed, Archer Publications Limited trading as Enter Gallery will be notified, and then you can just sit back, relax and wait for your art to arrive.
  • Print and sign - If you prefer to print out the document and sign by hand, that’s absolutely fine. Once printed, read the document carefully, and sign. Instructions for completing the document and the address to post it back to are found on the finance agreement’s covering letter. Please note that products will not be allocated to your order, or shipped, until your completed and signed form is received and processed by Hitachi Personal Finance.

Is Own Art also available in your Brighton gallery?

Yes, you can also make the most of the Own Art scheme when buying artworks in person in the gallery. Just chat to your Art Advisor when making the purchase and they will walk you through the application.

Can I apply for Own Art more than once?

Absolutely. There are no limits to the number of times you can apply for Own Art. We advise you to leave at least four months between applications to allow your payment record to be established with our finance provider, Hitachi Capital Consumer 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 Hitachi Capital Consumer Finance, who are the providers of our Own Art. 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 Hitachi Capital Finance to notify you that it has been declined. Both Hitachi Capital 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 Hitachi Capital 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 the Own Art scheme in 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)1273 724829 (7 days a week) or message us through Live Chat at the bottom right-hand corner of this page.


Please also see this additional help provided by Hitachi Personal Finance

How do I choose to PaybyFinance?

Just select the finance option on the checkout page or let one of our Art Advisors know if you're buying in our gallery.

Who is eligible to apply for online finance?

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 12 months or more.

Unfortunately, we are unable to offer online finance to residents of Eire. Homemakers aren't excluded from applying under their own names; however the employment details of your spouse / partner will be required in order to process your application.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Archer Publications Limited trading as Enter Gallery you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

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 either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Archer Publications Limited trading as Enter Gallery will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi 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, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi 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)1273 724829 (7 days a week) or message us at the bottom right-hand corner of this page. 

View all our Own Art eligible artworks


*0% APR Representative. Credit is provided by Hitachi Personal Finance, a division of Hitachi Capital Consumer Finance (UK) PLC; Authorised and Regulated by the Financial Conduct Authority.