Finance Options

We want collecting art to feel exciting, not stressful.

That is why we offer two flexible ways to spread the cost of your purchase.

Own Art is ideal for original artworks and larger purchases. You repay over 10 monthly instalments with 0% interest, with no deposit required. Framing and delivery can be included in the loan and you can apply online, by email or in the gallery.

Klarna is ideal for smaller purchases and a quick online checkout. You can pay in 3 instalments, pay in 30 days, or choose a longer term where available. Pay in 3 and Pay in 30 days carry 0% interest, and spending limits are set by Klarna at checkout. There is no deposit and framing and delivery can be included in your order total.

Own Art: Interest Free Loans

Own Art is a national scheme run by Creative United and supported by Arts Council England, Creative Scotland and the Arts Council of Northern Ireland. It lets you spread the cost of original contemporary art and craft over 10 months with 0% interest. Loans are provided by Novuna Personal Finance. Minimum spend of £250.

Pay over 10 equal monthly instalments by direct debit.
0% interest, with no hidden fees.
No deposit required, although you are welcome to pay one.
Framing and delivery arranged by us can be included in your loan.
No charge for paying off your loan early.
You can finance all or part of your purchase, and include more than one artwork in a single loan.

Who can apply
Own Art is available to UK residents aged 18 or over, subject to status. It applies to original artworks and limited edition prints. Reproduction prints are not eligible.

How it works

Choose your artwork.
Tell us you would like to use Own Art by email, phone or in the gallery.
Complete a short, secure application with Novuna. It usually takes about 10 minutes.
Receive your decision, which is often given within minutes.
Take your artwork home or arrange delivery. Your first payment is usually collected a few weeks after approval.

Klarna: Flexible Payments at Checkout

Klarna lets you pay for your purchase online in a way that suits you. It works well for smaller purchases or when you would like a quick, simple option.

Pay in 3: split your purchase into three equal payments, with the first taken when you order. No interest.
Pay in 30 days: receive your order first and pay later.

Good to know

Choose Klarna at checkout and you will receive a decision straight away.
Klarna may carry out a soft credit check, which does not affect your credit score in the same way as a full application.
Spending limits are set by Klarna and may vary between customers.
Late or missed payments may result in fees and could affect your ability to use Klarna in future.
If you return an artwork, our returns policy applies and we will let Klarna know so your payments are adjusted.

Important Information

Finance is subject to status. Terms and conditions apply. Available to UK residents aged 18 or over. Hancock Gallery acts as a credit broker and not a lender. Own Art loans are provided by Novuna Personal Finance. Klarna payments are provided by Klarna Bank AB (publ). Late or missed payments may incur fees and affect your credit file. Please read the full terms before you apply: Own Art terms | Klarna terms