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HOW THE

Scheme Works

McCully & Crane is pleased to offer our clients the Own Art scheme, allowing you to spread the cost of buying contemporary art by living artists.

Own Art is supported by Arts Council England, and allows buyers to borrow from £100 up to £25,000 over ten months interest-free (representative 0% APR).

 

The scheme can be used to purchase one or multiple works of art and lets you split the cost of your purchase into ten more affordable, monthly payments.

We offer the Own Art scheme as a purchase method on all contemporary work by our roster of artists.

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Apply Now

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Purchasing a work of art through the Own Art scheme could not be easier. Fill in the form below and we will start the process.

When your Own Art application is approved, the work will be yours and shipped to you at your earliest convenience.

Equal installments will be taken from your bank account for ten months via Direct Debit. However, should you wish to pay off the remaining sum sooner, or have any other queries, you will be supplied with the credit provider's contact details.

Frequently Asked Questions

Do I have to live in England, Scotland or Northern Ireland to be eligible for an Own Art loan?

Own Art is open to all UK residents over the age of 18, subject to status.

Can I apply for an Own Art loan if I am a student or unemployed?

No - although you may apply for the scheme as a ‘house person’ if you are living with a partner who is employed. In this instance, you must quote your partner’s employment details. Other exceptions include student nurses or part-time students (provided you have at least 16 hours per week of regular paid employment).

What sort of work can I buy with an Own Art loan?

Works of contemporary art and craft of many different kinds fall under the scheme, including sculpture, painting, photography, textiles, limited edition prints, glass, furniture, ceramics and multi media works – provided they’re created by a living artist.

Can I use Own Art to buy a piece of work that costs more than £25,000?

Yes - the loan can go towards the payment for artwork that costs over £25,000 provided you can cover the balance with a credit/debit card or in cash. It is not possible to apply for more than one loan to cover the cost of a single artwork.

Are shipping costs part of the Own Art loan?

Yes, the delivery cost will be added to your Own Art loan. Shipping costs can be calculated at check-out if you'd like to know the amount before starting your application.

What information or documents are required to process an Own Art application?

We are required to see proof of address and proof of signature; these usually constitute a utility bill and a driver’s license or passport. We will also require your bank details, and need to ask basic questions about your employment and residential status, which are required by the credit provider to process the necessary checks for the loan application.

Can I use the scheme more than once?

Yes, there is no limit to the number of times that you can use the scheme. However, you will normally have to allow at least 4 months between loan applications in order to establish a repayment record with the finance company.

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