Shop with the Own Art Scheme

Shop with the Own Art Scheme

Polka Dot Gallery is proud to be a member of the Arts Council’s Own Art scheme. This makes buying contemporary jewellery easy and affordable by letting you spread the cost of your purchase over 10 months with an interest free loan.

 How it works

Own Art loans allow you to borrow from as little as £100 up to a maximum of £2,000 for the purchase of works of art by living artists.  (Of course, here at Polka Dot Gallery the works of art available are of the miniature, wearable variety). We simply ask for a 20% deposit on the item(s) you wish to purchase, and the balance can be paid for with an Own Art loan. This loan is then paid back in 10 monthly interest free installments.

You can take out one loan to pay for multiple items. And if you are buying something more valuable than £2,000 you can use an Own Art loan as a part payment.

Each loan application is 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 finance company considers that the total amount of credit you are asking for is too high in relation to your income.

If you would like to purchase a piece of jewellery using an Own Art loan, please bring with you:

  • Proof of current address (drivers licence or utility bill)
  • Proof of address (credit or debit card)

Please note that the form can take around 20 minutes to complete.

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 be approved 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 have a full time job, then you may still apply provided that your partner is happy for their employment details to be included on your application form.

Find out more about Own Art here.

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