PAY BY FINANCE / OWN ART
Spread the Cost of Your Art Collection with 0% Finance
At Rabley Gallery we make art accessible to everyone. As a member of the Own Art Scheme (backed by Arts Council England), there is a 0% finance option for all our UK customers, for many/all of the artworks we sell. Spread the cost of the art you love over 10 months.
Loans are provided by Novuna Personal Finance, a trading style of Mitsubishi HC Capital UK.
Choose an ‘Own Art’ payment plan
If the total value of your Own Art eligible artworks at checkout is over £100, you can apply for a 0% finance loan through Novuna Personal Finance and spread the cost over 10 months (terms apply).
To take advantage of this option please contact us by email [email protected] or telephone +44 (0)7967 545136. Currently Own Art purchases are not available at online checkout.
View all Own Art eligible artworks
Frequent Asked Questions
How do I choose to PaybyFinance?
Please contact us to purchase art using this option, either by email [email protected] or by telephone +44 (0)7967 545136.
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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.
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.
Unfortunately, we are unable to offer online finance to residents of Eire.
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When do my repayments start?
Your monthly repayments will begin one month after your purchase has been delivered.
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Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.
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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.
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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
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What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, County Court Judgment 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.
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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.