At Forest Gallery we believe in making art more accessible and affordable. That is why we have partnered with Own Art and DivideBuy to provide 0% interest free finance options to help spread the cost of purchasing art you love.


What is Own Art?

Own Art is a national initiative that makes buying contemporary art and craft affordable by letting you spread the cost of your purchase over 10 months with an interest-free loan. The scheme supports the UK’s creative economy by encouraging increased sales of work by living artists.


Who runs Own Art?

Own Art is a Creative United programme run in partnership with Arts Council England, the Arts Council of Northern Ireland and Creative Scotland. Creative United is a registered trademark of Creative Sector Services CIC, a Community Interest Company, in partnership with our credit provider Novuna Consumer Finance.


How is it 0% interest and how do I apply?

Government backed funding from Arts Council England, Creative Scotland and the Arts Council of Northern Ireland subsidises the cost of financing to support living artists and encourage sales. We guide you through the application process. To begin, please place your order choosing Own Art at checkout and we will get in touch.


What is the minimum and maximum amount I can buy?

Own Art is available from £100 – £2,500. Credit can go towards the payment of an artwork(s) that costs over £2,500, provided you can cover the remaining balance in cash or with a credit or debit card. The scheme is available for purchases of original works of art and prints up to editions of 150.


Can I include the cost of delivery and/or framing in the loan?

If Forest Gallery is arranging additional services for you such as framing or delivery you can choose to include these charges as part of your Own Art loan.


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.


Do I need to pay a deposit?

No deposit is necessary when applying for Own Art, although you can pay a deposit if you wish.


When will I need to make my first payment?

Your first payment will normally be debited from your account around 4 weeks after the date on which you signed the agreement.  You will receive an email confirming the date.


Can I change the date of my monthly direct debit?

Yes. This is possible if you contact Novuna Consumer Finance directly, once your first payment has gone through.


Are there any charges if I decide to pay off the loan early?

No. Own Art loans do not have early redemption charges. If you would like to pay off the loan, you can contact Novuna Consumer Finance to do so at any time.


Who are DivideBuy?

DivideBuy is an Interest Free credit provider whose unique algorithm takes away the need for an underwriter or a third-party lender. Because of this, DivideBuy have an acceptance rate of 96% (subject to age and status).


How does DivideBuy work?

You can choose instalment options from 2 to 10 months depending on the value of your order. Your application will take just 60 seconds to complete and DivideBuy will provide an immediate decision allowing you to complete your purchase.

Once approved, you electronically sign your agreement and we will process your order – it’s that simple!


What are the requirements for DivideBuy credit?

You must be aged between 18 and 75 and be a permanent UK resident. You must also have a valid debit or credit card, a UK mobile number and a valid email address.


Will a credit check be performed?

Yes. As the agreement is one of credit, a credit check is performed to assess your eligibility and affordability. DivideBuy uses a third-party credit reference agency in combination with their own unique algorithm.

DivideBuy do have a soft-search function which can assess your eligibility without leaving a mark on your credit file. You can call into ourselves, or DivideBuy’s customer service team on 0800 085 0885, to find out more.


When would I need to pay?

A minimum of your first instalment would be payable upon completion of your application. Dependant on credit factors, you may be required to pay a deposit or assign a guarantor along with a first instalment.

Any deposit is taken from the overall cost of your order and will reduce the monthly instalment figure.


Are there any charges or fees?

Not a penny. There are no setup charges, no cancellation fees and you pay 0% APR. DivideBuy do reserve the right to add late payment fees to your account in the event of any missed payments but this is all explained in your Credit Agreement before you compete the checkout process.


Can I pay my agreement early?

Yes! Full or part payments can be made at any time through your DivideBuy account, over the phone or via their live chat facility. You can choose to pay a specific instalment amount, an amount to reduce the overall balance or pay the entire agreement. There are no additional charges for an early repayment.


What if I need to change my delivery address from my billing address?

DivideBuy will need to approve any deliveries to addresses other than the application/billing address. Without their approval, we will not be able to ship to a different address as fraud prevention measures apply.

To have goods delivered to another address, once you have placed your order and paid a first instalment, you need to contact DivideBuy directly who will then notify ourselves of any changes.


How can I contact DivideBuy?

Telephone: 0800 085 0885
Or via their live chat facility with can be found at

Rematch Credit Ltd t/a DivideBuy credit agreements are not regulated by the Financial Conduct Authority and do not fall under the jurisdiction of the Financial Ombudsman Service. Credit is available to permanent UK residents aged 18+, subject to status, any missed payments may affect your ability to obtain credit from DivideBuy and other lenders. Please spend responsibly.


What if I am refused finance?

As an alternative to spreading the cost with interest free credit we offer an artwork reserve scheme. A direct debit is set up with our provider GoCardless and you can split the cost of your purchase for up to 12 months. Please note that your artwork will only be delivered upon payment of the final instalment.