Own Art

 

 

 

From the Gallery to your home, with 0% finance

At Francis Iles Galleries 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 of the artworks we sell. Spread the cost of the art you love over 10 months. 

Loans are provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC.

Your Own Art options

If the total value of your Own Art eligible artworks at checkout is over £100, up to a value of £2,500, you'll be offered the option to apply for a 0% finance loan through Hitachi Capital Finance and spread the cost over 10 months. For a larger interest free loan amount please contact us at the gallery on 01634 843222 or email gallery@francis-iles.com

To apply, simply complete the finance option at checkout.

The loans are provided by Hitachi Personal Finance, a trading style of Hitachi Capital (UK) PLC. If you choose to apply online, your checkout will include a secure visit to their system to complete your application.

 

Frequent Asked Questions

How do I choose to PaybyFinance?

Add your chosen work/works of art to the cart. Select the finance option at the bottom of the Cart page and click the PaybyFinance button, you will be directed to the checkout and finance application pages or if you are in the gallery simply let one of our team know you wish to use the Own Art scheme.

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.

When do my repayments start?

Your monthly repayments will begin one month after your purchase has been delivered.

Are there any arrangement fees or hidden extras for credit?

No. There are no arrangement fees or hidden extras.

Applying for online finance

Applying for online finance couldn't be easier or more convenient. When you buy online from Francis Iles Galleries you have the choice of applying for finance by adding your purchase to the shopping basket, selecting the finance option, and completing an online application form. Just follow the simple instructions, entering your personal details as required and we'll do the rest.

The whole process only takes a few minutes and is simple and secure. Once your finance application is approved, you will then be advised of how to sign the finance agreement and you will also receive an email confirming these details.

Please read the agreement carefully checking that all the details are correct, then either electronically sign the agreement or print and sign the agreement in both boxes. Post the signed agreement to the address shown on the covering letter of the agreement.

Following receipt of your finance agreement and a few additional checks, your goods will be dispatched.

Once my application is approved, what happens next?

Within minutes of your application being approved, you will be presented with the options to either e-sign or print and return your finance agreement.

If you choose to e-sign your agreement, a PDF of your agreement will be displayed on screen. You should read the agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the finance agreement Francis Iles Galleries will be notified and you need do nothing more.

If you choose to print and return your agreement you should print the agreement, read it carefully and then sign the document following the instructions on the covering letter. This signed document should then be posted to the address shown on the covering letter of the finance agreement.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by Hitachi Personal Finance. Shipment of your goods will follow soon after your agreement has been returned and received.

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.

If you decline my application, what is the reason?

In addition to credit scoring, Hitachi also takes into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though Hitachi 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