Whether you are investing in fine art or have simply fell in love with a particular painting you can now spread the cost.

If you want to spend a minimum of £835, and are happy to pay an up-front deposit of at least 10%, you can apply for financing through our partner Divido, at 0% APR and with repayments spread over 12 months. The finance amount (after deposit) must be between £750 and £25,000.

Our online application process is really simple. It takes around five minutes to complete, with a decision often being made about 30 seconds after completion. If an application decision needs to be referred to the team of underwriters, a decision will usually be made within 24 hours, but generally a decision will be made within 30 minutes.

Here's a quick guide to everything you’ll need to know.

How do I choose to pay by interest free credit?
Just select the finance option on the checkout page and follow the steps on screen.

When will my repayments start?
You will pay a deposit up front, and your monthly repayments will begin two weeks after your items have been delivered.

Are there any arrangement fees or hidden extras for credit?
No. There are no arrangement fees or hidden extras.

Once my application is approved, what happens next?
Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement The Wyecliffe Galleries LLP and Divido will be notified and you need do nothing more.

If you decline my application, what is the reason?
In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based a combination of the following:

• Your credit score
• Any adverse credit reference agency information
• You are considered to be financially overcommitted
• You are aged under 18
• Your existing account performance with other lenders

What type of information do credit reference agencies hold about me?
Some of the information is public information, for example electoral roll, bankruptcies and County Court Judgments. Other lenders may also file information about accounts you hold with them, and 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.

How do I obtain a copy of this information?
You should send a cheque for £2.00 made payable to the relevant company, together with details of all addresses at which you have lived over the last 6 years:

• Consumer Help Desk Experian Limited PO Box 8000 Nottingham NG1 5GX
• Equifax Ltd., Credit File Advice Centre. PO Box 1140. Bradford, BD1 5US
• Consumer Services, Callcredit Limited, PO Box 491, LEEDS, LS3 1WZ

The above listed agencies will provide details of information relating via these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.