Finance with V12 and pay monthly for your art.

With our finance options you can spread the cost of an artwork over a period of 6, 9, 10 or 12 months, provided through our external partner V12 Finance.

Who can apply for finance?

You must:

  • Spend over £250
  • Be at least 18 years of age
  • Have been a UK resident for 3 years or more
  • Be able to make repayments by Direct Debit
  • Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.


Representative Example

Please use the finance calculator below, using the painting value and optional deposit, along with your preferred payment period, to give you representative examples of repayment. Just remember, as we offer 0% finance, all totals will simply equal the original value of the painting.

How to apply

If you would like to apply for finance, please contact us using the initial expression of interest form below. We will then send you an email link to your application form with V12, which you can complete at your own convenience. Alternatively, please call us on 01271 862844 (Monday-Friday, 9am-5pm) & we can talk through the process with you.

City Sparks by Paul Kenton, UK contemporary cityscape artist, an original painting from his New York Collection

During the online application you will need to provide some personal information about yourself, such as, your date of birth, email and telephone contact details, 3 year address history, and employment/income information. You should be given an instant response as to whether your application for finance is successful.

Some applications may need to be referred to V12 Retail Finance for a more in depth look, before a decision is made.

If your application is accepted an identity check will be carried out against your credit or debit card. You have the right to withdraw from the agreement, without giving any reason, within 14 days from the day after the day on which the agreement is signed by you.

Please note that for commissioned work, we require a non-refundable deposit.

What if my application is declined?

There are many reasons why your application may not be accepted, including mistyped details or not meeting the lenders requirements. If your application is turned down, you can discuss and appeal this with V12 Retail Finance directly by phone on 02920468916 or by email to It is advised that you obtain an up-to-date copy of your credit report, before contacting them.


We are only able to deliver your purchase to the address provided on the credit agreement. We will aim to deliver within 5 working days, however, for bespoke commissioned pieces we will provide an order-specific time scale for processing and shipping, based on the requirements of the individual commission.

Who are V12 Retail Finance?

Paul Kenton Ltd have partnered with V12 Retail Finance Limited (“V12”) to offer you a flexible and affordable option to pay on finance. V12 is the UK’s only specialist provider of Retail Point of Sale Credit, providing finance options for more than 20 years through its industry leading online paperless processing system. If your application is successful, you will enter into a Credit Agreement with Secure Trust Bank Plc (V12’s parent company) which will be administered by V12. V12 is authorised and regulated by the Financial Conduct Authority. Secure Trust Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 204550.

Paul Kenton Ltd acts as credit broker and not the lender and only offers finance from V12 Retail Finance. V12 Retail Finance is a trading name of Secure Trust Bank PLC who acts as the lender.

Credit is subject to status. Terms and conditions apply.

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