0% Interest Free Credit


How do I purchase with 0% Interest Free Credit?

Simply call us on 020 8530 6900 to request the payment option 7 days a week 9.00 am - 9.00 pm (do leave a message if we can’t answer and we will call you promptly).

It’s so simple: we both agree the terms, we email you a link via Hitachi Capital and you fill out your own application from the comfort of your own computer - the process takes just 5 minutes!

When it comes to payment options, we appreciate that everyone’s circumstances are different.

This is why, as well as 6, 9 or 12-month interest free credit, our finance options offer alternative flexible funding (for more expensive items) including: 24, 36 or 48 months.


Is there an option for it at Checkout or on the Shopping Basket?

Not yet - it must be initiated via phone or email contact with us in the first instance.

We are in the process of integrating it fully with the Checkout/ Shopping Basket soon, which will make the process 100% user controlled.


Is it Zero deposit?

Yes, if you want Zero usually that’s fine.

Or if you prefer you can pay anything from as little as 10% to 50% of your total order and spread the remaining sum over a set number of easy payments.


Who is the Finance Agreement with?

We are finance partners with Hitachi Capital (UK). Their website is: https://www.hitachicapital.co.uk/



0% Interest Free Credit available on items usually £250 or more*

Spread your payments over 6, 9, 10 or 12-months - longer for more expensive items

With interest free credit it really couldn’t be simpler to enjoy Picture Perfect Gallery’s quality and service. On certain products you can use the Finance Payment Calculator to see how affordable your monthly payments could be.

We make it easy to shop for quality artworks at affordable prices with flexible payment plans offered by Hitachi Finance. To ensure a swift application process, we recommend you call us on 020 8530 6900



Spread the cost of your shopping and choose a monthly payment plan your happy with.

0% interest free with no hidden charges & optional deposit.

Your credit is quick and easy to set up.

Quick instant decision – or if your application is referred, usually you get an answer within 10 minutes


Do I have to be in the UK to use the Interest Free Credit (IFC) on my purchase?

Yes, it is available only for UK residents


Is Interest Free Credit (IFC) safe with us?

Yes, it is.

We are registered with the Financial Conduct Authority (FCA) in the UK https://www.fca.org.uk/ and we hold a licence with them & are listed on their register: https://register.fca.org.uk/

We hold both a ‘Regulated’ and ‘Authorised’ Status with the FCA.

We are registered with the Information Commissioners Officers (ICO) in the UK https://ico.org.uk/ - this means we protect your privacy and data.

We are members in good standing of the British Independent Retailers Association (BIRA) https://bira.co.uk/ formerly the British Shops & Stores Association (BSSA)

We are also a well established UK business in good standing and have been trading as a family business since 1983 and are well known in the ‘high street’ art industry.

In summary - we are bound by the codes of conduct for the above organisations for your safety and peace of mind.