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RE: Zero interest loan? Easy! When you are buying art...
Just visited their website and found this: "Art Money is available from $1,000 to $30,000." So, basically, one can buy something not so expensive and even that in loan - that basically makes art available for everyone.
Cool! Maybe they've changed it since last time I checked. That's true, it's pretty awesome as an opportunity to buy quality works instead of going for some cheaper reproductions ..