Offer finance for garden rooms

Make premium builds affordable - without cutting corners

Offering finance on garden rooms turns a high-ticket purchase into a manageable monthly decision. Across the UK, most specialists already partner with regulated lenders to provide personal loans, instalment plans and Buy Now Pay Later options typically spanning 1 to 10 years. Representative APRs often sit in the low-to-high teens, and while some suppliers promote short-term 0% deals, these tend to be limited and conditional. The clear benefit is conversion - finance removes the upfront cost hurdle, helps customers move up a specification, and supports predictable sales cycles.

Customers respond best when monthly repayments are framed clearly and responsibly. That means using GBP, real-world deposits, and transparent examples that show both the monthly figure and the total amount payable. If a cash price is £20,000, the total over a long term can be significantly higher depending on APR and term. Being candid about this builds trust and reduces complaints.

Most providers in this space require minimum loan sizes - commonly £3,000 to £5,000 - and deposits between 10% and 25%. Partnerships with FCA-authorised lenders such as Novuna, Mitsubishi HC Capital, Pegasus and iDeal4Finance are standard, with the retailer acting as a credit broker. Your marketing should reflect that status clearly and avoid implying you are the lender.

Clarity converts - and protects your brand.

With rates higher than a few years ago, focus your examples on shorter terms, encourage larger deposits where possible, and explain any promotional 0% offers with precise, UK-compliant wording. A fast, accurate finance calculator that shows representative APR, minimum deposits and credit-status notes will do heavy lifting for you online.

Who will benefit from offering finance?

Garden-room retailers and manufacturers aiming to increase average order values, reduce cart abandonment and offer customers more flexible ways to pay. It suits businesses selling home offices, studios and annexes where the purchase is considered and specification-driven. It also helps customers who want quality now but prefer to spread the cost. If you market to small businesses or self-employed buyers, finance and rental alternatives can help manage cash flow while keeping options open.

The finance routes you can offer

1. Personal loans with fixed monthly repayments - 1 to 10 years

2. BNPL with a deferred period - often 3 to 12 months, fees may apply

3. Promotional 0% on selected models or terms - limited and conditional

4. Low-rate instalment plans - rate varies by term and deposit

5. Larger deposit plus shorter term - to reduce interest and total payable

6. Rental or subscription-style options - for temporary space or business use

Price, impact and risk at a glance

Who qualifies - and what to set out upfront

Eligibility is driven by lender criteria and your own commercial policies. In the UK, many lenders set minimum loan sizes around £3,000 to £5,000 and ask for a 10% to 25% deposit, sometimes higher for certain models or long terms. Credit is subject to status, affordability checks and UK residency. For BNPL, customers usually need to pass a credit assessment and accept that deferral periods may carry admin fees or that interest can accrue if the balance rolls into a longer term.

Publish your thresholds clearly on product pages and in your calculator. Set expectations around installation scheduling and funding release - lenders often require evidence of completion before finalising payment. Make aftercare and warranty timelines visible, and explain how complaints are handled. As a broker, you should disclose your status and any relevant FCA details, and name the lender providing the credit. Kandoo operates as a UK-based retail finance broker, helping match retailers and buyers with suitable, regulated lenders - an approach that supports compliant, customer-first journeys.

From enquiry to installation - a simple path

1. Choose your garden room, spec and price

2. Select finance option and preferred term

3. Enter deposit and details in the calculator

4. Apply online - quick status and affordability checks

5. Receive decision and review the credit agreement

6. Pay deposit and confirm installation timeline

7. Build completes - lender confirms satisfaction stage

8. Aftercare and warranty support begin

Advantages and trade-offs

Read this before you launch finance

Be specific about rates, terms, fees and total costs. If you promote 0% finance, make the conditions prominent and explain what happens if the balance is not cleared within the promotional window. For BNPL, state the deferral length, any administrative or settlement fees, and whether interest accrues after the deferral. Provide examples that show cash price, deposit, amount of credit, term, representative APR, monthly repayment and the total amount payable. Reinforce that credit is subject to status and UK affordability checks. Finally, map your installation milestones to lender funding stages and set out complaint routes under the Consumer Credit Act, including the role of the lender and access to ADR where applicable.

Alternatives worth considering

1. Pay in full with early-payment discount

2. Save and stage the build - phased specification upgrades later

3. Use a shorter term with a larger deposit to cut interest

4. Business rental for SMEs - potential tax-efficient treatment

5. Personal savings plus a small top-up loan

Frequently asked questions

Q: What APRs are typical for garden-room finance in the UK? A: Many deals advertise representative APRs in the low-to-high teens, sometimes approaching 19.9% on longer terms. The actual rate depends on term, product and your credit status.

Q: Are 0% finance offers genuinely available? A: Yes, but they are limited to selected models or short terms and often require a deposit and stricter eligibility. Always read conditions and time limits carefully.

Q: What are common minimums and deposits? A: Minimum loan sizes typically sit around £3,000 to £5,000, with deposits between 10% and 25%. Publishing these thresholds upfront helps customers self-assess.

Q: How do BNPL deals work for garden rooms? A: BNPL may include a 3 to 12 month deferral. Fees can apply, and balances moving into longer terms may attract interest. The schedule and any charges should be clearly explained.

Q: Why is the total amount payable so much higher on long terms? A: Interest accumulates over time. A £20,000 cash price can end up many thousands higher over a decade depending on APR, which is why shorter terms and larger deposits can help.

Q: Who handles complaints if something goes wrong? A: As the credit provider, the lender has responsibilities under the Consumer Credit Act. Retailers act as credit brokers and should provide clear routes for dispute resolution and aftercare.

How Kandoo helps you move faster

Kandoo is a UK-based retail finance broker. We connect garden-room retailers with regulated lenders, set up compliant journeys and provide trusted calculators and disclosures. That means faster approvals, clearer examples and better conversions without implying you are the lender. Speak to us to structure offers, from BNPL to short-term 0% promotions, tailored to your range and audience.

Important information

Credit is subject to status and affordability. Finance options, rates and terms vary by lender and product. Promotional 0% offers are limited and conditional. Figures in examples are illustrative only and not a personal quotation. Always provide FCA-compliant disclosures, including broker status and lender details, and consider independent advice for tax or business-use decisions.