Finance
Pay it off over two years, not all at once
Through our Q Card partnership you can take up to 24 months interest free on your outdoor room. Same fixed price, same finished space, spread across the term instead of one lump sum.
Lending criteria, fees and Q Card terms and conditions apply. Minimum monthly payments are required during the interest free term. The key numbers are here.
The point of it
The space starts paying you back before you have finished paying for it
Waiting until you have the full amount saved usually means losing two summers. Spreading the cost means the room is finished and being used while you pay it down.
Use the space from day one
You are not saving up for two years and then enjoying it. You get the summer, and the one after, while you are paying it off.
Keep your savings where they are
A large lump sum out of the account is what stops most projects. Spreading it means your buffer stays intact.
Build the room you actually want
Most compromises happen at the quote stage over a few thousand dollars. Across a monthly payment the difference is far smaller than it looks.
One fixed price, no surprises
The price we quote is the price you pay, so the amount you finance is the amount you agreed. No variations added later.
How it works
Three steps
Get your fixed price quote
Your local expert visits, measures up and quotes the whole job. Free, and no obligation. You know the exact number before you think about payment.
Apply for Q Card
Apply online in a few minutes. If you already have a Q Card or Q Mastercard you can simply use it.
Pay it off monthly, interest free
Your outdoor room gets built and installed. You spread the cost across the interest free term instead of paying it all at once.
Questions
Finance, answered plainly
How long is the interest free term?
Up to 24 months interest free is available on our Q Card Long Term Finance deal, subject to lending criteria and to the terms current when you apply. A minimum spend may apply.
Do I have to use finance?
Not at all. Plenty of customers pay by our standard payment schedule instead. Finance is simply there if spreading the cost suits you better.
When do I apply?
Once you have your quote. There is no point applying before you know the number, and there is no obligation to proceed after you have it.
Do I still make payments during the interest free term?
Yes. Interest free does not mean payment free. Q Card requires a minimum monthly payment throughout the term, currently 3 percent of the closing balance or $10, whichever is greater. Paying only the minimum may leave a balance at the end of the term, and standard interest would then apply to it.
Can I pay it off early?
Yes. Q Card allows you to pay all or part of the balance at any time without an early repayment fee. Clearing it before the interest free term ends is the cheapest way to use it.
Does financing change the price?
No, and it is not allowed to. Our agreement with the credit provider requires the financed amount to be the same as the cash price. We do not add a finance surcharge.
What if I already have a Q Card?
Then you may be able to use your existing account. Mention it to your expert and they will point you in the right direction.
Apply in a few minutes
Applying is quick, and you can do it once you have your quote. Lending criteria, fees and Q Card terms apply.
Apply for Q Card →Things you should know
Finance is provided by the Q Card issuer, not by The Outdoor Room Company, and the credit account is between you and them. Lending criteria, fees and Q Card terms and conditions apply, and a minimum spend may apply. Minimum monthly payments are required throughout the interest free term. If any balance remains at the end of the interest free term, the standard interest rate applies to it from that point.
Rates and fees above are Q Card figures, correct as at 29 July 2026 and subject to change. For the current list see Q Card fees and charges, and read the Q Mastercard cardholder terms and conditions in full before you apply.
Q Card is one way to pay for your project. It is not the only way, and it will not suit everyone. If you are not confident you can meet the repayments, our standard payment schedule is available instead. If you are unsure, seek independent financial advice.
Real customers
What homeowners say
Verified Google reviews from completed projects.
Excellent outcome, just what we wanted, and as was promised to us. The team of Paea, Joe and Adam were diligent, accurate, and fun to interact with. Highly recommended. Grant
This company has really good business processes. They were on time. They contacted me properly. Their men did a good job. I recommend them.
Entire experience has been fantastic. Right from getting Matt round to quote, through to the install - super easy, very professional, reasonably priced and a fantastic result. The final product looks like it was always meant to be there. Couldn’t recommend more. Thanks team!