Horse Float Finance
Whether you're buying your first float for pony club runs or upgrading to a gooseneck for serious competition, we'll help you find the right finance. New and used options available with competitive rates from our panel of 40+ lenders.Finance your horse float or livestock trailer. New and used options with competitive rates.
Lenders who understand equestrian and rural needs
Finance for Floats & Livestock Trailers
Your horses deserve safe, comfortable transport. Whether you're a weekend rider heading to local shows, a competitive equestrian travelling the circuit, or a farmer needing reliable livestock transport, the right float makes all the difference.
At Your Lending Friend, we understand the equestrian and rural community. We work with lenders who appreciate the value of quality horse floats and offer competitive finance for both new and used trailers.
Rural/farming income? We have lenders who understand seasonal and agricultural income.
Types of Floats We Finance
From basic trailers to premium goosenecks
2 Horse Angle Load
Popular entry-level option for recreational riders. Horses travel at an angle for better balance.
3+ Horse Straight Load
Horses face forward or backward. Often includes tack room or living quarters.
Gooseneck Trailers
Connects to ute tray for more stable towing. Often includes living quarters. Premium option.
Livestock Trailers
Multi-purpose trailers for horses, cattle, sheep. Practical for farm use.
Horse Truck Bodies
Custom truck bodies for serious operations. Multiple horses plus living accommodation.
Used Floats
Quality used floats can offer excellent value. We finance well-maintained used trailers.
Popular Brands We Finance
Quality Australian and international brands
Don't see your preferred brand? We finance most quality horse float brands.
How Horse Float Finance Works
Four simple steps to getting your new float
Choose Your Float
Whether you're buying new or used, we can finance most horse floats and livestock trailers. Get quotes from dealers or private sellers.
Apply Online
Complete our simple 5-minute application. We'll search 40+ lenders to find competitive rates for your horse float finance.
Get Approved
Many applications receive same-day approval. We explain your options clearly so you can make an informed decision.
Hitch Up & Go
Once approved, we settle quickly with your dealer or seller. Time to pick up your new float and hit the road.
Checking your options won't affect your credit score
Before You Buy: Towing Considerations
Important things to check before finalising your float purchase
Tow Vehicle Capacity
Ensure your vehicle's towing capacity exceeds the loaded weight of your float. Don't forget to add the weight of horses, gear, and water.
Licence Requirements
Most floats can be towed with a standard car licence. Larger combinations may require an LR licence. Check your state's requirements.
Electric Brakes
Floats over 750kg (most horse floats) require electric brakes. Ensure your tow vehicle has a brake controller fitted.
Insurance
Comprehensive trailer insurance is recommended and often required by lenders. Shop around for horse float-specific policies.
Farmers & Primary Producers
Running an agricultural operation? We work with lenders who understand rural business income, including seasonal variations and income averaging. For business use trailers, you may be able to claim tax deductions. Chat to your accountant about chattel mortgage vs other finance structures.
New vs Used: What Should You Finance?
New Horse Floats
- Full manufacturer warranty
- Latest safety features
- Customise to your specs
- More finance options available
- Lower maintenance initially
Used Horse Floats
- Significant cost savings
- Less depreciation
- Proven reliability (if well-maintained)
- Often available immediately
- Good option for beginners
Not sure which is right for you? We can discuss your needs and help you decide.
Horse Float Finance FAQs
Common questions about financing your float
Yes, we finance quality used horse floats and livestock trailers. Age limits vary by lender, but many will finance trailers up to 15 years old if in good condition. We recommend getting a pre-purchase inspection for used floats.
Deposit requirements vary based on your credit profile and t...
Deposit requirements vary based on your credit profile and the lender. Some options require no deposit for strong applicants, while others may ask for 10-20%. Having a deposit can help you secure better rates.
Yes, we have options for borrowers with less-than-perfect cr...
Yes, we have options for borrowers with less-than-perfect credit. Our specialist lenders look at your whole situation, not just your credit score. Secured finance (where the float is security) can make approval easier.
Horse float finance terms typically range from 2 to 7 years....
Horse float finance terms typically range from 2 to 7 years. Shorter terms mean higher repayments but less interest overall. We'll help you find a term that balances affordable payments with total cost.
Similar principles apply - the float is typically used as se...
Similar principles apply - the float is typically used as security for the loan. However, some lenders specialise in recreational and rural assets and may offer better rates or more flexible terms for horse floats.
Often yes. We may be able to include accessories like horse ...
Often yes. We may be able to include accessories like horse rugs, tack boxes, or cameras in your finance. Registration and delivery costs can sometimes be included too.
Gooseneck trailers can definitely be financed. Being higher-...
Gooseneck trailers can definitely be financed. Being higher-value assets, they're often attractive to lenders. Some goosenecks with living quarters can be financed similarly to caravans.
Yes. We work with lenders who understand rural and self-empl...
Yes. We work with lenders who understand rural and self-employed income. If you're a primary producer or run an equestrian business, we can explore business finance options which may offer tax benefits.
Still have questions? Contact our friendly team