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Your horses deserve safe, comfortable transport. Whether you are heading to a weekend competition or moving stock between properties, Thor Finance compares horse float loan rates from over 45 lenders to help you find the right float and the right finance.
A horse float loan is a form of secured finance where the float itself is used as collateral for the loan. Because the lender holds security over the asset, secured horse float loans typically offer lower interest rates compared to unsecured personal loan alternatives.
Loan terms for horse floats commonly range from three to seven years, depending on the lender and the value of the float. Fixed rate options keep your repayments consistent for the life of the loan, while variable rate options may be available through select lenders.
Horse floats range significantly in price, from basic bumper pull two-horse models to large gooseneck floats with full living quarters. Thor Finance compares options across our lender panel to find a loan structure that matches the float you need and the budget you have.
Investing in a new horse float gives you the benefit of manufacturer warranties, modern safety features and the latest designs in ventilation, suspension and loading systems. New floats from Australian and international manufacturers are built to current safety standards, giving you confidence that your horses are travelling in the best conditions possible.
From a finance perspective, new floats typically attract the most competitive rates. Lenders view new assets as lower risk, which can translate to more favourable loan terms. Whether you are ordering a custom-built float or purchasing from a dealer’s current stock, Thor Finance can compare options from across our panel of 45+ lenders.
A well-maintained used horse float can offer excellent value, particularly for owners who need a reliable transport solution without the outlay of a brand-new purchase. Many pre-owned floats have plenty of service life remaining and come with proven track records.
When financing a used horse float, lenders will consider the age, condition and value of the float. Some lenders set maximum age limits, while others are more flexible depending on the overall loan profile. A thorough mechanical and structural inspection is strongly recommended before purchasing any used horse float, as issues with flooring, brakes and chassis integrity can affect both safety and resale value.
Thor Finance works with lenders experienced in used asset finance, so we can help you find competitive rates for pre-owned floats.
Horse floats come in two primary configurations: bumper pull (also called tag-along) and gooseneck. Each has its advantages, and both are eligible for secured finance through Thor Finance.
Bumper pull floats attach to a standard tow ball and are generally lighter and more affordable. They are well-suited to two-horse and three-horse configurations and are easier to tow with mid-size vehicles. Bumper pull floats are a popular choice for recreational riders and those with smaller towing setups.
Gooseneck floats attach to a hitch mounted in the tray of a ute or truck. They offer greater stability at higher capacities and are the preferred choice for larger floats carrying three or more horses. Gooseneck floats often include living quarters, tack storage and other features that increase their overall cost. Because of the higher purchase price, gooseneck floats may require larger loan amounts, and your Thor Finance broker can identify lenders with appropriate lending limits.
When you are ready to apply for horse float finance, having the following documents prepared will help speed up the process:
If you are self-employed, a contractor or earning seasonal income (common in agricultural and equestrian industries), your broker can advise on alternative documentation options. Our lender network includes options for borrowers whose income does not follow a standard payslip structure.
We compare horse float loan rates from over 45 lenders, giving you access to options well beyond what a single bank can offer.
Many applications receive approval within the same business day, helping you secure the float before it sells.
Our initial enquiry does not affect your credit score. Explore your options with confidence before committing.
We arrange finance for brand-new and pre-owned horse floats in both gooseneck and bumper pull configurations.
We work with lenders familiar with the equestrian and rural sector, including those who accommodate seasonal and variable income.
Your dedicated broker handles the process from enquiry through to settlement.
You can finance a wide range of horse floats including bumper pull (tag-along) floats, gooseneck floats, two-horse models, three-horse and larger configurations, and floats with or without living quarters. Both new and used floats are eligible.
Yes. Thor Finance arranges finance for both new and used horse floats. Lenders may apply different terms depending on the age and condition of the float. Your broker will identify lenders whose criteria match your specific purchase.
Maximum age limits vary between lenders. Some require the float to be under a certain age at the end of the loan term, while others are more flexible. We work with a range of lenders to find options for older floats where possible.
Most lenders require comprehensive insurance on the horse float for the duration of the loan. This protects you and the lender against damage, theft or total loss. Your broker will advise on specific insurance requirements for your loan.
Deposit requirements vary by lender and your financial profile. Some lenders offer no-deposit options for eligible borrowers, while contributing a deposit can improve your approval chances and may result in a more competitive rate.
Yes. Gooseneck floats are eligible for secured finance through our lender network. Because gooseneck floats are often higher in value, your broker will identify lenders with appropriate lending limits and terms for larger loan amounts.
Yes. Our lender network includes options for borrowers with seasonal, variable or rural income. This is common in the equestrian and agricultural sectors. Your broker can advise on alternative documentation and lenders who specialise in non-standard income structures.
Credit Representative Disclosure: Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative #557246 of AFAS Group PTY LTD, Australian Credit Licence #414426.
Email us to let us know how we can help you with your business’ Loan requirements.
Thor Finance
ABN 31 629 922 589
Contact us to see how we can help you with your finance requirements
Thor Finance ABN 31 629 922 589 is an Authorised Credit Representative
#557246 of AFAS Group PTY LTD, Australian Credit Licence #414426.