Why Finance Your Horse Float With Us?

  • Lower rates for horse float buyers

    Save money with finance options designed to keep repayments affordable on your float.

  • Fast-track approvals with 60+ lenders

    Get matched with lenders who understand horse floats, so you can tow sooner.

  • Flexible finance for every rider

    Whether you're a hobby rider, breeder, or competitor - we tailor loans to suit your needs.

How Long Does It Take to Get Approved for Horse Float Finance? ⏳🐴

🚛 How Quickly Can You Get Horse Float Finance Approved?

If you’re ready to buy a horse float, you probably want your finance approved as quickly as possible. The time it takes to secure a loan depends on your credit profile, lender processing times, and the type of finance you choose.

While some applications can be approved within 24 hours, others may take a few days or weeks, especially if extra documentation is required.

🏦 Horse Float Finance Approval Timeline

Here’s a breakdown of how long each stage of the loan process typically takes:

🔑 Stage Timeframe What Happens?
📑 Loan Application 10 – 30 minutes Submit details online or through a broker
💳 Credit & Income Assessment 1 – 2 days Lender reviews your credit score, income, and financial history
📜 Loan Approval Decision 24 hours – 5 days Faster for well-prepared applications; longer if extra info is needed
📝 Loan Contract Signing Same day – 2 days You sign the agreement and confirm loan terms
💰 Funds Released 1 – 3 days Lender transfers funds, and you can collect your horse float

⏩ How to Speed Up the Loan Approval Process

To get approved faster, make sure you:

✅ Check your credit score and fix any issues before applying
✅ Prepare all necessary documents (ID, proof of income, bank statements)
✅ Apply through a finance broker who can match you with the fastest lenders
✅ Choose a lender that offers fast approvals (some lenders approve within hours)

💡 Tip: If you need urgent finance, look for lenders offering same-day or express loan approvals.

💳 Why a Finance Broker Can Help You Get Approved Faster

A finance broker can streamline the process by:

✅ Finding lenders with quick approval times
✅ Ensuring your application is complete and accurate
✅ Negotiating with lenders to speed up funding

🔑 Final Thoughts

Most horse float finance applications are approved within 24 hours to a few days, depending on the lender and how prepared you are. Working with a finance broker can help fast-track your approval so you can buy your horse float sooner.

🚀 Need fast horse float finance? Get pre-approved today and secure your loan quickly!

 

DISCLAIMER

The information provided on this website is general in nature only and has been prepared without considering your financial needs, circumstances and objectives and should NOT be construed as financial, taxation or legal advice. For more information, get in touch with our experienced partner brokers today.

Back to blog

Resource Hub

1 3

All Your Questions Answered

What is a car loan and how does it work?

A car loan is a finance product where a lender provides funds for you to purchase a vehicle, which you repay over time with interest.

What’s the difference between secured and unsecured car loans?

Secured loans use the car as collateral, often leading to lower interest rates. Unsecured loans don’t, but usually have higher rates.

What loan terms are available for car finance?

Most car loans offer terms from 3 to 7 years. Find out what term suits you best.

How is interest calculated on a car loan?

Interest is based on the loan amount, term, and rate. Fixed-rate loans have predictable repayments, while variable rates can change.

Can I get a car loan for a private sale?

Yes, many lenders accept private sellers. You’ll need to provide extra documents.

Do government employees get lower interest rates on car loans?

Yes — many lenders offer better rates due to your stable income. Explore finance options for government employees.

Can I apply for a car loan while on probation?

Yes. Many workers are approved during probation.

What credit score do I need as a government employee?

A score of 650+ is ideal, but lower scores may still be considered.

Are corporate professionals eligible for low-rate finance?

Yes, especially if you're full-time with strong income.

Can I get car finance with a novated lease?

Yes, many government departments support novated leasing.

Can I get a car loan with no credit history?

Yes, it's still possible to get a car loan with no credit history.

What if I’ve been declined elsewhere?

A broker can help restructure your application for better results.

How do I check my credit score?

Use Equifax, Experian, or Illion for a free check.

Can I get finance if I have a current personal loan?

Yes, if your income supports both loans. A broker will assess your capacity.

What documents do I need to apply?

Typically: ID, payslips, and bank statements.

Can casual workers get car loans?

Yes, if you’ve worked consistently for 6+ months.

Can I apply if I’m self-employed with an ABN?

Yes. Consider a low-doc loan.

Can Centrelink be used as income?

Yes, when paired with PAYG income.

What’s the minimum income to qualify for car finance?

Most lenders prefer $30,000+ annually, but this varies.

Can I apply on a fixed-term contract?

Yes, especially if it’s government-backed.

Can I finance a used car?

Yes, most lenders allow used cars under 10 years old.

Can I get a loan for an SUV or family car?

Absolutely

Can I finance a caravan or motorbike?

Yes

Can I finance an EV or hybrid car?

Yes. You may even qualify for green car loan discounts.

Can I use my car for both work and personal use?

Yes you can.

What is a balloon payment?

It’s a lump sum due at the end of the loan term.

Can I make extra repayments?

Yes, many lenders allow this without penalty.

Can I pay off the loan early?

Yes — ask if there’s an early payout fee.

Is there a deposit required?

Not always.

What loan terms are available?

1 to 7 years is standard.

How long does approval take?

24–48 hours in most cases

Can I apply online?

Yes — most lenders and brokers accept online applications.

Is a broker better than going direct?

Often, yes. They can compare lenders for you.

Can I get pre-approved?

Yes — and it gives you better negotiating power at the dealership.

What happens after I apply?

Your documents are reviewed, and if approved, the lender issues funds to the seller.

Can I get a loan with a visa?

Yes, in some cases. see finance for visa holders here.

Do I need a driver’s licence to apply?

Yes, but learners may qualify with a co-applicant.

Can I apply with someone else?

Yes, joint applications are allowed.

Can I refinance my current car loan?

Yes — it can lower your repayments or get you a better rate.

Can I trade in my old car as a deposit?

Yes, many lenders accept trade-ins toward the deposit.

Can nurses get car finance?

Yes — see nurse-specific finance tips.

Can teachers apply while on contract?

Yes. Read how to get approved.

Do defence personnel get special car loan rates?

Yes, in some cases. Your job security is a major advantage.

Can FIFO government workers apply?

Yes — consistency in income matters more than job location.

Can I apply if I’m on maternity leave?

Yes, especially if you’re returning to work. Here’s how.

Can I use car finance to buy interstate?

Yes — just make sure the seller provides all required documents.

Can I finance a car from an auction?

Yes, but only through select lenders. Ask your broker first.

Will applying hurt my credit score?

Only if you apply to multiple lenders directly. Brokers help protect your score.

Can I get a car loan if I’ve been bankrupt before?

Yes — see bad credit car loan options.

What if I want to upgrade my car before the loan ends?

You can sell the car, pay off the loan early, or refinance.