Finance the Ride / Horse float finance
How to Get a Loan for a Horse Truck Instead of a Float 🚛🐴
🚛 Can You Finance a Horse Truck Instead of a Horse Float? Yes! If you need a horse truck instead of a horse float, you can apply for finance just like any other vehicle loan. However, since horse trucks are...
- No credit check to enquire
- Free to enquire, with no obligation to go ahead
- A licensed broker calls you, usually within one business day
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🚛 Can You Finance a Horse Truck Instead of a Horse Float?
Yes! If you need a horse truck instead of a horse float, you can apply for finance just like any other vehicle loan. However, since horse trucks are larger and more expensive, lenders may have different loan requirements compared to horse float finance.
Financing a horse truck is similar to commercial truck or heavy vehicle loans, and you may need to meet stricter eligibility criteria depending on whether the truck is for personal or business use.
🏦 Horse Truck Finance vs. Horse Float Finance
Here’s how financing a horse truck differs from financing a horse float:
| 🔑 Factor | Horse Float Finance | Horse Truck Finance |
|---|---|---|
| 💰 Loan Amount | Typically lower, around $10,000 – $50,000 | Higher, often $50,000 – $200,000+ |
| 📑 Loan Type | Secured or unsecured loan | Secured vehicle or commercial loan |
| 🏦 Lender Requirements | Standard credit and income checks | Stricter checks due to higher loan amounts |
| 📆 Loan Term | 1 – 7 years | 3 – 10 years (depending on lender) |
| 🚛 Business Finance Options | Not always required | Chattel mortgage or lease may be available |
💡 Tip: If you’re using the horse truck for business purposes, you may qualify for a chattel mortgage or lease that offers tax benefits.
📋 What You Need to Qualify for Horse Truck Finance
Because horse trucks are larger financial commitments, lenders may require:
✅ A good credit score (650+ preferred)
✅ Proof of income or business cash flow (if for commercial use)
✅ A deposit (optional) to reduce the loan amount
✅ Truck details (make, model, value, and intended use)
If you’re self-employed or running a horse-related business, you may need an ABN and financial records to qualify for a business loan.
💡 Why a Finance Broker Can Help with Horse Truck Loans
A finance broker can:
✅ Compare lenders that specialize in heavy vehicle or commercial loans
✅ Secure lower interest rates and better repayment terms
✅ Help you choose between a personal, commercial, or lease finance option
🔑 Final Thoughts
If you’re considering a horse truck instead of a horse float, financing is available—but the process is slightly different due to the larger loan amount. A finance broker can help you compare options and secure the best deal based on your needs.
🚀 Need finance for a horse truck? Get pre-approved today and hit the road with confidence!
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.
About this guide. Written by the Finance the Ride team and last updated . It's general information for Australian borrowers, not financial advice, and doesn't take your circumstances into account. Finance the Ride is a referral service: we don't lend money or hold an Australian Credit Licence. About us