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 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 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.

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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.