1 to 7 Years
& Private Sale
Fuss Application
Over 40 Lenders
Whether you’re buying your first float, upgrading to a gooseneck, or expanding your transport setup, iCREDIT Newcastle offers flexible horse float loans designed for riders, breeders, and equine professionals throughout the region.
We understand the importance of safe, reliable horse transport. That’s why we partner with a wide network of lenders to match you with a loan that suits your budget, goals, and lifestyle.
Loan Amounts
Loan Terms
Protection
We provide funding for:
Standard horse floats
Goosenecks
Stock trailers
Custom horse trucks
New or second-hand floats
Dealer or private seller purchases
Auction buys
No matter where or how you’re buying, we can help.
Experience the ease of our straightforward 3-step process, ensuring you access your funds without delay.
Complete your application online in less than 5 minutes.
Upload your supporting documents
Once approved – Review your loan offer and accept online
Equine Finance Specialists – We know the needs of local horse owners and professionals.
Fast Pre-Approvals – Get clarity on your budget before you start shopping.
Flexible Loan Terms – Choose from 1 to 7 years with structured repayments to suit your cash flow.
Low Doc & Self-Employed Options – Perfect for trainers, breeders, or small business owners.
No Deposit Finance – Available to approved applicants.
At iCREDIT Newcastle, we specialise in helping horse owners across Newcastle, the Hunter Valley, and Gosford secure the finance they need to purchase their ideal horse float.
Whether you’re upgrading, purchasing your first float, or expanding your transport setup, our team is here to guide you every step of the way. We offer personalised support and expert advice to ensure your loan journey is smooth, stress-free, and tailored to your individual needs.
With strong relationships across a wide panel of lenders who specialise in horse float finance, iCREDIT Newcastle can deliver competitive rates and flexible loan terms designed to suit your budget and goals.
Our fast, streamlined application process helps you get approved quickly — so you can move forward with confidence and focus on what matters most: your horses.
At iCREDIT Newcastle, we’re committed to delivering outstanding service and trusted financial solutions to riders, breeders, and equine professionals throughout the region. Let us help you finance your horse float and take your equine journey to the next level.
Secured personal loans are backed by an unencumbered asset — such horse float — which is used as security for the loan. By offering an asset as collateral, you may be able to borrow a larger amount, as it reduces the lender’s overall risk and provides added confidence in the loan arrangement.
Unsecured personal loans offer the freedom to borrow without using an asset as collateral. With flexible terms ranging from 1 to 7 years, they’re ideal for a range of needs — from consolidating debt to covering major purchases. Loan amounts typically start from $5,000 and can go up to $60,000, depending on your profile.
Business Horse Float Finance may provide valuable tax benefits for Sole Traders, Companies, and Trusts. Options such as Chattel Mortgage, Rent-to-Own, and Leasing are available to suit different business needs. Talk to one of our finance consultants to explore which solution is best for your situation.
We offer second chance horse float loans to help you get back on track. If you have a history of poor credit or past defaults, we may have a finance solution tailored to your needs. Speak with our team to explore your options and take the next step with confidence.
If you’re in the market for a horse float, consider getting pre-approved for a loan before you buy. Pre-purchase approval gives you the flexibility to shop confidently, knowing your finance is already in place — especially helpful when buying from a private seller or securing a quick sale.
A horse float loan is a type of personal or business loan used specifically to finance the purchase of a horse float (also known as a horse trailer). It allows you to spread the cost of buying a new or used float over time, rather than paying the full amount upfront.
nterest rates for horse float loans in Australia can vary based on several factors, including the type of loan, your credit profile, the age of the horse float, and the lender’s policies.
Several elements can affect the interest rate offered:
Credit Score:
Loan Term:
Asset Age:
Loan Amount:
To apply for a horse float loan, you will be required to provide some details. Generally the more information you can provide the more options will be available to you.
Information to assist with personal loans may include:
The short answer is yes — you can still apply with bad credit.
While many lenders prefer a clear credit history, we work with a panel of lenders who understand that life happens. If you’ve had defaults or poor credit in the past, you may still be eligible for a horse float loan.
Because every situation is different, our experienced finance consultants take the time to understand your circumstances and match you with a loan product that aligns with your needs and goals.
Yes, we offer finance options for older model horse floats and gooseneck trailers.
Whether you’re purchasing a well-maintained second-hand float or an older gooseneck, we have lenders on our panel who can assist. Speak with our team to find a solution that suits your needs and budget.
While security isn’t always required for a horse float loan, it can be beneficial.
For smaller loan amounts, lenders may not require collateral. However, if you’re borrowing a larger sum, offering the horse float as security can give the lender added confidence — often leading to more favourable loan terms, including better interest rates and approval outcomes.
Financing Horse Floats for Business Use
If you’re purchasing a horse float, gooseneck, or stock trailer for business purposes, iCREDIT offers a wide range of equine business finance options to suit your needs.
Our products include:
Finance Leasing
Rent-to-Own
Whether you’re a sole trader, partnership, company, or trust, our team can help tailor a finance solution to support your equine business goals.
Having a choice of lenders and loans can help find the lowest overall cost loan to suit your needs.
Depending on the application, some horse float loans can be accessed quickly, in some cases funding can be provided the same day.
Loan terms for floats and goosenecks can vary from 1 to 7 years with the option to repay additional repayments and bulk payments to reduce the overall loan term total interest.
If you’re purchasing a horse float and needing a short term loan (under 12mths) a secured loan may not be the best option for you. Some secured lenders may charge an early exit fee if you pay out the loan before the contracted term.
If you’re not using the horse float predominately for your work, a business loan may not be a suitable product for you to choose from.
