Purchasing a horse float? Here’s what you need to know first!

Getting your horse the best as well as the right equipment – especially a horse float – can prove to be extremely costly. Although, like a car, a necessary expense. When transporting your horses to shows and other events, you want to make sure you have the absolute best for your horses.

They call horse riding ‘the labour of love’, and they can be an extremely expensive addition to your stable and family. They are costly to feed and require a whole bunch of expensive and specialised equipment – such as saddles, paddocks, stables, insurance, health costs, and much more – in order to give them a great and healthy life. Like cats and dogs, horses become beloved pets to their families, and as such you want to make sure they receive only the best.

Not only can selecting the right float feel overwhelming, but adding to that a horse float loan and you may feel in over your head. iCREDIT can help!

We understand horse float finance and trailer loans, and our dedicated finance consultants can help you find, compare and choose the best possible loan that is suitable to your budget and lifestyle needs.

Whether you’re buying a brand new horse float, updating to a newer model or making repairs to your current horse float, iCREDIT’s experience in achieving successful and low cost loans can help make this decision a simple one.

Still feeling a bit stressed about this decision? iCREDIT can work with you to help you gain pre-purchase horse float finance, saving you time should you find that perfect bargain. It also means more flexibility to take your time to research your purchase, negotiate a better price and allow you to make an on the spot purchase so that you don’t lose out to another buyer.

What Is a Soft Quote?

A soft quote is a simple, no-obligation way to explore your loan options without affecting your credit score.
When you request a soft quote, we assess your financial profile and give you an estimated rate, repayment amount, and loan term based on current lender options.

✔️ No credit file impact
✔️ No commitment required
✔️ Instant comparisons across multiple lenders

It’s ideal if you’re still shopping around or just want to understand what your repayments might look like.

 

What Is a Full Application?

A full application is the next step once you’re ready to proceed.
This involves submitting your information to the lender for a formal assessment. The lender then completes a credit check, verifies your documents, and provides a confirmed interest rate and loan offer.

✔️ Required for formal approval
✔️ Involves a credit check
✔️ Can lead to same-day approvals (depending on the lender)

What Affects Your Loan Rate?

Lenders consider several key factors when determining your personalised rate and terms. These include:

1. Your Profile

Credit history, employment stability, and income all play a major role in the rate offered. A clean credit file and steady employment can often lead to lower rates.

2. The Asset

The type, age, and condition of the asset (car, caravan, horse float, etc.) can influence risk and therefore the rate. Newer or higher-value assets often attract better rates.

3. Loan Term

Shorter terms generally mean less total interest paid, while longer terms may offer lower weekly repayments but higher total cost.

4. Fees

Every lender has their own structure for establishment, monthly, and exit fees. iCREDIT helps you compare these upfront so there are no surprises.

Why Compare with iCREDIT

At iCREDIT, we make finance simple and transparent. Our team compares a wide range of lenders, explaining your options clearly and helping you choose the best fit — without pressure or hidden costs.

  • Compare rates and lenders side-by-side

  • Understand your total loan cost upfront

  • Avoid unnecessary credit checks until you’re ready

Get Your Soft Quote Today

Take the first step with a soft quote and see what’s possible — all without impacting your credit score.

👉 Start your soft quote today