Horse Float Finance & Trailer Loans
For those looking for horse trailer finance in New Zealand, Crester Credit is here to offer a reliable and safe financial service. With our quick and easy applications, as well as rigorous but fair vetting process, Crester Credit is the name to remember when it comes to financing your horse float.
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Flexible responsible lending
While many lenders take a one size fits all approach, we consider individual applications on their own merit. Check out our online horse trailer loan calculator to get an idea of repayment terms and affordability.
Looking at the broader picture
Challenging credit histories usually lead to an immediate refusal for a loan, but today things are different. We look at the bigger picture when vetting your application for a horse float loan, including your income, finance, and security available.
Horse float loan terms
If you’re looking to purchase trailers and horse floats in New Zealand, you may need to take out a loan in order to cover the hefty price tag. We offer quick and hassle-free loans with repayment terms of between one and three years.
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Horse Float Finance Calculator
Use our horse float finance calculator to see what your repayments could look like before you apply.
Choose your term
Repayment Details
1 YEAR
Your approximate weekly payment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Free gift with every successful loan application
Get Horse Float Lending From Crester Credit
Step 1
Apply Online (4 mins)
Use our instant loan calculator to see your loan repayments amount. Once happy, apply using our easy online loan application form.
Step 2
Fast Processing
Our service is fast. We credit check your loan application instantly & get back to you with your approval results within just 1 hour.
Step 3
Quick Loans
Once approved, you’ll receive your fast cash loan in your account within 24 hours & you’ll receive your gift.
Getting started takes only 6 minutes, subject to the responsible lending code of New Zealand. Our online application form for loans online is fast & easy.
Rates
With Crester, you can repay your loan over a term of up to 36 months, with flexible weekly or monthly repayments to suit your budget. Our interest rates range between 9.95% and 26.98% p.a., depending on factors like your credit profile, loan purpose, and selected term. For a full breakdown including early repayment options, default interest, and establishment fees, please refer to our Rates and Fees page.
Terms
Before applying with Crester, please take a moment to review our terms and conditions. When you apply, you’re agreeing to let us collect and securely store your personal details. We aim to ensure all information on our site is current and accurate. If anything seems off, get in touch in writing and we’ll work to correct it. Crester follows New Zealand’s Responsible Lending Code.
Fees
Your personal data is protected with end-to-end encryption on all Crester web forms, ensuring your details remain secure throughout the loan process. We manage all client information with strict confidentiality, using robust security measures to guard against unauthorised access. Crester also complies fully with New Zealand’s privacy laws. For more information, see our Privacy Policy.
Things to consider when purchasing a horse float
Before taking the plunge and buying a horse float in New Zealand, there are some things you should keep in mind. This is a large purchase and shouldn’t be taken lightly. You can choose between a new or secondhand float, depending on how much you want to spend. However, when purchasing a secondhand horse trailer, it is vital that you buy from a reliable and trustworthy seller. This new trailer will be used to keep your horse safe on long journeys, so it is best not to go cheap. If you’re finding that you don’t have the funds for a good quality horse float, getting a horse float loan is a good option.
What do you need to apply for a horse trailer loan?
To apply for a loan for your horse float in New Zealand, there are a few things you will need. Firstly, you will need a good credit score. As with all financing and loans, credit scores are vitally important. Next, you will need to have a deposit, also known as a down payment, saved up. For those who were you looking to buy a horse trailer with cash, this money is probably already available. Lastly, do your research on loan terms and interest rates. And don’t be fooled if something looks too good to be true.
The benefits of a horse float loan
There are so many benefits to financing a horse float rather than buying one cash. Since it frees up so much more money for you, you will have much more confidence to shop around and get a horse trailer that is of the best quality for your money. Going cheap only costs you more money in the long run. Horse loan finance is also available for 100% of the purchase price depending on your application. This means that while a deposit is recommended, it is not the only option. The interest on your loan may also be tax deductible, but chat to a financial advisor to be sure.
Handy tips
Using the horse float loan for upgrading. You can use this loan to upgrade your existing horse float, such as adding more features to it like a tack room or living area. You could also add some tech and security upgrades, such as a GPS locator and a security camera. All brilliant upgrades to ensure the safety of your horse.
Horse float loans give peace of mind. Since you can get pre-approved for your finance, you know exactly how much you have available to spend on your horse trailer. This makes the whole shopping process easier.
Personal vs commercial loans. There are two types of loans available for horse floats: personal and commercial. The first is pretty self-explanatory but it basically means that an individual is applying for a loan for a horse float costing less than $20 000. These loans have smaller interest rates and must be paid off over a shorter period of time. Commercial loans are for much larger purchases of more than $20 000. These are paid off over a longer period and have a higher interest rate.
Flexible payment options. Depending on your cash flow, you can make payments into your loan weekly, fortnightly, and monthly. Paying it off faster means less interest but spreading payments out also allows you to manage cash flow and free up liquid cash for emergencies.
What if I have bad credit? Unfortunately, bad credit will affect your chances of getting approved for a horse float loan. At Crester Credit, we are responsible lenders and so ensure that our clients can afford the loans they are seeking. However, other factors are taken into account, such as other investments and the strength of your income.
Frequently Asked Questions
What are my options for financing a horse float?
You can take out a personal loan from the bank, or you can apply for a tailor-made finance solution through Crester Credit.
How long do I have to pay it off?
This can be anywhere from one year to three years. Chat to one of our finance specialists for a personalised loan term.
What is the interest rate on a horse trailer loan?
This all depends on your application but loans from Crester Credit offer an interest rate between 9.95% and 26.98% p.a. depending on collateral and loan term.
What your loan really costs
No surprises. Here’s the full picture before you apply:
- Interest rate: between 9.95% and 26.98% p.a., personalised to your situation and fixed for the life of your loan.
- Establishment fee: between $135 and $995 depending on your loan size, charged once at the start.
- Administration fee: $10, plus $5 for each additional borrower.
- Repaying early: a $65 administration charge applies, plus any prepayment charge as calculated under the regulations.
Every fee we charge is published on our loan interest rates and fees page, and your loan contract shows your exact rate, fees and total repayments before you sign. For a personalised repayment estimate, use the calculator above.
Real people, start to finish. Talk to the same friendly team from application to payout. Meet the Crester team
APPLY NOW, DECISIONS USUALLY NEXT BUSINESS DAY
Our online application form takes only six-eight minutes to complete. Start by filling this in, and if you’d like to talk with one of our loan officers, please make a note of it in the application.
What New Zealand Borrowers Say About Us
Rated 4.7 out of 5 stars based on 2044 customer reviews.
Horse Float Finance Questions? Ask Our lending team
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We appreciate that time is very often of the essence when it comes to buying horse floats, therefore we typically respond almost immediately. In the interests of transparency, our charges, interest rates, as well as terms and conditions are published on our website. An in-depth commonly asked questions page will also address various issues that may arise. We have the experience and the resources available to assist with all things related to horse float finance.
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