Horse float loan

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.


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 a horse float in New Zealand, you will probably need to take out a loan in order to cover the cost of it. At Crester Credit, we offer loans with repayment terms of between one and four years.

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Super fast –

Money in your account

just 24 hours

Horse trailer finance calculator

Compare and contrast repayment terms with our online horse trailer finance calculator. When looking for a horse float loan, it’s important to pay attention to the rates offered. However, you can keep your interest down by choosing to pay your loan off faster.

I want to borrow:
I can afford to repay (per week):

$30 per week

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins
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* This is an approximate loan duration based on assumed adequate security u0026 collateral, job security, income, residence situation and positive references.
horse float

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 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.

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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.

benefits of float loan

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.

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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.

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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.

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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.

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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.

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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


Calculating time

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.

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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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