Horse float finance from 48+ Australian lenders.

Both. Private buyers finance floats through a secured leisure or personal loan, while equine businesses such as trainers, agistment operators and riding schools can finance them as business equipment on a chattel mortgage with GST and depreciation benefits. Your broker chooses the structure that fits how the float is used.

Yes. Used floats need a PPSR check, registration and often an inspection, and lenders look at the builder, age and condition of the floor and suspension. Imported floats are financed once complied and registered in Australia. Floats from recognised Australian builders hold value and are easiest to finance.

As a guide, a $35,000 two-horse float over five years costs roughly $700 to $780 a month depending on the rate and your credit profile, and a seven-year term brings that down further. Use the calculator on this page and your broker firms up the number with a real quote.

Yes. Goosenecks and horse trucks with living quarters are financed as leisure assets or, for businesses, as vehicles or equipment, with terms up to seven years given their long lives. Fit-out such as living areas and tack rooms can be included when quoted with the float or truck.

Yes. Leisure asset lending is available for caravans, camper trailers, boats, jet skis, motorbikes and horse floats, secured against the asset itself. Because these are bought for private use, the loan is regulated consumer credit with responsible lending obligations and a comparison rate. Terms are commonly up to seven years, sometimes longer for larger caravans and boats. Lenders consider the asset's age and type as well as your income and existing commitments.

A leisure asset loan is a secured consumer loan where the boat, caravan, motorbike, jet ski or camper trailer is the security, which keeps the rate lower than an unsecured personal loan. Terms run from one to seven years, repayments are fixed, and a balloon can be set to lower the monthly cost. Lenders quote a comparison rate and assess affordability under responsible lending rules, and the asset must be insured for the term.

Boats and outboard engines, caravans, camper trailers and motorhomes, jet skis, motorbikes and scooters, off-road buggies and quad bikes, and trailers. New assets from dealers are the simplest; used assets from dealers and private sellers are financed with a PPSR check and usually an inspection or valuation. Boat packages with the trailer and motor can be financed together.

Leisure asset loans commonly range from $5,000 to $150,000 or more for large caravans and boats, with lenders financing up to the full purchase price for well-qualified borrowers and often including registration, insurance and accessories. The amount depends on your income and commitments under responsible lending rules and on the asset’s value. A deposit lowers the repayment and can improve the rate.

Boats, caravans and jet skis can lose value faster than cars, particularly in the first few years, so lenders are careful that the loan balance does not sit above the asset’s value for too long. That influences the maximum term, whether a deposit is asked for and how large a balloon they will allow. A modest deposit and a term that matches how long you will keep the asset keeps you ahead of the depreciation curve, which your broker explains for the specific asset.

Yes. Private-sale boats, caravans and bikes are financed with a PPSR check to confirm no finance is owing, verification of the seller, and usually an inspection or valuation. Most lenders set an age limit at the end of the loan, which varies by asset type and is often longer for caravans than for jet skis. Allow a few extra days compared with a dealer purchase for the checks.