Horsebox Finance

Q: Can I finance a used horsebox?

Yes. Most lenders finance used horseboxes up to 10 years old. An independent valuation is usually required for horseboxes over 5 years old. Rates for used horseboxes are typically 0.5–1.5% higher than new.

Q: What deposit do I need?

For hire purchase, most lenders ask for 10–20% deposit. Finance leases and operating leases often require no deposit. A larger deposit reduces monthly payments and may secure a better interest rate.

Q: How quickly can I get horsebox finance?

Most applications are approved within 24–48 hours. Straightforward deals under £50k can often receive same-day approval. Bespoke or high-value builds may take 5–7 working days.

Q: Do I need to be a business to get horsebox finance?

Horsebox finance is available to sole traders, partnerships, and limited companies. Some lenders also offer personal horsebox finance. Business use opens up tax advantages such as AIA and VAT recovery.

Spread the cost of horseboxes from £10,000 to £200,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.

Typical Cost

£10k – £200k

Approval Speed

24–48 hours

Same-day for < £50k

Rates From

From 5.0% APR

Finance options

Hire Purchase (HP)

Rate: From 5.5% APR
Term: 12–60 months
Deposit: 10–20%
Ownership: Yours at the end
Best for: Equestrian businesses wanting to own the horsebox outright

Finance Lease

Rate: From 5.0% APR
Term: 12–60 months
Deposit: None required
Ownership: Return or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit

Operating Lease

Rate: From 5.8% APR
Term: 24–48 months
Deposit: None required
Ownership: Return at end
Best for: Upgrade as your needs change. Off balance sheet.

Representative example

Borrow £45,000 over 48 months at 5.9% APR (fixed). Monthly repayment: ~£936. Total amount payable: ~£44,928. Rates depend on your circumstances.

Popular models

Model	Price Range	Type
Equi-Trek Sonic	£55,000 – £75,000	3.5t Horsebox
Theault Proteo 5	£90,000 – £140,000	5-Stall Horsebox
Equihunter Arena	£40,000 – £60,000	3.5t Horsebox
Oakley Supreme	£120,000 – £200,000	7.5t Horsebox

Tax benefits

Horseboxes used for business purposes (e.g. professional equestrian yards, livery, competition transport) qualify for Annual Investment Allowance (AIA). HP agreements allow capital allowances claims. Lease payments are fully deductible from taxable profits as a business expense.

Market context

The UK equestrian industry is worth £4.7bn annually and employs over 240,000 people. There are approximately 1 million horse owners in the UK. The horsebox market sees over 3,000 new and used sales per year in the UK.

Bad credit?

Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Our eligibility check uses a soft search only — no impact on your credit score.

Frequently asked questions

Can I finance a used horsebox?