Horse Float Finance in Australia: A Complete Guide
Whether you're buying your first two-horse float or upgrading to a large gooseneck with living quarters, this guide covers all your horse float finance options — no ABN required for personal buyers.
Can I Finance a Horse Float Without an ABN?
Yes. Horse floats for personal recreational use are financed through consumer asset finance or personal loan options — no business structure is required. This is one of the most common questions asked by private buyers, and the answer is straightforwardly yes.
Good news for personal buyers: Consumer trailer finance is available for horse floats of all sizes, from a basic two-horse bumper-pull to a large gooseneck with living quarters and multiple horse capacity.
Types of Horse Floats That Can Be Financed
All configurations of horse float are financed through appropriate personal or commercial finance options:
- Two-horse and three-horse bumper-pull floats
- Angle-load floats for multiple horses
- Gooseneck horse trailers — including those with living quarters
- Commercial horse transport trailers used by equestrian businesses
- Combination floats with tack rooms and dressing areas
Personal Finance vs Business Finance for Horse Floats
If you are buying a horse float for purely personal use — recreational riding, competition, agistment — you access consumer finance options without needing an ABN. If the float is used for a commercial equestrian business — horse transport as a service, stud farm or riding school — business finance structures (chattel mortgage, finance lease) are more appropriate and offer additional tax benefits.
Looking for Horse Float Finance?
Consumer and commercial options available. Free enquiry, no obligation, no ABN required for personal buyers.
Get a Free Quote →New vs Used Horse Floats
Both new and used horse floats are financed. New floats from dealers are the most straightforward — lenders have clear valuations and are comfortable with the asset. Used floats are also funded, particularly well-maintained units from reputable manufacturers. The condition, age and market value all factor into the lender's assessment.
Gooseneck Horse Trailers: Finance Considerations
Gooseneck horse trailers, which attach via a fifth-wheel coupling in the tray of a ute or truck, are financed as standard trailer assets. The higher value of gooseneck units — particularly those with living quarters — is recognised by lenders and funded accordingly. You will also need a suitable tow vehicle rated for the gooseneck's weight.