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HORSE FLOAT FINANCE
Need finance for a horse float?
Many Australians love spending time outdoors with their horse, exploring new territory, or even competing in equestrian events.
Whether you ride competitively or just for fun, you need piece of mind knowing that when you transport your horse, their float is safe & comfortable.
More about Horse Float Finance
In this low interest rate environment, now is the time to invest in a quality horse float.
As horse floats are built by a range of manufacturers, there is a wide range of models, styles, and sizes that can even include the comforts of home with separate living areas, the level of investment in a horse float can vary significantly.
Apart from deciding whether you should buy a new or used horse float, there's also the decision as to whether to buy direct from the manufacturer, through a dealer or from a private seller. 
No matter what the circumstances, AFS provides quick & easy horse float finance at low interest rates.
Whether you are buying your first horse float, upgrading to a newer model or buying for personal or business use, AFS' friendly staff can assist with securing credit approval for a loan or even obtaining pre-approved finance.
With almost 30 years of history of operating as a credible lending institution, don't hesitate to explore the available options for your horse float loan directly with us, or through your finance broker. 
 

Horse Float Finance Essentials

Interest Rates from:

8.45% p.a.* Fixed Rate

9.71% p.a.^ Comparison Rate

  • Borrow between $5,000 to $130,000 for a new horse float
  • A great interest rate: Compare us to your bank
  • Fixed interest rate for the life of the loan so you can budget with confidence
  • Pay as frequently as you like: weekly, fortnightly or monthly. 
  • Choose a term from one to five years.
  • Make extra payments when you like and reduce the amount of interest you pay
  • Ability to purchase your new horse float from any dealer or private seller, so you can shop around for the best deal
  • No restriction on the age of the horse float you want to purchase

* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is greater than $35,000 and where the applicant owns or is buying their home and has an established good credit history. Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Limited – Australian credit licence 383762. ^Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. 

Fixed Rate Loan

from
8.45%
p.a* 

Interest Rate
from
9.71%
p.a^

Comparison Rate

1–5
years

Loan Term
$5,000
to
$130,000

Loan Amount
Weekly
Fortnightly
Monthly
Repayment Frequency

Fees

Fees that will apply on settlement

The following upfront credit fees and charges are payable to AFS on the settlement date of the loan. They are only payable if you proceed with the loan and are included in the amount of credit

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FEE TYPE DEFINITION AMOUNT
Establishment Fee Represents the reasonable cost for AFS to peovide credit to you $395
Credit Search Fee Represents the reasonable cost for AFS to conduct the necessary credit bureau searches per applicant $6.37
Security Registration Fee Represents the reasonable cost for AFS to register our financial interest in the goods $8

The following credit fees and charges are payable to AFS during the term of the loan.

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FEE TYPE DEFINITION AMOUNT
Monthly Administration Fee Represents the reasonable monthly cost for AFS to administer your loan whilst active $10

The following credit fees and charges may become payable to AFS during the term of the loan.

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FEE TYPE DEFINITION AMOUNT
Early
Termination Fee **
Represents the fee that will be payable when you pay out your loan contract in full before the expiration of the term of the loan. The amount of the fee as at the disclosure date if $600 and thereafter the amount of the fee is $600 multiplied by the number of unexpired whole months in the term of the loan at the time this contract is paid out and divided by the number of whole months in the the term of the loan $600 reducing monthly
Dishonour Fee Represents the reasonable cost for AFS to process the dishonour of a loan repayment on each occasion $12
Repayment Book Fee Represents the reasonable cost for AFS to generate and issue a new repayment book on each occassion $35

Fees and Charges disclosed above are current as at 1st July 2018 but may change from time to time. Other fees and charges may be payable. Please review the credit fees and charges detailed in the pre-contractual statement for the specific loan that you have chosen.

* Interest rate (Annual Percentage Rate/APR) is only applicable for new goods that have not been pre-owned, where the amount borrowed is greater than $35,000 and where the applicant owns or is buying their home and has an established good credit history. Finance subject to approval, including the application of applicable lending criteria. Terms and Conditions apply. Fees and Charges are payable. Interest rates vary depending on the applicant's credit score and associated credit risks. Credit provider is Automotive Financial Services Pty Limited – Australian credit licence 383762. ^Comparison rate for AFS Loan Contract and Mortgage is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

** Only applicable for the AFS Loan Contract & Mortgage product. Please read the relevant product Terms & Conditions and pre-contractual statement (if applicable) if you are considering another loan product or lease.

~ If you use a licensed finance broker to assist you apply for credit there may be other fees and charges payable, such as a Finance Broker Fee or Origination Fee. AFS enables you to finance an Origination Fee as part of the Amount of Credit up to a maximum value of $990 including GST. An Origination Fee represents the finance broker's fee to provide credit assistance to you. It is a one off fee that is only payable if you proceed with the suggested credit contract. Under the National Credit Code, a Finance Broker is required to give you their Credit Guide, a Credit Quote and, at the same time as providing credit assistance to you, give you a Credit Proposal Disclosure document which will detail all the fees and charges payable and if any commission will be received by the finance broker.

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Applying for horse float finance online is fast and easy with AFS.

What's more there are no fees or charges payable to apply, even if you're approved! Fees and charges are only payable if you decide to proceed with the loan and these can be financed.

Simply select any "Apply Now" button to get underway.

What to expect

STEP 1

Allow 10 minutes to complete your application online


STEP 2

Once you have submitted the application, you will receive an email notification advising you that we have receive your application and commenced the assessment process


STEP 3

You will also receive a number of disclosure documents by email. Please read these and save them for future record


STEP 4

We will respond to you within 2 working days:

  • To advise you of the application outcome once we have assessed your application and  verified all the information you have supplied
  • To obtain further information in order for us to complete processing your loan

STEP 5

If you don’t have all the information you need you can save a partially completed application and return to it, within 14 days, to complete the required information. We will issue you a secure login and password to the email address you supply us.


Understanding more about Horse Float Finance & Loans

Am I able to get finance for a horse float?

Yes. Unlike most banks and other lenders, AFS does not have a restriction on financing horse floats. Either directly or through accredited finance brokers, we have financed most of the various types of horse floats that Australian's purchase to transport their horses including:

  • Straight loads;
  • Extended loads;
  • Angle loads;
  • Gooseneck;
  • Trailers;
  • Warmblood;
  • Weekenders; and
  • Custom-built horse floats.

 

Yes. AFS will finance all makes of new & used horse floats including, but not limited to, the following Australian manufacturers:

  • Discovery Floats;
  • Equiluxe Horse Floats;
  • Equus Trailers;
  • Imperial Floats;
  • JR Easy Traveller;
  • Kara Kar Horse Floats;
  • Olympic Trailers;
  • Otto Tuza;
  • Pegasus Floats;
  • Pinnacle Horse Floats;
  • Rowville Horse Trailers;
  • Stephen Jays Floats;
  • Tuza

and many more makes.

AFS enables you to borrow between $5,000 and $130,000 depending on our assessment of your capacity to repay and current circumstances. Loan terms range between 12 months and 60 months and we can even finance your insurance so that you know your horse float will be covered at all times. 

No. The same fees and charges apply to a car loan for an imported vehicle with AFS as all standard loans.

 

To learn more about our fees & charges go to:

AFS Fees & Charges

Am I able to get pre-approved horse float finance?

Yes. AFS understands that finding the perfect horse float can take time, particularly given the level of investment required to get the right float or trailer.

To assist you in establishing your budget, AFS can provide a qualified approval, referred to in the industry as a "Pre-Approval".

This enables you to shop with confidence knowing that your funds have been approved and means you can act quickly once you've found the horse float of your dreams.

 

Yes. Unlike the asset finance divisions of most banks and lenders, AFS does not have a restriction on financing any particular make or model of horse float or have an age restriction.

So whether you're in the market for a new or used horse float, buying from a private seller or dealer, or its use is business or pleasure, AFS has friendly staff that can assist make the process of financing your horse float a joy.

Yes. The AFS Horse Float Loan product is used extensively by finance brokers as many of the mainstream asset finance lenders will often only lend on cars, boat and motorcycles.

Also if you were to arrange a loan through your bank, the relevant product is generally an unsecured personal loan which is often more expensive than their standard secured loan product.

Please note that if you use a finance broker you may be charged an origination fee which is separate to the AFS Fees & Charges but can also be financed as part of your loan. If you use a broker, you should ask for a copy of their credit guide and obtain a credit quote from them.