Horsebox & Horse Trailer Finance
From a 3.5t box to a full HGV competition lorry — funded by a broker who has arranged them before and knows what they are actually worth.
- Whole-of-market — 60+ lenders searched
- All credit histories considered
- Decisions in as little as 24 hours
Whole-of-market — 60+ lenders searched, including
Horsebox finance sits awkwardly between vehicle lending and equestrian specialism, which is why a lot of applications get priced badly or declined by lenders who do not understand the asset. We have arranged funding on horseboxes from the leading UK manufacturers, and we know which lenders value them properly rather than treating a coachbuilt box as a standard van. Whether you write it horsebox finance or horse box finance, and whether you are after hire purchase or a horsebox loan, we can place it.
What you can fund
3.5t horseboxes
The most popular size — new, used or bespoke build.
7.5t & HGV boxes
Competition lorries with living, for professional yards.
Bespoke builds
Funding secured early to hold a coachbuilder’s build slot.
Horse trailers
Two-horse through to multi-horse and living trailers.
Used horseboxes
Private sale or dealer, with values assessed properly.
Yards & transporters
Commercial equestrian businesses and riding schools.
Why horsebox finance needs a specialist
A horsebox is a coachbuilt conversion on a commercial chassis. The base vehicle depreciates like a van; the conversion behaves nothing like one. A well-built box from a respected maker holds its value remarkably well and can be worth more than the chassis suggests a decade later.
Lenders who price on the base vehicle alone get that wrong, and quote terms that make no sense. Lenders who understand the equestrian market price the finished article. Knowing which is which is most of the job.
3.5 tonne horseboxes
The 3.5t box is the most common request, because it can be driven on a standard car licence by anyone who passed their test before 1997, or with the appropriate entitlement since. Payload is the perennial issue — a well-specified 3.5t box is close to its limit with two horses aboard, which is why build quality and weight matter as much as price.
7.5 tonne and HGV competition lorries
Serious competition and professional yards move up to 7.5t or full HGV boxes with living accommodation. These are substantial assets, frequently six figures, and they are usually kept for many years — so longer terms are appropriate and generally available from the right lender.
Top-end and bespoke builds
We have arranged finance on boxes from the leading UK coachbuilders, including bespoke builds specified from scratch. A build slot often has to be secured with a deposit long before the box is finished, so funding needs to be lined up early rather than at handover. Tell us the build timeline and we will work to it.
Horse trailer finance
Horse trailer finance covers everything from a standard two-horse trailer to larger multi-horse and living-accommodation trailers. Values are lower than a motorised box, so terms are shorter, but trailers hold value well and fund easily.
Private owners and commercial yards
We fund both. A private owner is assessed on personal affordability; a commercial yard, competition rider, transporter or riding school is assessed as a business, which can open up better terms and different tax treatment. Say which applies and we will approach the right lenders.
How it works
Tell us what you need
One quick conversation about the asset and how the repayments need to work.
We search 60+ lenders
As an independent broker we find the right structure and rate — not one lender’s products.
You get funded
Indicative decisions in as little as 24 hours, then we manage it through to payout.
Estimate your repayments
Hire Purchase illustration at a representative 8.9% APR — a quick guide only; your actual rate depends on the asset, term, deposit and lender.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a representative 8.9% APR, you would repay around £617 a month; total amount repayable approximately £29,610. This calculator is for illustration only — it is not a quote or an offer of finance, and the rate and repayments you are offered will depend on the asset, term, deposit and your circumstances. CW Asset Finance is a credit broker, not a lender, and may receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval. CW Asset Finance is an Appointed Representative of Rural Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 630701).
Frequently asked questions
Can I get horsebox finance as a private owner?
Can I finance a used horsebox?
Can finance be arranged before a bespoke box is built?
What terms are available on a horsebox?
Do you finance horse trailers as well as horseboxes?
Can I finance a horsebox with adverse credit?
Do you cover my area?
Get your quote
Tell us what you’re looking to fund and Conor will come back to you personally — usually the same day.
Prefer to talk? Call 07581 364281 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.