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
Every asset has its own page: how lenders treat it, what buyers specify, the questions people ask, and what we have actually funded.
| Asset | What it covers | Page |
|---|---|---|
| 3.5 tonne horsebox | The most popular size of horsebox in the UK, and the one where payload, build weight… | Read the guide |
| 7.5 tonne horsebox | The working size for serious competitors: room for three or four horses, proper living accommodation, and… | Read the guide |
| HGV horsebox | Large horseboxes above 7.5 tonnes are effectively commercial vehicles with living space, and they are underwritten… | Read the guide |
| luxury horsebox | Bespoke boxes with full living accommodation are a different proposition again, both to buy and to… | Read the guide |
| horse trailer | Trailers are the entry point to travelling horses, and although the values are lower than a… | Read the guide |
| used horsebox | Age alone rarely stops a horsebox being funded — what stops it is an unknown floor,… | Read the guide |
| horsebox conversion | Converting a van or lorry into a horsebox is common practice, but funders draw a hard… | Read the guide |
| competition horsebox | A box that travels to twenty events a season is a working tool, and funders assess… | Read the guide |
| horsebox re | If your box is sitting in the yard paid for, the value in it can often… | Read the guide |
| private sale horsebox | Word of mouth sells more horseboxes than any forecourt, but a private purchase brings a much… | Read the guide |
| two horse trailer | The standard double trailer is the most common way to travel horses in Britain, and the… | Read the guide |
Been turned down before? Horsebox finance with bad credit — what lenders actually look at.
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
Asset finance is quoted on a flat rate, so that is what the buttons show, with the equivalent APR beside it. Your exact rate depends on the asset, the term, the deposit and the lender.
Prime is an established, profitable business with clean credit. Specialist covers newer businesses and credit that needs explaining — the asset itself carries part of the risk, which is why finance is often available where an unsecured loan is not.
Representative example: on Hire Purchase, borrowing £25,000 over 48 months at a 5.15% flat rate (equivalent to 9.9% APR representative), you would repay around £628 a month; total amount repayable approximately £30,150, of which £5,150 is the cost of finance. 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 will receive a commission from the lender that funds your agreement. All finance is subject to status, affordability and lender approval.
Rates shown are indicative flat rates with the equivalent APR alongside — the two are not the same number. Indicative only and does not constitute a quote or an offer of finance. Subject to status and lender approval.
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 0333 772 4864 · serving Leeds, York, Harrogate, Wakefield, Selby, Tadcaster & across North & West Yorkshire.
Machines we fund
110 machines named across 11 types of Horseboxes & trailers. This is not a restricted list — it is what we are asked for most often. If the machine you are buying is not here it almost certainly still funds: your supplier quote is what the agreement is written against.
3.5 tonne horsebox finance10
7.5 tonne horsebox finance10
HGV horsebox finance10
luxury horsebox finance10
horse trailer finance10
used horsebox finance10
horsebox conversion finance10
- Mercedes-Benz Atego 816 chassis
- Mercedes-Benz Atego 1523 chassis
- DAF LF 180 chassis
- Iveco Eurocargo 75E chassis
- MAN TGL 8.190 chassis
- Fiat Ducato Maxi chassis cab
- Renault Master chassis cab
- Volkswagen Crafter chassis cab
- Coachbuilt horse area and partitions
- Living area fit-out and habitation kit
- All horsebox conversion finance →