Horse Trailers for sale | Horsemart (2024)

FAQs

What credit score do you need to buy a horse trailer? ›

What credit score is needed for horse trailer financing? Credit score requirements vary depending on the type of loan and lender, but in most cases you should have a 620 or better, and a low debt-to-income ratio. In addition to credit score, there are other determinants that may impact eligibility.

Why are horse trailers so expensive? Expense reflects features, quality, safety attributes, materials, and custom options. Trailer class, type, and layout also influence pricing. A basic 2-horse bumper pull differs vastly from a customized 4-horse living quarters gooseneck model.

A typical three horse bumper pull trailer with a dressing room weighs around 4,100 lbs. A three horse gooseneck trailer weighs around 5,300 lbs. And a three horse gooseneck trailer with living quarters can weigh anywhere from 7,900 lbs to 9,000 lbs or more, depending on the size of the living quarters area.

Some institutions offer loan terms as high as 15 to 20 years for horse trailers. 10. Before signing on the dotted line, read the fine print and don't let yourself get pressured. If necessary, take the loan paperwork home for review.

Slant Load: Advantages

Since the dividers are pushed to the sides and the rear entrance is spacious, it looks more inviting than a straight load; consequently, horses are usually easier to load. Horse can be turned around and led out head first. Removable dividers make the trailer easier to customize to your needs.

Goosenecks, like fifth wheel travel trailers, are more stable than bumper towed trailers, safer to drive, and easier to maneuver. Gooseneck trailers will have room for horses in the back and most will include an area for tack in the front, and in some cases, saddle racks.

With proper maintenance, an enclosed trailer can last 20 years or more. Stock trailers are designed for transporting livestock, such as cattle, horses, and sheep.

Observe your horse's behavior during loading and transportation. Some horses prefer more open spaces, while others feel more secure in a more enclosed environment. Consider your horse's preferences when choosing between a straight load, slant load, or other trailer configurations.

How to check the value of a horse trailer? ›

Determining Value

Start by researching prices on comparable quality trailers of the same or similar age and use in classified ads. This will help you get an idea of the state of the market. Dealers typically knock off 10 to 20 percent of a trailer's resale value in exchange for assuming the risk of the selling process.

Enough room, light, ventilation, and safety in design. The horse should have enough room and light to feel comfortable. A dark interior may cause him to balk when loading because horses' eyes do not adjust quickly to light changes, and walking from daylight into a small dark trailer can be frightening.

Load horses on the driver's side when transporting a single horse in a straight-load trailer. If you're trailering two horses, load the heaviest one on the driver's side.

The average 4-horse trailer is about 36 ft. long and approximately 7 ft. 8 in. tall, although the optimal height and length will depend on the size of your horses.

A horse trailer designed to transport one or two horses typically weighs between 2,300 and 3,900 pounds. With horses and cargo loaded, this number increases. The average empty weight of a horse trailer is about 2,900 pounds. When loaded up, small horse trailers max out at 7,000 or 8,000 pounds (GVWR).

If your credit score is in the 500 to 650 range, there are lenders who will help, but you'll likely have a higher interest rate. If you would like to increase your credit score, work toward paying off existing debt, and make other credit or loan payments on time.

You will typically need a credit score of at least 680 to get approved for an RV loan. The higher your credit score, the lower your interest rate will be, which will save you money over the term of the loan.

Truck Specs for Pulling a Horse Trailer

It's over-simplifying to say a half-ton truck (like the Ford F-150, Ram/Chevrolet/GMC 1500, and others) is always fine for a two-horse trailer. That's because the same model and year truck can have a different engine size, transmission, rear axle ratio and wheelbase.

Horse trailer loans are a great way to improve your credit score if paid on time. We can offer up to a 240-month amortization on eligible trailers. Selecting a longer-term loan with lower payments is usually a good idea, as you can always pre-pay and over-pay if you want.