Horse financing that makes you a cash buyer.
The purchase price, transport, and a pre-purchase vet exam, financed at a fixed rate instead of a payment plan arranged with the seller — funds in your account so you buy as a cash buyer.
Fixed rates from
10.49%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- The purchase price of a sport, pleasure, or working horse
- A pre-purchase veterinary exam and imaging
- Professional transport to your barn
- Initial board, tack, and first farrier and vet visits
Why a Lightstream loan.
Buy as a cash buyer
A confirmed cash position matters with a serious seller. Funds in your account let you agree a price and pay directly, rather than negotiating a seller payment plan.
Cover the vetting, not just the horse
A pre-purchase exam is essential and adds up. One loan can cover the horse, the vet check, and transport, so the whole acquisition is funded in one place.
A fixed payment, no seller terms
Seller or barn financing carries whatever terms they set. A fixed-rate loan is priced on your credit and keeps the payment steady and independent.
No lien on the animal
Unsecured means the horse is not collateral — no lien, no security agreement, and no prepayment penalty if you clear the balance early.
Loan amounts and terms.
- Loan amounts
- $3,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 10.49%–21.49% | $324.98/mo |
| 4 years | 11.29%–22.29% | $259.87/mo |
| 5 years | 12.19%–23.19% | $223.41/mo |
| 6 years | 12.19%–23.19% | $196.49/mo |
| 7 years | 13.29%–24.29% | $183.50/mo |
| 10 years | 13.29%–24.29% | $151.03/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
Yes. A serious purchase usually includes a pre-purchase veterinary exam with imaging and professional transport, both of which can be significant. Because funds go to your account, one loan can cover the horse, the vetting, and shipping to your barn.
No. The loan is unsecured, so the horse is not pledged and there is no security agreement or lien. That keeps ownership clean and means there is nothing for a lender to claim if you sell the horse later.
Yes. Funds in your account make you a cash buyer whether you are purchasing privately, through a trainer, or at a sale — you pay the seller directly and handle the transfer of ownership documents with them.
The loan can include initial board, tack, and first farrier and vet visits as part of the amount you borrow. Recurring monthly board is an ongoing expense better handled from income, but the setup costs of bringing a horse home can be financed here.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.