Horse trailer financing on its own terms.
A trailer built to haul what you actually have — financed on its own fixed-rate terms, separate from the animal it carries and free of the dealer’s marked-up in-house financing.
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.
- A bumper-pull or gooseneck horse trailer
- A living-quarters or weekender trailer
- A stock or combination livestock trailer
- A private-party trailer purchase paid from your account
Why a Lightstream loan.
Financed on its own terms
A trailer is a distinct purchase from the horse. A dedicated fixed-rate loan keeps it separate and priced on your credit, not bundled into a barn or seller arrangement.
Skip the dealer markup
Trailer dealers offer in-house financing at their own rate. Arriving with your own loan turns the purchase into a cash transaction and removes the markup.
Buy new or private
Funds in your account work at a dealer or a private seller’s farm alike, so you can find the right trailer rather than settle for the one with financing attached.
No lien to release later
Unsecured means no title lien to clear when you upgrade or sell, and no prepayment penalty if you pay it off ahead of schedule.
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 living-quarters or weekender trailer is simply a higher-value purchase, so you would borrow more — potentially toward the program ceiling shown in the calculator. Because the loan is unsecured, the trailer’s configuration does not change how it is underwritten.
They can be, but many buyers keep them separate — the trailer here and the horse under its own purpose — so each is sized and paid on its own timeline. Because funds go to your account, either approach works; it is a matter of how you want to track them.
Yes. Funds are deposited to your account, so a private-party trailer purchase works like a dealer sale — you pay the seller directly and transfer the title with them as a cash buyer.
It is worth comparing, but dealer in-house financing is typically marked up and may bundle add-ons. Getting your fixed rate from the calculator first gives you a clean number to hold the dealer’s offer against.
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.