Equine Finance.
Horses don't fit neatly into a standard loan application. Whether you're purchasing a horse, financing a float, fitting out stables, or covering a vet bill - Co-Pilot Finance & Insurance finds the right structure from lenders who actually understand the equine industry.
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Won't affect your credit score.
What can we help you with?
Our Solutions
Equine finance options - horses, equipment, stables and veterinary care
Buying a horse, upgrading equipment, building stables - each one has a finance product built for it. Here's the range.
Horse Purchase Loans
Purchase loans from lenders who actually understand horses as an asset - competitive rates, repayments that fit.
Equipment Financing
Stable gear, training aids and vet equipment - financed so the setup doesn't drain the operation.
Property Finance for Stables
Stable construction, upgrades and improvements - finance for the infrastructure your horses depend on.
Veterinary Care Loans
Routine care through to urgent treatment - cover the bill now, spread the cost sensibly.
Transport Vehicle Financing
Floats and trucks for moving horses safely - financed for the demands of equestrian work.
Refinancing Options
Already financed? We re-check the rate and terms - small improvements compound over a long facility.
Run The Numbers
Calculate your equine finance repayments
Enter your loan details
Estimated repayment
$637.41 / month
No impact to your credit score
Estimates only, based on the example rate and the figures you enter. Assumes a fixed-rate principal & interest loan over the full term. Your actual rate, structure and repayments will depend on your circumstances and the lender, so get in touch for a tailored quote.
What You Can Finance
What equine finance covers - horses, equipment, property and more
Equine finance can be structured around all the assets and investments that come with owning and working in the horse industry.
Eligibility
Equine finance eligibility - what lenders in Australia look for
Co-Pilot works with specialist equine and rural lenders who understand the unique financial profile of horse owners, breeders, and trainers.
Age & Income
Must be 18 years or older with a stable, documented income or business cash flow.
Credit Score
A reasonable credit history is preferred; Co-Pilot works with a range of lender risk profiles.
Intended Purchase
Details of the horse, equipment, or property you intend to finance.
Business Application
Proof of income or a business application for equine business-related finance.
Why Co-Pilot
Why Co-Pilot for equine finance - lenders who understand the horse industry
We work for you, not the lender
Co-Pilot is an independent broker. We're not aligned with any lender - so the structure we recommend is the one that suits your equine situation, not the one that earns us the most.
Lender relationships that open doors
Our panel includes specialist equine and rural lenders who understand horses as collateral, seasonal income, and the real cost of ownership - products you won't find at a mainstream bank.
Honest advice on structuring across your equine portfolio
Horse purchase, transport, stables, vet care - each has different lender criteria and optimal structures. We map the right product to each need so you're not over-borrowing or under-structured.
Clear communication, no surprises
When a horse is available or a vet bill arrives, timing matters. We move quickly and keep you informed throughout - so you can act with confidence.
Equine finance - how it works
Tell us what you need. We find lenders who understand horses.
We assess your purchase - horse, float, stables, or vet care - along with your financial profile, then match you with specialist equine and rural lenders who understand the industry and won't decline on unfamiliarity alone.
No hard credit enquiry at the comparison stage. Most approvals within 24-48 hours. We handle the complexity so you can focus on the horses.
Hear What Our Clients Are Saying
“I have dealt with several different finance companies and brokers and none have had the high standard and professionalism of this company. Steven and Kristy have gone above and beyond to answer any questions I have had and worked quickly and efficiently to make sure I got the absolute best rates possible. I have no hesitation in recommending this company to anyone as they are just fantastic to work with. Thankyou so much for all your fabulous work and high ethical standards.”
Patricia J
FAQ
Common Questions About Equine Finance
Need finance for a horse, stable, or equipment?
Let's find the right structure.
Tell us what you need. We compare specialist equine and rural lenders to find the right product for your situation.
No impact to your credit score