Representative example

Borrowing £7,500 over 4 years with a representative APR of 27.4%, an annual interest rate of 27.4% (Fixed) and a deposit of £0.00, the amount payable would be £246.43 per month, with a total cost of credit of £4,328.83 and a total amount payable of £11,828.83.
Rates may differ as they are dependent on individual circumstances. Subject to status.

Switcha is a broker and not a lender

About Switcha Equine Finance

Purchasing a horse, whether it be as a pet or as a business investment, can be a costly and uncertain venture for many. Even if you own horses already, arranging finance can throw up pitfalls that can have you stumbling at the first fence if you are unprepared.

Part of the extensive Switcha Network, our team of experts are on hand to help you through the process as quickly and painlessly as possible, with access to a range of financial options that will best serve your needs and budget and put you in the perfect bargaining position.

Most asked questions

What if I have been refused finance in the past?

No one can guarantee acceptance, but we will take into consideration all your circumstances when processing your application. Even those with less than perfect credit ratings may be accepted, and we have the experience and the network to help. So, don’t be embarrassed about applying, even if you have County Courts Judgements against you or you have been declared a bankrupt in the past. Give us a call and see what we can do.

Will it affect my credit rating?

In the first instance your application will be followed by what we call a soft credit search. This will not be accessible to other lenders and so, if it is decided not to move forward with your application, no recorded or hard checks will be left against your credit file. That being the case, your credit score will not be affected.

In the event of a successful application though, the finance company will carry out a more detailed search of your credit history. It is important therefore that your application is completely transparent and that you don’t omit any important details that could have a bearing on your application. Failure to divulge any relevant information at this stage could result in credit refusal and unnecessary searches, which could have an impact on any future applications.

At the end of the day we are here to help you, so don’t hold back.

I want to buy a horse, but where do I start?

If this is your initial foray into owning a horse, take some advice from wiser heads in the first place. Check out online forums and websites, inquire about sales at local riding schools and stables and, if you find a horse that fits your bill, don’t be afraid to take it for a test ride. Once you have decided on your animal we also recommend that you have a full veterinary check carried out before you part with your money.

Need some help?

The opening hours are 9am–8pm Monday to Friday, 9am–6pm Saturday and 10am–6pm Sunday and Bank Holidays.

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