{"id":43051,"date":"2025-11-18T02:05:31","date_gmt":"2025-11-18T07:05:31","guid":{"rendered":"https:\/\/www.ehorses.com\/magazine\/?p=4944"},"modified":"2025-11-18T02:05:31","modified_gmt":"2025-11-18T07:05:31","slug":"loan-horses-top-insider-tips","status":"publish","type":"post","link":"https:\/\/www.ehorses.com\/magazine\/loan-horses-top-insider-tips\/","title":{"rendered":"Loan Horses: Top Insider Tips"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]In this article, we take a look at the pros and cons of having a horse on loan. You may have reached the point where you\u2019ve made a commitment to riding and are wondering whether the next logical step is a horse or pony of your own. It\u2019s a big step! Perhaps you\u2019ve already thought about another possibility: having a horse on loan. Here are some tips to help you decide whether it\u2019s right for you or not.<\/strong><\/p>\n

Having a loan horse can be a great introduction to horse ownership. It can work to the benefit of the owner as well as the person who takes the horse on loan. There\u2019s a lot more to it than just going for your weekly ride at a riding school, though. It\u2019s a big commitment in terms of time and finances. Plus, you may not be able to follow your other interests. You can\u2019t opt-out of caring for your loan horse and doing something else instead. You\u2019ll need to be there for your horse or pony just as if you were the owner. Before deciding to go ahead, be honest with yourself and ask: \u201cAm I ready for this commitment?\u201d<\/p>\n

You need to be realistic about the amount of money and time it takes, every single day of the year, to care for a horse. Depending on the management system of your horse, you\u2019ll need to allow for a minimum of two to four hours each day. A lot of that time will be spent in basic horse care, rather than riding around with the wind in your hair like they do in the movies. There might be a load of mud to brush off, for a start. Or the water tap might be frozen in winter and need defrosting before you can fill the water buckets. Having a loan horse is as big a responsibility as one of your own, and the horse\u2019s owner needs to be sure their horse is in the right hands.<\/p>\n

Be realistic<\/h2>\n

When you go to see a potential loan horse, always be realistic about your riding skills. If you\u2019re looking for a happy hack to hit the trails with and have fun, say so. If the horse is a sports horse, the owner will probably be looking for someone who can maintain their fitness and training schedule, perhaps compete with it at its current level. However much you\u2019ve fallen in love with the horse at first sight (it happens, trust us!) if you\u2019re not capable of relating to it properly and giving it the work and attention it needs, things aren\u2019t going to end well for any of you. Ask yourself \u201cWhat does this horse really need?\u201d and make sure you\u2019re being truthful about your capabilities. Getting the right skills and experience match is critical.<\/p>\n

So you think you\u2019ve found the right loan horse and want to take it further? Remember, you\u2019ll be responsible for your horse seven days a week and if anything happens, it will be your number that\u2019s called. Things can and do go wrong; illness and accidents for instance. That\u2019s often a point of dispute between owner and the person who has the horse on loan. It\u2019s even been known for loan horses to end up in foal, by accident \u2013 now that can lead to arguments!<\/p>\n

How much does it cost to keep a horse on loan?<\/h2>\n

This depends on the agreement, but mostly the person who has the horse on loan will be responsible for livery or stabling costs, shoeing or foot care, and at least some of the feed costs. Some agreements will expect the loaner to take on the insurance and veterinary costs, including vaccinations and worming. Keeping a horse at grass without a stable is often cheaper, but it\u2019s inconvenient if the horse is ill or needs to be kept inside for some reason. Most people with a horse on loan won\u2019t have much change from 500 \u20ac\/\u00a3450 each month. It may cost even more. Can you afford this along with all your other outgoings? Have you got financial reserves if something goes wrong?<\/p>\n

How can I get a horse on loan?<\/h2>\n

If you\u2019re a serious rider with a proven track record and lots of potential, sometimes an owner may approach you directly. (It doesn\u2019t happen often though!) If you\u2019re riding regularly at a riding stable that also boards horses, the best thing to do is go as often as possible and stay alert to the possibilities. Perhaps offer to help one or two of the owners. Let people know that you\u2019re looking for a horse on loan. Put up an ad on the bulletin board if there is one and include your phone number because some people prefer to chat rather than message.<\/p>\n

There are many classified ad opportunities, so make use of them. Our ehorses advertising options are a proven way to find a good match. Whichever way you advertise, be honest and realistic about your skills and ambitions. It\u2019s a great opportunity to exercise your networking skills.<\/p>\n

First impressions count<\/h2>\n

This holds good for both owner and loaner! If you\u2019re looking for a horse on loan, it pays to dress tidily and be knowledgeable and friendly. There\u2019s no need to look as though you stepped out of the latest equestrian clothing catalogue, but you do need to give the impression, truthfully, that you\u2019re reliable and committed. Also, that you won\u2019t prefer to spend your time practising your couch potato skills in front of the TV while Thunder is shivering in the rain waiting to be fed.<\/p>\n

Equally important, how does the horse look, as well as the place on which it\u2019s kept? Will it have to stay there? How much feed does it need, and does it have supplements? Is it healthy and are its feet in good condition? Basically, you need to check everything as you would if you were actually buying the horse. Do you and the owner get along well? This is so important. If the chemistry isn\u2019t right, however right the horse seems, it\u2019s unlikely to work out.<\/p>\n

Trying out your loan horse<\/h2>\n

Again, trust your instincts and if you\u2019re not happy about something, politely make it clear you don\u2019t want to carry on. Take a friend or your riding instructor if you can so they can observe what happens objectively.<\/p>\n

Before you ride, spend time just watching the horse in its stable or field and ask if you can handle it, lead it around and groom it. How does the horse react to you \u2013 is it pushy, friendly or nervous? Does it look healthy and relaxed? Ask lots of questions. If you decide to go ahead, then a second visit where you take notes may be a good idea or ask your friend to do this for you. Take good note of what the owner says about their horse\u2019s quirks. A second visit and another ride is also always sensible.<\/p>\n

Tack the horse up yourself in the way you usually would. Is the owner happy with how you do things? Ideally, you need to try the horse both in an arena and outside. Do you feel confident or a bit uneasy? It takes time to get to know a horse and you\u2019re not going to understand one another right away. Ask the owner how they feel about it and how you and the horse look together. If they\u2019re a good owner, they\u2019ll understand that it takes time to bond and give you more opportunities to do that.<\/p>\n

Do I need to have the horse vetted?<\/h2>\n

If you\u2019ve taken along a knowledgeable friend or trainer, then ask them whether they can check the horse over, with the owner\u2019s permission of course. They may spot something you\u2019ve missed. If you are planning to compete at an advanced level, then it would make good sense to have the horse vetted as well. If you\u2019re taking the horse on as a \u201cloan with a view to buy\u201d then yes, definitely have it vetted at this stage. A vet check will look at the horse\u2019s overall health and fitness and test its stamina, heart, legs, lungs and so on. This will help to prevent issues with the current owner if something goes wrong.<\/p>\n

What does the loan agreement need to include?<\/h2>\n

If you are planning on a part loan or share, this could include how many days a week you will be responsible for the horse. How does this fit in with your school, university or work? How much can you afford? What will happen during the holidays or if you are ill? Plan for worst-case scenarios \u2013 what if you lost your job?<\/p>\n

Keeping a horse for pleasure riding is a different commitment from keeping a horse to compete, which requires much more time and investment. There will be additional costs such as transport, clothing, additional training and so on. Can you afford to keep up with your riding lessons when you have a horse to look after?<\/p>\n

Costs also vary according to whether the horse is on full livery (that is, looked after by the farm, yard or stable on which it is kept) or on a DIY basis. DIY is cheaper but more time-consuming so you may have less time for riding. A lot depends on what the current owner would like you to do. Again, be realistic. Can you keep the horse up to the owner\u2019s standard? Have a \u201cPlan B\u201d for a change in circumstances.<\/p>\n

The bottom line is, don\u2019t go ahead unless you are completely confident financially and in terms of your skills. See if you can negotiate a month or three-month trial before committing to the longer term.<\/p>\n

This is the one! Do I need a contract?<\/h2>\n

Yes, it\u2019s always sensible to get what you\u2019ve agreed with the owner in writing. Drawing up a proper legal contract is a good idea and there are plenty of examples out there on the internet. You can customise your own of course. Still unsure? Get a legal professional to check it out. They may spot things you\u2019ve missed. For a relatively small price, you\u2019ll get additional legal security if things should go wrong.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"[vc_row][vc_column][vc_column_text]In this article, we take a look at the pros and cons of having a…","protected":false},"author":114,"featured_media":4945,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[161],"tags":[177],"class_list":["post-43051","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-equestrianism","tag-horse-riding"],"yoast_head":"\nLoan Horses: Top Insider Tips - ehorses Magazine<\/title>\n<meta name=\"description\" content=\"In this article, we take a look at the pros and cons of having a horse on loan. 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