Buy now pay later horse tack

Financing Available

We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase over time.

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

Check your rate in seconds without leaving our site

GET MY RATE

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Financing Available

We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase over time.

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

Free delivery on most products

Across the US

Check out our reviews!

We let our customers speak for themselves :)

Top-notch support

We love to chat! Send us a message

Shop Now, Pay Later

4 interest-free payments with Sezzle

Affordable Western Saddle and Tack Set (Starter Kit)

Free delivery on most products

Across the US

Check out our reviews!

We let our customers speak for themselves :)

Top-notch support

We love to chat! Send us a message

Shop Now, Pay Later

4 interest-free payments with Sezzle

Coolhorse proudly offers 2 financing options for your large purchases such as saddles and roping machines: GreenSky Financial- 12 month Interest Free Financing and PayPal’s “Bill Me Later” program- 6 month interest free financing.

1. For any purchase of $500 or more, the GreenSky option of 12 Months Interest Free Financing (WAC) may be the one for you. Make payments over 12 months on saddles, roping machines, or any purchase totaling $500 or more!! Applying only takes approximately 120 seconds! Keep in mind that after the 12 month mark there will be interest charged from the original purchase date if you have not paid off your loan in full. Also, on any saddles purchased with this option, our 14 day return policy is still in effect. A full refund will be issued if the saddle is not 100% what you are looking for.

Click here to learn more about 12 Month GreenSky financing through Coolhorse

2. For any purchase of $99 or more and 6 Month Interest Free financing, the PayPal "Bill Me Later" option may be of interest. If you want more than 6 months to pay for your purchase, that's an option as well. Just keep in mind that after the 6 month mark there will be interest charged from the original purchase date.

Click here to learn more about this PayPal program.

We offer several financing options on items over $500. To apply for financing, click here.

Extended Purchase
12, 18, 24, 30, and 36-month financing on items over $500. Credit worthy customers may choose any of 5 payment plans. Matching equipment may be included. The annual percentage rate varies from 12.9% to 14.99% depending on the terms of the plan. There is a $35 initial non-refundable processing fee. Any down payment reduces the amount to be financed.

Lease
Practically all our English and Western saddles are available for a 1- or 2-year lease. At the end of your lease, you have the option to purchase the saddle. The first month's payment and processing fees are due at signing.