What does it mean to loan a horse?
Loaning a horse means you’re entering a formal arrangement where the owner allows someone else to care for and ride their horse under agreed terms.
The big thing to remember is that although the loanee doesn’t own the horse, they usually take on many day‑to‑day responsibilities such as feeding, grooming, exercise and sometimes most or all care costs. For owners, it’s a way to share the load without selling. For riders, it’s a stepping stone towards ownership without the upfront purchase cost. For the horse, it can mean more consistent interaction and a happy routine.
Types of horse loans
Full loan
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A full loan feels very similar to horse ownership. The loanee takes on the daily care, financial responsibility and decision‑making, which is why many horses on full loan move to the loanee’s chosen yard. This option suits riders who are confident managing a horse’s full routine including feeding schedules, care appointments such as the vet and farrier, turnout and general wellbeing. It’s also a popular choice for riders who want more independence and freedom to care for a horse without buying outright.
Part loan
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Part loaning (or sharing) is more flexible. The loanee typically looks after the horse on agreed days, which makes it perfect for people who want regular riding but can’t commit every day and to share costs. It’s common for the horse to remain at their current yard.
Permanent loan
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A permanent loan continues indefinitely, as long as the horse remains well cared for and the arrangement works for both parties. Owners often choose this option for outgrown ponies, older horses who are still fit and healthy enough to be ridden or horses stepping down from a busy career. A permanent loan gives the horse a secure, long‑term home, while the owner keeps legal ownership.
How to set up a horse loan agreement
Creating a clear and thorough written agreement is the foundation of a successful loan. Detailing specific responsibilities, any activities the horse mustn’t be used for and methods of keeping the owner updated will help set expectations and prevent misunderstandings. We strongly recommend using a written contract and not beginning the loan until everything’s agreed and signed.
Our sample loan agreement
You can use our sample loan agreement as an easy, helpful template to confirm your own arrangement. It’s created with welfare and clarity in mind, making sure the important details are covered in a way that feels manageable rather than overwhelming. It's free to download, and if you've found it useful, we'd be grateful for a donation to help us continue creating resources like this and supporting horses and owners across the UK.
Costs - what does it cost to loan a horse?
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Even though there’s no purchase price, the ongoing responsibilities are very similar to ownership. In a part‑loan, you’ll often contribute an agreed amount to cover the costs of caring for the horse. In a full or permanent loan, you may take on the majority, if not all costs. Having an honest early conversation about finances helps avoid stress later.
Costs may include:
- Livery
- Feed and supplements
- Bedding and forage
- Risk-based worm control
- Farrier visits
- Dental care
- Vaccinations, most often equine influenza and tetanus, and routine vet checks
- Rider liability and veterinary insurance
- Transport costs
- Saddle fitting checks and maintenance.
Insurance - what insurance do I need for a loan horse?
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Insurance is an important consideration when loaning a horse. Public liability insurance is essential because the loanee is considered the horse’s “keeper” and may be liable if the horse causes damage or injury. Depending on your agreement with the owner, many loanees choose to insure for vet fees to protect against unexpected bills in full or permanent loan situations. Owners may ask to see proof of insurance before the horse leaves their care. This is perfectly normal and reassuring for both sides.
Disputes - how to handle problems during a loan
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Even with the best intentions, issues can arise, often around standards of care, unexpected health problems or unclear responsibilities. The best protection is a well‑written agreement that sets out exactly who does what.
If disagreements become serious, it’s usually classed as a civil matter and independent advice may be needed. Our Gold members have access to a free legal helpline, which can provide guidance on issues relating to horse ownership, loan agreements and disputes.
Keeping communication open, friendly and regular helps catch problems early, before they grow.
Duration - how long can a horse be loaned?
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Loan periods can be flexible; some last a few months while others continue for years. Some owners prefer a short trial period first to make sure everyone (including the horse) is comfortable. Whether you choose a fixed term or an open‑ended arrangement, put it in writing so both sides know what to expect.
Signatures - who needs to sign a horse loan agreement?
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Both the owner and the loanee should sign the agreement and each should keep a copy. We recommend, where possible, having the agreement checked by a legal professional, especially if the loan involves specific care needs or valuable equipment.
Gold members can make use of the free legal helpline for guidance and advice on completing the agreement for their specific circumstances.
Passports and microchips
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The horse's passport must always stay with the horse. If a horse moves to a new yard as part of a loan arrangement, the passport should go with them, and owners may wish to keep a photocopy for their records. If the owner is concerned about any future requests to update the ownership in the passport, they must contact their Passport Issuing Organisation (PIO) to discuss and ask to be contacted prior to a change of ownership being authorised.
It's also important to make sure the horse's microchip details are up to date and correctly registered with the relevant PIO.
Before agreeing a loan, potential loanees should check that the horse is accompanied by a valid passport which includes making sure the person loaning the horse is the registered owner. Any passport that has been issued outside of the UK should also have been overstamped by a UK PIO to make sure it’s in-line with the law.
Tips for owners when loaning a horse
Loaning out your horse can be emotional, you’re trusting someone else with your companion. These simple steps help make the transition smooth:
- Take time choosing the right person: Ask for references and talk openly about expectations. Strong communication at the start leads to happier partnerships.
- Visit the yard: If your horse is moving, visit the yard the loanee would like to keep them on. Look at stables/housing, grazing, fencing and general safety. Make sure the routine suits your horse’s temperament and needs.
- Share all relevant information: Be upfront about behaviours, medical history and what activities you don’t want your horse doing. Being transparent protects everyone.
- Stay involved: Keep in touch and arrange visits. Most loanees welcome regular check‑ins and this is important as owners still have a duty of care for their horse’s welfare when they’re out on loan. It also shows you care and helps create a positive relationship.
Tips for riders taking a horse on loan
For loanees, a loan can be a dream come true, but it’s important to understand the commitment:
- Think carefully about time and routine: Horses thrive on consistency. Make sure your weekly schedule allows for the care you’re agreeing to take on.
- Budget realistically: Many new riders underestimate how quickly costs can add up. A clear budget helps make sure the loan remains enjoyable and limits any potential stressful situations.
- Meet the horse several times: Try grooming, riding, leading and handling in different situations. Don’t rush — finding the right match makes all the difference.
- Ask lots of questions: Owners usually appreciate thoughtful questions because it shows you’re genuinely invested in the horse’s welfare.
- Sort your insurance and understand your responsibilities: Being prepared builds trust and keeps you protected.
