When it comes to taking out a loan on a horse trailer, the amount of time you can go for depends on several factors. Generally speaking, the maximum length of a loan for a horse trailer is seven years. However, this does depend on what your lender will approve. If you have excellent credit and are able to provide plenty of documentation about your assets and income stability, then it’s possible that you could get up to an eight or even nine-year loan from some lenders. On the other hand, if your credit score isn’t great or if you lack sufficient proof of income or savings then most standard lenders won’t extend any more than seven years when it comes to financing a horse trailer purchase. Additionally, keep in mind that interest rates may vary depending upon how long the term is and how much money you borrow so make sure that you research different options beforehand in order to find the best deal available.