Horse Barn Financing

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horse barn loans

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Making our horses comfortable in all weathers is an expensive but necessary undertaking, especially if you want to add stables, a storeroom, and other amenities. If you don’t have the cash to pay for the build, you’ll need to find horse barn financing to help fund the build.

Applying for horse barn financing is fast and easy:

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After your loan is approved with the lender of your choice, receive your funds as fast as 1-2 business days.

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Can you finance a horse barn?

Yes, there are several ways that you can finance a horse barn, all providing you with the money you need to build a barn, whether it is for personal use or business use. Typically, horse barn financing will involve receiving a lump sum which you are then required to pay back over a set term, with interest paid on top. The amount you will qualify for and the interest rate offered will depend largely on your credit score.

Best Horse Barn Personal Loans

Some of the best horse barn personal loans include:

Lightstream Personal Loans


Funding: Borrow $5,000 - $100,000
Minimum Credit Score: 660
APR: 2.49% - 19.99%
Loan term: 2 - 7 years
Funding turnaround: as soon as same business day

LightStream offers up to $100k personal loans as soon as same business day without origination fees and easy to use mobile app.



Funding: Borrow $1,000 - $50,000
Minimum Credit Score: 660
APR: 5.94% to 35.97%
Loan term: 2 - 7 years
Funding turnaround: as soon as next business day

Upgrade offers borrowers with fair credit scores to obtain loans up to $50k. Joint applications are allowed. Origination fees may apply.

OneMain Financial

OneMain Financial

Funding: Borrow $2,000 - $36,500
Minimum Credit Score: no minimum requirement
APR: 18.00 - 35.99%
Loan term: 2 - 5 years
Funding turnaround: 24 - 48 hours

With OneMain Financial, borrowers can obtain a personal loan of up to $20K without a minimum required credit score. Origination fees do apply and the lender offers bonus financial education tools and calculators.

Marcus by Goldman Sachs Personal Loans

Marcus by Goldman Sachs

Funding: Borrow $3,500 - $40,000
Minimum Credit Score: 660
APR: 6.99-19.99%
Loan term: 3 - 6 years
Funding turnaround: typically within one week

Marcus offers loans that are best for debt consolidation and has attractive customizable loan repayment options. While funding may take up to a week, there are no hidden fees and you may obtain competitive interest rates.

To discover the best personal loan for you, check out our comparison tables to see rates and terms all in one place.

How much does it cost to build a horse barn?

The cost of building a horse barn varies greatly depending on the materials used and the complexity of the design.

You have the option of building a pole barn, which doesn’t need a foundation or a wood barn. A pole barn starts at $5,000 for materials, reaching up to about $30,000+ for a large-sized pole barn. Adding stalls can then set you back between $100 and $1,000 per stall. This is a good option if you’re simply looking to keep your horses dry and warm.

A wood barn with a hayloft starts at $20,000 up to $100,000 depending on what is included within the design. If you opt for a pre-fabricated kit wood barn, you can save on costs. This type of barn will also need a foundation, hardware, and professional labor, potentially doubling or even tripling the total cost.

What kind of loan do I need to build a horse barn?

If you are looking for horse barn financing, there are several options available, including:

  • Construction Loan: This type of financing works like a payment plan to your contractor, through an external lender. The lender will pay the contractor in installments for each stage of construction which you then pay back over time with interest. You will need to supply blueprints to secure this type of loan. A construction loan with either turn into a mortgage when construction is completed or will only cover costs until the construction is finished.
  • Personal Loan: If you have a healthy credit score, you may be able to use a personal loan to finance your horse barn. You will receive a lump sum which you pay back in weekly or monthly installments, typically over 2-5 years, with added interest. You may find that this type of loan will not provide you with enough funding if you are looking to build a more intricate, wood barn.
  • Lot Loan: A lot loan involves financing the land purchase to use cash for the construction of the horse barn. The land will need to be ready for development when the loan is taken out, otherwise, the land is considered ‘raw’.
  • Farm Loan: Farm Service Agency (FSA) loans, offered by the U.S. Department of Agriculture, can be used to construct buildings (as well as other aspects of farming operations). These are offered to family-size farmers/ranchers who are unable to qualify for financing from a bank, credit union, or other lenders, as well as those who have suffered as the result of a natural disaster or limited resources.
  • Home Improvement Loan: A home improvement loan will only be an option if you are looking to make a renovation or remodel rather than building a new construction.
  • Business Loan: If you keep horses as part of your business, you might be able to take advantage of a business loan. The loan amounts, interest rates, and loan terms vary from lender to lender, and you will likely need to present a business plan to qualify for this type of loan.

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Do banks finance pole barns?

Yes, a bank will finance a pole barn, but, as with all bank loans, the amount you will qualify for, and the interest rate offered will depend on your creditworthiness. You can expect to need a credit score of at least 680 to be eligible for bank financing.

How can I cut costs when building a horse barn?

If you just have one or two horses, you should consider a “run-in” shed. This type of shed provides your horses with a space to escape the elements for a fraction of the price. For a basic “run-in” shed, costs start at around $2,000.

You can add internal rails and rails on the openings of run-ins to separate the spaces into stalls, so you can separate horses temporarily and keep them inside when you need to. If the two horses don’t get along well, you may need to add an internal wall to divide them but know that this will also limit how well the horses will use it as a shelter, since there will be two small spaces instead of a large open space.

If you want something a little more substantial, you may be able to DIY-build a pole barn for around $3,000. This can provide a rear wall and roof to protect the horses from adverse weather, or you can enclose the barn on the left and/or right for more complete protection.

If you DIY your barn project, make sure you do your research and root the barn properly in the ground to prevent it from moving in extreme weather.

Opting for a tin roof will also usually cut costs, though they are much noisier to be in when it’s raining than some more expensive options.

Can I finance a barn with no money down?

There will be some lenders that can enable you to finance a barn with no money down, but these loans generally have higher interest rates and lower loan amounts than those that do require a down payment. The average personal loan does not require a down payment.

What credit score do I need for horse barn financing?

This varies from lender to lender, but a score of 640 or higher will give you the best options. If your credit isn’t good, consider borrowing less and building a small basic pole barn or similar and improve your credit score before seeking finance for a larger barn.

Horse Barn Financing Calculator

To get a better understanding of how much building a horse barn is likely to cost you, use our horse barn financing calculator:

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If you don’t have the money you need to give your horses somewhere comfortable to stay out of bad weather, or you are looking to expand your riding school, horse barn financing is just the thing you need. We have made it easy for you to compare personal loan lenders and rates so that you can be sure that you are getting the best, most affordable deal. Simply find the loan that is right for you and click apply. You will soon have the financing you need.

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