Horse Barn Financing

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Whether you are looking into steel pole horse barns, or a traditional horse barn made of wood, Acorn Finance can help you get there. House your horses in style with a new horse barn, financed at the lowest rates on up to $100,000.

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Loans up to $100,000; Terms up to 12 years; APRs as low as 3.99%.

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In some cases, receive funds in as little as one business day.

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Ready To Secure Horse Barn Financing?

Compare Horse Barn financing options without affecting your credit score.


Learn More About Horse Barn Financing

Ready to add new storage or stables to your property? Building a new barn takes a lot of planning, and plenty of financing. From permits to materials to labor costs — not everyone has enough cash on hand to pay out of pocket. You’re not alone. Thankfully, there are multiple options for horse barn financing. You can apply for home refinancing, use a credit card, or explore barn loan financing. Let’s dive in.

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What is horse barn financing?

If you need a horse barn but do not have the cash on hand – or perhaps you have the cash but would rather save it – you may want to consider horse barn financing. Horse barn financing can provide the funds you need to build the barn of your dreams. Rather than coming up with a lump sum of cash, you can borrow it and make affordable monthly payments instead. While financing is convenient, it may increase the total project cost. Borrowers should be conscious of interest and other fees. We recommend using a lender with no early pay off penalty and overpaying each money. For example, if your minimum monthly payment is $300 you should try to pay $350 or $400 or any amount more than the minimum payment. Over time this can save you money on interest and help pay the loan off faster. Horse barn financing can be used for the barn itself as well as any construction fees or extras. You should have an idea of what your project costs will total so that you can apply for the appropriate amount of financing.

How can I get horse barn financing?

One of the easiest ways to secure horse barn financing is to apply at Acorn Finance online. Acorn Finance has lending partners that specialize in unsecured loans for horse barns up to $100,000. Homeowners and business owners can obtain horse barn financing at Acorn Finance with no money down and no collateral. To top it all off, Acorn Finance has lending partners with interest rates as low as 4.99%. Unsecured loans can be a good option for borrowers with less than perfect credit or new business owners. Most lenders do not have spending restrictions meaning you can spend the money on just about anything. Personal loans are usually issued as a lump sum of money so when it comes to negotiating with manufacturers, you may have more negotiating power. Some individuals may prefer to use a secured loan such as a home equity loan. Secured loans usually have lower interest rates and higher loan amounts but require collateral from the borrower. The process for securing a secured loan is usually complicated and may take some time. Most banks, credit unions, and online lenders offer secured and unsecured loan options. The type of financing that is best usually depends on your finances. Some retailers or manufacturers may offer financing. We recommend comparing their offer with other offers to make sure you get the best deal.

How Much Does It Cost to Finance a Horse Barn?

Before you decide upon the right barn financing plan, you need to know how much your new barn is going to run you. Particularly if you will be supplementing your financing with cold hard cash. The answer, unfortunately, isn’t simple. The cost of your new barn will depend on factors like it’s size, construction materials, and whether it has stables.

Barn Size

You guessed it, a bigger barn costs more than a smaller one. To give you a point of reference, a 1,200 square foot barn that can house livestock and equipment will probably cost around $45,000 to build. If you want to add plumbing and electrical, you can tack on another $10,000 or so.

Construction Materials

Building a barn with lumber is the most expensive option. You’re looking at about $45/square foot or more for this type of construction. If you want to cut the cost of barn construction significantly and immediately, consider prefab options from one of the many horse barn manufacturers. These modular horse barns can also be made from wood, but they are also constructed from other materials, like metal. Most importantly, the parts come largely pre-assembled (or prefabricated, hence prefab). Modular barns not only start at half of the cost of a wood barn, but many are designed to be more fire retardant and insect repellent.


If you want your barn to house horses and other animals, the number of stalls will inform the cost of your project. Not only will adding stalls increase the overall square footage of the barn, but it requires additional materials and planning. The difference between a 2-stall barn and a 12-stall barn could be $10,000 or more.

How much does it cost to build a 4 stall horse barn?

Traditional wooden barns usually cost more than prefab metal barns. The cost of your 4 stall horse barn may vary depending on the materials, location, and details. Wooden barns cost about $45 per square foot to build. Prefab metal barns typically cost between $7 to $25 per square foot. Prefab metal barns can offer consumers a lot of value. In addition to being cheaper, most prefab metal barns come with a multi-year warranty. Metal barns may withstand harsh weather better and require less maintenance. A 4 stall horse barn is usually about 1,600 square feet. On average a 4 stall wooden horse barn costs about $72,000. This is much more expensive than the average cost prefab metal 4 stall horse barn coming in between $11,200 to $40,000. So what do these averages equate to in terms of monthly payment? If you use an unsecured personal loan to borrow $72,000 at 4.99% for 12 years, your monthly payment should be about $666. If you use an unsecured personal loan to borrow $20,000 at 4.99% for 5 years, your monthly payment should be about $377. The monthly payment and total costs for a prefab metal barn may be much more manageable. Regardless of what type of barn you build, you should make sure the monthly payment is affordable before securing a loan.

Can You Finance a Horse Barn?

Yes. Once you have a price range in mind, determining how to how to finance a horse barn is the next step. Much like a home, there are specific loans designed for barn structures. However, you may also be able to tap into your home loan if the barn will be built on a property you also use as your primary residence.

What are the Different Types of Horse Barn Financing Options?

You have a few different ways to finance a horse barn, each with their pros and cons. The right pathway forward will depend on everything from your credit score to your home equity and even your personal preferences.

Here are some of the most common ways to finance your new horse barn:

Personal Loan for Horse Barns:

If your credit is good, you may be able to get an unsecured personal loan to use as you please. With a good interest rate, this could be an ideal, simplified form of financing for some people. You won’t have to put up your home as collateral and will have a single monthly payment. Personal loans may have a higher interest rate than loans with collateral, but if you can pay more than the minimum each month you may be in good shape.

Home Equity Loan:

If your barn is going on your personal property, you may be able to tap into your home equity and used the funds to pay for the construction. Depending on the lender, they may not even care what you use the funds for as long as you have ample equity and your mortgage (assuming you still carry one) is in good standing.

Home Improvement Loan:

Similarly, homeowners may want to explore a home improvement loan. This is a common type of financing for barns. Your barn will add value and new purpose to your property, and could qualify you for this type of loan.

Credit Cards:

This may be a last resort for most people, but it could be a decent opportunity given the right circumstances. If you can pay for most of your project with cash, and have a 0% offer available from a credit card, you might consider financing part of your project with plastic and paying it off before higher interest rates kick in. Just keep in mind that when they do kick in, they’ll typically be much higher than other types of financing.

Is horse barn financing worth it for me?

Qualifying for horse barn financing may be much easier than you think. If you need a barn for your home or business but don’t have the cash available — horse barn financing is probably worth it, as long as you can cover the monthly payment. While unsecured loans are usually extremely easy to secure, you should explore your options. It’s important to make educated financial decisions which generally require some investment of time. If you have a lot of equity in your home and are willing to use it as collateral, a secured loan may make the most sense for horse barn financing. However, if you do not have equity in your home, an unsecured loan or credit card may be your only option. In most cases, it’s not smart to use a credit card. In addition, it may be hard to get a credit card with a balance high enough to finance a barn. There are some situations where an individual may have most of the cash on hand and only need to borrow a small amount. In situations like this, a credit card may make sense, but it’s likely that a personal loan will have a lower interest rate. Some lenders that offer personal loans have minimum loan amounts as low as $1,000. When you compare horse barn financing options you should compare the loan amount and terms. Perhaps one option has a low interest rate but the term is short. This may make the monthly payment unfeasible. To make horse barn financing worth it you will want to find a financing option that is affordable.

Conclusion: Is financing a horse barn the right choice?

In conclusion, horse barn financing can help homeowners and business owners build the barn they daydream about. Imagine your horse safe and sound, out of the rain or snow, nice and cozy in his or her stall. Barn financing can expand your budget, thus allowing horse owners and business owners the opportunity to build a barn that meets all of your needs. If you own a stable, you may be able to charge more for board for having luxurious horse barns. Most horse parents try to make their beloved four-legged friend as happy as they make their owners. Horse barn financing can eliminate financial stress while creating a safe space for your animals and improving property value.

If you’re in the market for barn financing, and horse barn specials, you’re in the right place. Contact one of our lenders today to see if you qualify for their financing options and get the ball rolling on your new horse barn as soon as possible.

Acorn Finance is a leading provider for horse barn financing & loans. On approved loans, you can borrow up to $100,000 and take as long as 12 years to pay it back. Acorn Finance partners with reliable lenders and allows you to receive multiple personalized competitive offers online using just one application. In addition, your credit score will not be affected during the application process.

Ready to take the next step and secure home improvement financing? Apply online today!

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