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Borrowing, Leasing, or Buying a Horse

Three paths to being mounted, and which one fits your first season.

Buying a HorseArticleBeginner7 min read

Almost nobody should buy a horse in their first six months. Borrow first.

Leasing sits in the middle: you get consistent access to a known horse for a season without tying up the capital, and most leases include a maintenance agreement.

When you do buy, buy finished. A green horse and a green rider is the most reliable way to slow both of them down.

Key Points

  • Borrowing is the cheapest way to find out if you want to do this
  • Leasing gets you a full season without the capital
  • Buying green is the most common expensive mistake

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