Friend & Family Owned - Trade-in and SAVE

Financing Options

We're here to help finance your next saddle and have finance options to fit your needs, whether it is by using our 90 Day Layaway, Saddle Trade-In or our full financing options. If you have any questions don't hesitate to email us at

Financing Available Through Bread

Here at Horse Saddle Shop we greatly value your business and would like to offer an added convenience to you for choosing to shop with us. We invite qualified individuals to apply for Bread Finance. The application is quick and easy, with a decision in seconds and no obligation to buy. Bread offers clear, transparent terms. Fair rates. No prepayment penalties.

Pay over 6 months for as low as 0% APR*: We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase over time.

Affordable Monthly Plans: Pay for your order over 6, 12, or 18 months at competitive interest rates or as low as 0% APR for 6 months*.

No Prepayment Penalties: Pay for your purchase with monthly payments and prepay at any time without penalty.

Questions? Call our support @ 1-800-448-1602 or email .

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 18 monthly payments of $60.05 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Financing Available

Trade-In Saddle Trade-In Program

Need a new saddle but need to sell your old one? Try our successful EZ Trade-In Program.
Take advantage of our discounted shipping and apply the value of your trade-in saddle to the purchase of a new one. We make it super easy for you with 2 very EZ steps.

  • First: Send us pictures and model or serial number to Please note that you are looking to trade your saddle in and any other important information about your saddle.
  • Second: Get a discounted shipping label from us and send in your saddle for instant credit toward your new saddle.

    Call an expert at 1-800-448-1602 if you have questions or would like for us to walk you through the process, or email an expert at

  • Layaway

    Our shop is constantly receiving and shipping out items. If you've got your eye an a saddle, but can't afford full price yet, use layaway to secure it and ensure someone else doesn't snatch the deal! Call 1-800-448-1602 or email

    How It Works

  • 1) Call 1-800-448-1602 or email to speak to one of our representatives to ensure the saddle you want is still in stock. There is no minimum purchase amount to be eligible to use our layaway program.
  • 2) Reserve your item in your name with at least 30% down.
  • 3) You then have 90 days to pay the remaining amount. Once you have done so, your item will ship.

    *Cancellation Policy: Once an initial payment is made, there is a 10% cancellation fee of the original order amount