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First time buyer question....

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  • First time buyer question....

    I've learned so much about the process and mostly feel that I know what I'm doing, but what form of payment is generally the norm for a horse? ( If there is one that's the typical...)

  • #2
    Depends on the pricing, I think.

    I bought my most recent horse from a Sporthorse and Hunter Auction for high 4 figures. Used a credit card.

    Horse before that, mid 4 figures, paid cash.

    Personally, im not selling any high dollar horses....so I want cash. Ive seen too many checks bounce.
    Charlie Brown (1994 bay TB X gelding)
    White Star (2004 grey TB gelding)

    Mystical Moment, 1977-2010.


    • Original Poster

      This one is in the $5-10K price point and I wasn't sure if bills would be acceptable or if I needed to get a cashiers check.


      • #4
        I do cashier's check (+ sales contract).


        • #5
          I paid w/ a personal check. Horse was low 5 figures. He was shipped to me after the check cleared.


          • #6
            I paid via personal check once (seller held papers til it cleared), but I think that the payment type preferred is cashiers check.


            • #7
              On the first horse, we had the same credit union as the seller, so we did a direct deposit into their account. The second one was with a personal check.


              • #8
                I've done wire transfer and personal checks.


                • #9
                  I've done cash or personal check (its a small community!) but I think now I'd probably do cashiers check. But before I did that I'd probably ask the seller what they'd prefer, in case they didn't care.


                  • #10
                    I've always paid with personal check, even at an auction (although I was pre-approved when I registered as a buyer before the auction). The most I've ever paid was $25,000 and I was actually surprised they'd take a personal check, but the horse was at their trainer's and I guess they figured he was in a safe location.

                    I did call on a horse one time and was told they'd accept PayPal.


                    • Original Poster

                      I ended up paying cash. (I did ask the seller) It was actually kind of cool...my bank is not local and I had no idea how I was going to get access to money on short notice...they usually have to mail cashier's checks and you can't exactly go tho the ATM and withdraw that much, ya' know? WELL, I called them and they raised my ATM/debit limit for a few hours so that I could go to the counter at a local (another company) bank and withdraw the funds against my card. It was awesome and worked seamlessly. Cool!

                      Thanks for the help!


                      • #12
                        You can make a better deal if you arrive with a trailer and cash. You can also drive home empty if you care to.
                        ... _. ._ .._. .._


                        • #13
                          What does the seller want? That's your real answer regarding how you should pay.


                          • #14
                            Cashier's check or wire transfer. Cash if the amount was not huge. I would never accept a personal check unless the horse did not leave until the check cleared.


                            • #15
                              I've done either wire transfers or a personal check.


                              • #16
                                If I were selling, I'd want cashier's check or cash. But I've bought by check--payments even--from someone I knew well. (had been riding & showing the horse for 2 years for them anyway.)

                                It's really up to the seller to determine. Just ask.

                                good luck with your search!
                                A good horseman doesn't have to tell anyone...the horse already knows.

                                Might be a reason, never an excuse...


                                • #17
                                  Originally posted by LSM1212 View Post
                                  I paid w/ a personal check. Horse was low 5 figures. He was shipped to me after the check cleared.
                                  Same here... The sport Morgan world is a small one and had I done anything shady, I would have been blackballed.
                                  You have to have experiences to gain experience.

                                  1998 Morgan mare Mythic Feronia "More Valley Girl Than Girl Scout!"


                                  • #18
                                    Originally posted by Ellie Mae View Post
                                    I ended up paying cash.
                                    Congratulations on your new horse