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Saddle Financing

Great News ! Lillytay now offers 2 options for financing for all of our saddles !

1. Shop Pay Installments: 

Shop Pay offers you the option to pay in full at checkout, or to split your purchase into 4 equal installment payments for orders between 50 USD and 3,000 USD. Ex: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.

The best part is there are no additional charges, interest rates, or late fees! also checking for eligibility has no impact on credit.

Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers

Max saddle cost eligible for this option is $3,000.

2. United Midwest Savings Bank Option: 

So what does this mean? Well we have partnered with United Midwest Savings Bank to get you this great opportunity where you can make less than $80 in monthly payments (depending on your credit score and purchase price) to pay off your beautiful saddle with no money down today.

All you have to do is...

1. Find what saddle that you want on our website

2. Click here and take a few minutes to fill out the application to see if you qualify .

3. Wait to hear back from UMWSB to see if you are approved!

We recommend sending us a email at to make sure the saddle you are looking at is still in stock before applying for financing .

Here are some answers to some Frequently Asked Questions/Important information:

  • When you apply for financing your credit will be checked to be considered for saddle financing. 
  • Saddles are NONREFUNDABLE if being paid for with financing

1. What saddles are eligible for financing?
All saddles on our site as long as they are currently in stock, send us a email before applying to make sure the saddle you want is still available. If you want to finance a special order saddle please send us a email because some rules apply.

2. Do I have to pay anything today?
No! All you have to do is apply and wait for approval to get your saddle financed.

3. Can I make a small payment towards my saddle? 
yes, if you would like to make a payment towards the saddle to make the remaining balance smaller you can just add that amount when applying for your saddle.

4. How much interest will I have to pay each month?
There is a special interest rate of only 12.99%.

5. What is the maximum cost my saddle can be financed for? How long do I have to make monthly payments for my saddle once I am approved for financing? 
$6,000 . You have up to 60 months to pay for your saddle

6. Do I still get a trial period for my saddle? 
Yes, but it will only be 7 days from the date you receive it. There is no trial period at all for special order saddles. This is due to the fact that we do not control postal service delivery times and want to make sure you can cancel your loan with the bank absolutely interest free. If you would rather have a 14-day trial period, please do not submit an application for financing, and instead opt to purchase the saddle up front. DP Saddles ONLY 

7. What if I want to cancel my application? 
The loan can be cancelled interest free within 30 days after the date the loan was funded only. Once the saddle is returned to the brands (DP Saddlery, Tough-1, Alamo Saddlery) warehouse location, we will submit the cancellation the next business day. If the cancellation happens after 30 days, you will owe UMWSB interest on your first payment, so please keep that in mind. Any fees resulting due to postal delays and/or other issues which prohibit us to cancel the loan with the bank are not the responsibility of Lillytay and the customers sole obligation.

Please look at our return policies to make sure you are okay with the terms of returning a saddle BEFORE you apply for financing.


If you have any other questions related to financing or available saddles email us at