Please help!

I’m sorry but with a sensible head on please don’t take a substantial 5 figure loan to buy a horse. It could go lame the day after and you still have to pay. If you can’t afford it, you can’t have it. There is always another horse out there to share or buy within your budget.
Absolutely agree.
 
Sorry but you shouldn't go into debt to buy a horse, you're young and potentially have house purchases etc, your interests etc may change (I never thought mine would now I don't even ride!)

Certainly wouldn't suggest selling things like your car

As others have said, you then have the up keep costs etc. If you can afford these all you can do is make an offer you can afford and hope they want horse to go to someone that obviously loves it

Please do not consider loans or debt - sound like you're very sensible as you've said this is a route you'd rather stay away from
 
Just to add, with a horse that price you would need to budget for a 5 stage vetting, including Xrays, whether you know the horse or not, because it would be uninsurable without.
 
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