Question: What kind of silver is on your saddles?
We make the silver that comes on our saddles in three grades, premium silver plated, silver overlay, and sterling silver. Our classic line is made with high quality silver plate, our Signature line features silver overlay and our Elite line features pure sterling silver.

To understand the differences in silver and what is available in today's marketplace, we encourage our customers to do their own research to understand what they are getting for their dollar. In today's marketplace, general rule of thumb is that most new saddles that fall under the $4000 range that have a good amount of silver are made with silver plate. Silver overlay typically begins at around the $3600 mark here again with a large amount of silver, and the upper segment being those made with sterling silver.

Prices between silver plate, silver overlay, and pure sterling vary widely. Silver overlay is generally twice the price of silver plated items due to the amount of actual silver content. Sterling silver is once agian about two times the price of silver overlay, thus about four times the price of silver plate, all a result of the actaul amount of elemental silver present..

Question: Why is there so much descrepenincy in silver advertising?
Unfortunately, there is no industry standard as to the way that silver is marketed or advertised, resulting in even more confusion for the consumer. It is not uncommon for manufacturers to use terms such as 'sterling silver plate', 'sterling overlay', when in fact, 'Sterling' is a word that is reserved for elemental silver that is at LEAST 97.25% pure silver. Since silver plate and silver overlay do not contain the required amount of elemental silver to be termed 'sterling', they should not be advertised as such.

Question: Do you offer a trial period to determine fit?
On saddle sales that are termed as 'in-shop' purchases (purchases that are not custom order), we offer a standard three day trial period to enable rider and horse to determine good fit and comfort. We can not offer trial periods or returns on custom orders. Please see below for a copy of our trial saddle policies.

Question: Do you offer any layaway programs?
We do offer a short term layaway program. We can offer a three month/three payment layaway with signing of a formal layaway agreement. The saddle is required to stay in the shop until paid in full. Deposits are non-refundable if layaway is cancelled. Please ask for more details.

Question: What if I want to customize a saddle or make a custom order?
We welcome custom orders, due to the nature of custom work, a deposit of $500.00 or 1/3 is required to begin work. Deposits are non-refundable if the order is cancelled. Unfortunately, we can not accept returns or refunds for any custom work. For custom orders please allow at least 12 weeks for completion. Please ask all questions about formal policy prior to ordering for more details.

Question: Do you offer financing?
Currently, we offer consumer leasing programs and customer financing is available for in shop purchases. See below for more information on our lease to own program! It is an exciting and

Why consider a lease?

There are several advantages to leasing a saddle today! Just a few of them are listed below:

1. Small monthly out of pocket expense vs. large transaction
2. Option to purchase at the end of the lease
3. Choose YOUR term. The amount that you pay will be based on the term that you choose and your credit classification.
4. Even those with poor credit can most likely be approved for our leasing program.
5. We can even lease to those who have less than perfect credit!

How does a consumer lease work?

We have a simple process for being approved for our leasing program and getting you on your way to owning your new saddle. How does it work?
1. We submit a simple application to our leasing company on your behalf. Usually it TAKES LESS THAN 15 MINUTES for approval and review.
2. Once approved, formal application must be submitted by us retaining your signature and agreement to terms.
3. A one time $75 processing fee plus your first month's payment is required in advance due at the time of signing.
4. We do require proof of insurance. Proof of insurance can be provided on a homeowner's policy, rental insurance policy, or other private insurance policy. This is required for protection of both parties in case of damage or injury of equipment.
5. We prefer an automatic payment monthly withdrawal be set up for monthly payments. If traditional payment is preferred, there is a $5.00 monthly invoicing fee that is charged for paperwork. It is much easier to do automatic payment withdrawal and we recommend to our clients to do so as leasing companies are very strict with credit and credit terms.

That's it! You enjoy your saddle for the entire lease with the option to buy the saddle at the end of your lease terms.

Leasing terms can range from 24, 36, 39, 48, 53, and 60 months! You choose what is best for you!