I have a 2003 Exiss Gooseneck 3-horse slant load (no living quarters). I bought it almost 2 years ago. It only had one owner.
I've been really happy with it. It tows great and has been holding up really good. I also love that my dressing room is huge, because my trailer doubles as my "barn".
In my opinion, goosenecks are WAY BETTER than bumper pulls. Hands down. They pull better and are a smoother ride for the horses. Plus they are easier to back up.
You'll simply need to have a gooseneck ball installed on your pickup. It cost around $800 to get hubby's put on, if I remember correctly.
The backing up is just "opposite" for a bumper pull. Once you get the hang of it, you'll have zero problem.
I'm not sure how long you can finance trailers for, but they are considered an unconventional loan
. Unless you have something to put up for collateral, expect to pay around 25% downpayment on the entire loan before you can get the loan. Yes, seriously. And you will automatically pay an additional 2% more in interest because it is an unconventional loan. Make sure to contact your banker ahead of time so you can get all the details, because there's a few kickers like that I wasn't aware of when I bought my trailer.
What I ended up doing, my car was paid for and worth more than the trailer I was buying. So the bank "bought" my car from me, and I got my horse trailer free and clear. Now I am making a car payment to the bank. I didn't have to put any money down AND I get the lower interest rate for a vehicle loan (rather than an unconventional loan). It was a win-win situation.