This is a list of characters who appear on The Saddle Club.
Carole Hanson
Carole is a bright African-American girl with a natural riding ability. She became devastated when her mother died of cancer, and almost gave up riding when Cobalt, one of the horses, died. Her father, U.S. Marine Colonel Mitch Hanson, reminded Carole that her mother would have wanted her to follow her passion. With money left by her mother, she bought a buckskin gelding, Starlight. Carole knows her future lies with horses, but there are many paths to follow and she does not know which road to take. Her grades are high enough for her to become a veterinarian but she would also love to breed and train Thoroughbreds. She would never mind being a professional steeplechase jockey or maybe traveling the world teaching dressage clinics. Whatever career she chooses, her most immediate goal is to be the very best rider she can be. Carole has little time for boys; therefore, she has never understood why anyone would prefer the company of a boy to that of a horse. This is when the pressures of family, friends, school, and competition cannot touch her. Anyone who catches a glimpse of horse and rider moving as one along the lush creek cannot help but be in awe. Like the other Saddle Club girls, Carole is becoming a young woman. In "Moving On, Part 1", Carole's dad got re-deployed and she almost left Pine Hollow, The Saddle Club, and Starlight behind forever when it was decided that she'd live with her Aunt Penny. Thanks to Mrs. Reg, however, Carole becomes the first live in boarder at Pine Hollow Stables as of "Moving On, Part 2" which allowed her to stay at Pine Hollow, continue to be in The Saddle Club, and keep Starlight. Carole has never forgiven Veronica for killing Cobalt. In "Itchy", Carole thought that she was allergic to horses, but after a visit to the doctor it was revealed that she is allergic to camels as the saddle blanket that her father sent her is made out of camel hair. When Carole suggests naming Samson after "Samson and Delilah", it was a hinted indication that Carole is a Christian. Whenever Carole's sad, to cheer herself up she will ride Starlight or play her guitar. Carole is focused, determined, stubborn, and passionate just like her mother was. In the books, Carole and Lisa go to Willow Creek Junior High School together and Carole and Stevie are the same age. In the "Pine Hollow" series Carole goes to Willow Creek High School with Lisa.
Played by: Seasons 1–2 – Keenan MacWilliam Season 3 – Victoria Campbell
Stevie Lake
Stevie dropped her given name, Stephanie, and has always been tomboyish. Now being uncomfortable with the activities other girls of her age do, but at the same time getting tired of being "one of the boys", one thing remains: her love of horses. Stevie is the unsinkable, unstoppable clown and prankster of the Saddle Club. Stevie practices practical jokes so much because her three brothers have driven her more sensitive side underground. She does not think things through and will embark on some impetuous, hare-brained schemes, sucking Carole and Lisa into it on the way through, and when everything gets out of hand, it is her two friends who would have to bail everybody out of the mess. But Stevie is irrepressible and unflappable and moves straight onto the next scheme or caper, leaving Carole and Lisa preparing for the worst again. However, they do not mind her pranks too much if Veronica is the target, as she often is. Stevie's parents, George and Catherine, are both lawyers with hectic schedules. They both worked hard for everything they achieved and are determined to instill a solid work ethic in their children; they agreed to pay for one riding lesson a week, but also insisted that Stevie work at the barn in exchange for additional lessons. She is impulsive, stubborn, sarcastic, and often gets into trouble outside of the show ring. On "The Mountain Trail Overnight", she meets Phil Marsten, who develops a crush on her; they begin dating later on in the series, and she is so far the only one of the trio to have a life-lasting boyfriend. Stevie rode Comanche until she rescues Belle; Stevie was allowed to keep Belle after her original owner realizes that they belong together. Stevie found learning to ride Belle difficult at first, as she was such a high-strung and mighty horse, but after time Stevie could just walk outside into the paddock and call her and Belle would be there in a second or less. Stevie has a bad temper, but when she enters the show ring, she becomes another person. When not dressed for the riding ring, Stevie has a funky, urban style of her own. She loves vintage clothing stores and often makes a bold, if sometimes outrageous, fashion statement. Her younger brother, Michael, is an ultimate pest and seizes any opportunity to aggravate and annoy his sister, and her older brother, Chad, seems to do nothing to dissuade Michael from irritating Stevie He is the one who started the family tradition of practical jokes. Even though her twin brother, Alex, plays his share of jokes on Stevie, he is fiercely protective of his sister. Alex likes to remind Stevie that he is older than her by six and a half minutes. Stevie's strongest events in riding are cross-country equestrianism and dressage. Stevie also works to pay for Belle's board. In the books, Stevie and Veronica go to Fenton Hall Academy together, and Stevie's family lives in the same neighborhood as Lisa's family. Stevie's favorite color is blue.
Played by: Seasons 1–2 – Sophie Bennett Season 3 – Lauren Dixon
Lisa Atwood
Lisa is an English Australian Straight-A student who was named after her Aunt Elizabeth. She is of English-American descent. When she started riding, she did not know she would like it very much. Since her mother makes her do everything that she believes a young lady must do, she figured it was just another one of those things. Lisa is a perfectionist, encouraged by her mother to be best at everything, but is also completely loyal to her friends, though she has a bit of a wandering eye when it comes to boys. She has a series of little crushes but does not often act on them. Lisa has another unexpected side to her character: horses, which bring it out. Although an overachiever, she has a way with horses and all other animals which seems to be almost uncanny to some; this bond and intuition with horses is particularly strong when it comes to the wild stallion, Diablo. Her first horse was Patch until she got Prancer, an ex-racehorse that Lisa loves and is determined to make into a champion show jumper. However, she is afraid of her mother, and because of this, she always strives to be a bit better than everybody else is. Although there is always that edge of rivalry between them to keep things interesting, she is really a loyal friend to Carole and Stevie. Lisa gets on well with boys, and they really respond to her because she is a great listener about any problem they might have, and the advice she gives is spot-on. As well as riding lessons, Lisa takes ballet, clarinet, art, and tennis classes, and she often wishes she has less to do. Lisa has grown from her initial insecure start at Pine Hollow to being an integral part of the place with close bonds with Stevie and Carole. Lisa's strongest event in riding is jumping. Lisa's equestrian skills have developed to where they rival, if not overtake, those of her companions who have been riding longer. Lisa also excels at making milkshakes. In "Itchy," Lisa tells Carole that she is allergic to daisies after she gave her some as an apology present for getting mad at her when Lisa did the right thing by telling Mrs. Reg about her allergy symptoms. In Season 3, Lisa has a pink grooming kit for Prancer. Lisa used to bite her nails until "School Horse", an," n that same episode, she hungers in for jelly beans. In the books, Lisa attends Willow Creek Junior High with Carole, and she is a year older than Carole and Stevie. In the "Pine Hollow" series Lisa, goes to Willow Creek High School with Carole. Lisa's favorite color is orange.
Played by: Lara Jean Marshall (Seasons 1–2), Ariel Kaplan (Season 3)
Veronica DiAngelo
Veronica is the spoiled daughter of a wealthy Italian-Australian businessman, Frank DiAngelo, and his wife, Helen DiAngelo. Veronica is a big-headed, pompous individual who thinks she is better than everyone else. She is often rude, insulting, mean, witty, and loves boys. She likes riding expensive Thoroughbreds but has little interest in caring for them. Despite stepping all over people and tearing them down to get what she wants, she is proven to be a good friend to Kristi and Desi. Deep down, Veronica is lonely. All Veronica really wants is for her parents to spend time with her. Veronica is jealous of The Saddle Club's friendship and secretly wants to be friends with them. Veronica pretends to be nice in front of Mrs. Atwood. In the first series, Veronica causes her horse, Cobalt, to have a fatal accident. After Cobalt's death, Veronica temporarily rode Patch after Prancer was assigned to Lisa. Veronica's parents buy her a new horse, Garnet, a new beautiful chestnut mare. At first, she does not like Garnet but gradually starts to like her after Kristi says that she might buy her off of Veronica. She attended school with The Saddle Club but was happier at an elite girls' school she attended before her parents bought the estate at Pine Hollow. Veronica becomes interested in Phil Marsten because his family owns land and breeds Arabian horses. When her father's finances suffer in Season 2, she winds up working at the stables to cover Garnet's board and her lessons. For a while, Veronica seems to find Scooter annoying but gradually grows to like him. In "Greener Pastures Part 1" after Cobalt's accident she was worried about Cobalt and wanted to stay with him instead of getting her arm x-rayed after their jumping accident indicating that deep down she really cared about Cobalt and did not realize how much she loved him until it was too late. As of Season 3, Veronica talks to Kristi via her cell phone. In Season 3, we learn that Veronica is Italian. Veronica has shown her caring side when she warned Lisa that Storm was dangerous and that the first chance that he got he'd hurt her and when she tried to protect Simon by saying that Midnight could kill him when Desi's father decided to put him down instead of selling him. In the "Pine Hollow" series, Veronica quits riding after she develops an interest in boys. Veronica's favorite color is Red.
Played by: Heli Simpson (Seasons 1–2), Marny Kennedy (Season 3)
Kristi Cavanaugh