Stevie and the other members of the Saddle Club are competing in a rodeo, and Gabriel bets Stevie that he can beat her in every event, so now she has to win or she will be embarrassed in front of all her friends.
When Veronica diAngelo gets an expensive thoroughbred for Christmas, she ignores Garnet, her other horse. The Saddle Club is determined to find a loving new home for the unloved horse.
Upon learning that their riding instructor is in serious financial trouble, three friends drum up new business for him and arrange a riding demonstration starring themselves.
After she and her Saddle Club friends return from an enjoyable overnight camping trip with other members of Pine Hollow Stables, Carole is delighted to be given the care of a thoroughbred stallion she's come to love.
Carole and Stevie are happy to find that Lisa, the new student at Pine Hollow Stables, shares their enthusiasm for riding and horses and, as their friendship grows, the three girls decide to form the Saddle Club.