Flight Training Financing
Multiple Ways to Fund Your Aviation Career
Don't let cost be a barrier to your dreams. We've partnered with industry-leading lenders and created flexible payment options to make flight training accessible to everyone.
Our Recommended Financing Partners
We've vetted these lenders specifically for flight training. They understand aviation and offer competitive terms for student pilots.
US Flight Finance
Built for AviationOur primary financing partner, US Flight Finance specializes exclusively in flight training loans. They understand the aviation industry and provide a streamlined process designed for student pilots.
- Down payments starting at just $5,000
- Competitive rates for qualified applicants
- We handle the entire application process for you
- Fast approval decisions (often same day)
- Built specifically for flight training
- No prepayment penalties
- Flexible repayment terms up to 84 months
AOPA Pilot Finance
Backed by AOPAAOPA (Aircraft Owners and Pilots Association) offers financing through their dedicated pilot finance program. Great rates for AOPA members, and membership is affordable for student pilots.
- Special rates for AOPA members
- Established, trusted aviation organization
- Financing up to $150,000
- No aircraft or training restrictions
- Quick online application
- Dedicated aviation loan specialists
AOPA membership ($79/year) may be required for best rates
Apply NowStratus Financial
Pilot-Focused LendingStratus Financial is another established aviation lender offering competitive financing for flight training. They work with students at all credit levels and offer flexible qualification requirements.
- Options for various credit profiles
- Financing for all training programs
- Deferred payment options available
- In-school and post-training loan options
- Co-signer options to improve terms
- Dedicated student support team
Consider Your Local Bank First
Your existing banking relationship could unlock the best financing terms available.
Before applying with any flight training lender, we strongly recommend talking to your local bank, credit union, or personal banker. Why? Because they already know you.
Why Your Local Bank?
Existing Relationship Advantage
Banks offer better rates to established customers. If you've had accounts, car loans, or credit cards with them, you're already trusted.
Potentially Lower Rates
Personal loans or lines of credit from your bank often have lower APRs than specialized aviation lenders, especially for customers with good credit.
More Flexible Terms
Local banks may offer terms that aviation lenders can't—like interest-only periods, deferred payments, or custom payment schedules.
Faster Approval
When your banker already knows your financial history, approvals can be quick and straightforward.
How It Works
- 1Contact your bank about a personal loan or line of credit
- 2Tell them you're investing in career training (pilot certification)
- 3Get a rate quote and compare with aviation lenders
- 4If approved, pay us directly in thirds or in full
Where to Look
"I talked to my credit union before applying anywhere else. They gave me a rate 3% lower than the flight training lenders quoted. Saved me over $5,000 in interest."Recent GraduateFast Track Airline
Talk to Your Bank First
Then call us to discuss payment options
Fast Track Pay in Thirds
For our Fast Track programs, we offer an interest-free payment plan that lets you pay as you progress through training.
Split your Fast Track program cost into three equal payments tied to training milestones. This option keeps things simple and saves you money on interest charges.
Fast Track CFI
Fast Track Airline
Why Pay in Thirds?
Compare Your Options
Every student's situation is different. Here's how the options stack up.
| Feature | Pay in Thirds | Local Bank | US Flight Finance | AOPA Finance | Stratus Financial |
|---|---|---|---|---|---|
| Best For | Students with savings | Existing bank customers | Most students | AOPA members | Flexible credit needs |
| Down Payment | ~$23K-32K | Varies | $5,000+ | Varies | Varies |
| Interest Rate | 0% | 5-12% | 6.99-14.99% | 7.49-15.99% | 8.99-17.99% |
| Total Cost | Program price only | Potentially lowest | Competitive | Competitive | Higher range |
| Credit Needed | None | Good to excellent | Fair to good | Fair to good | Various profiles |
| Timeline | Immediate start | 1-2 weeks approval | Same day approval | 1-3 days approval | 1-5 days approval |
Financing FAQ
Common questions about paying for flight training
Can I use multiple financing sources?
Yes! Many students combine options. For example, you might use savings for the first third payment, then finance the remaining balance. Or use a bank loan for part and pay the rest over time. We're flexible—just talk to us about your situation.
What credit score do I need for financing?
It varies by lender. US Flight Finance typically approves scores of 650+. AOPA and Stratus work with a wider range. Your local bank may have different criteria. A co-signer can help if your credit is still building. We recommend checking with multiple lenders to find your best option.
Are there any grants or scholarships for flight training?
Yes! Several organizations offer aviation scholarships, including AOPA, EAA, Women in Aviation, and the Organization of Black Aerospace Professionals. We can provide a list of scholarships to explore. However, most scholarships are competitive and cover partial costs, so you'll likely still need financing for the majority.
Can I use a VA loan or GI Bill benefits?
We're approved for VA benefits! Veterans and eligible dependents can use GI Bill benefits for flight training. The process is different from civilian financing—contact our admissions team and we'll walk you through the VA approval process and what benefits cover.
What happens if I need to pause training?
Life happens. If you need to pause, your financing payments typically continue (you've already borrowed the money), but we'll work with you on a return-to-training plan. Some lenders offer deferment options. With pay-in-thirds, we can discuss adjusting the schedule. Communication is key—talk to us early if you foresee any issues.
Is flight training tax deductible?
Generally, flight training for a new career isn't tax deductible. However, if you're already working as a pilot and adding ratings to advance your career, those costs may be deductible. Consult a tax professional for your specific situation. Some students also use 529 plans or other education savings accounts.
How soon do I start paying back loans?
Most aviation loans require payments to begin immediately or within 30-60 days of disbursement. Some lenders offer deferred payment options or in-school deferment. With our pay-in-thirds option, you pay as you reach milestones, not on a fixed monthly schedule. Check with each lender for their specific terms.
Should I finance 100% or put money down?
A larger down payment means lower monthly payments and less total interest paid. However, keep an emergency fund—you don't want unexpected expenses to derail your training. Most students find a balance: put down what you comfortably can while keeping reserves, then finance the rest.
Still have questions?
Ready to Get Started?
Here's the recommended order for exploring your financing options:
Talk to Your Bank
Contact your local bank or credit union about a personal loan. Get a rate quote and terms.
Contact your bankGet Pre-Qualified
Apply with US Flight Finance to see what you qualify for. Pre-qualification doesn't affect your credit score.
Get Pre-QualifiedCompare Options
Review your quotes and discuss with our admissions team. We'll help you choose the best path.
Talk to AdmissionsStart Training
Once financing is in place, you can begin training within days. Let's get you flying!
Schedule VisitQuestions About Financing?
Our admissions team has helped hundreds of students find the right financing solution.