Aircraft financing on clear, fully amortized terms.
Fixed-wing or rotorcraft, financed with the discipline of any major purchase: a fixed rate, a defined term, and no balloon payment waiting at the end of the schedule.
Fixed rates from
9.99%APR with AutoPay*
Assumes excellent credit. Your rate is determined by your credit profile, amount, and term.
Checking your rate does not affect your credit score.
What it covers.
- A single-engine piston, light sport, or experimental aircraft
- A share buy-in to a partnership or flying club
- Avionics upgrades, a panel refit, or an engine overhaul
- Hangar setup, a fresh annual, and insurance binding
Why a Lightstream loan.
No balloon at the end
Specialty aircraft financing often ends in a large residual payment. A fully amortizing fixed-rate loan pays down to zero on a schedule you can see from day one.
A rate that doesn’t track the market
Aircraft lending rates move with a thin specialty market. A fixed personal-loan rate is set the day it funds and stays put for the full term.
Funds you control
Money in your account lets you buy from a dealer, a broker, or a private owner, and pay for a pre-buy inspection without a lender dictating the sequence.
No lien on the airframe
Unsecured financing means no lien recorded against the aircraft with the registry — simpler for a future sale, a partnership, or a move between bases.
Loan amounts and terms.
- Loan amounts
- $25,000 – $100,000
- Repayment terms
- 2–12 years
| Loan term | APR range with AutoPay* | Example payment per $10,0002 |
|---|---|---|
| 3 years | 9.99%–20.99% | $322.62/mo |
| 4 years | 10.79%–21.79% | $257.44/mo |
| 5 years | 11.69%–22.69% | $220.88/mo |
| 6 years | 11.69%–22.69% | $193.89/mo |
| 7 years | 12.79%–23.79% | $180.78/mo |
| 10 years | 12.79%–23.79% | $148.07/mo |
Funds can be received as soon as the same business day for applications approved before 2:30 p.m. Eastern time.¹
Frequently asked questions.
No. A secured aircraft lender underwrites the airframe — appraisal, logs, and a lien with the aircraft registry. Because this loan is unsecured, approval is based on your credit and income, and the pre-buy inspection is for your protection rather than a lender requirement.
Yes. Since funds are deposited to your account, a buy-in to a co-ownership or club is treated like any purchase — you pay your share directly, with no need for the other owners to involve their financing.
This purpose starts at a higher minimum and runs to the program ceiling, shown in the calculator. It fits many light piston and experimental aircraft and panel refits; a higher-value turbine purchase would exceed a personal-loan program.
Yes. Upgrades and overhauls are common uses — the loan does not need to be tied to an acquisition. Borrow the project amount and pay your shop directly from your account.
Related loan purposes.
Disclosures
*Loan terms vary by loan purpose, amount, term, and credit profile. The lowest advertised rates require excellent credit. 29.46% of approved applicants who applied for the lowest rate qualified for it, based on data from 01/01/2026 to 03/31/2026. The rate quoted includes the AutoPay discount; the AutoPay discount is only available prior to loan funding, and rates without AutoPay are 0.50% points higher. All loans are subject to credit approval; additional conditions and limitations apply. Advertised rates and terms are subject to change without notice.
¹Same-day funding is available if your loan is approved on a banking business day and, by 2:30 p.m. Eastern time, you complete these steps: (1) review and electronically sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; (3) complete the final verification process.
²Example payments are per $10,000 borrowed at the lowest APR shown for that term, include the AutoPay discount, and assume excellent credit. Your payment is determined by your amount, term, and credit profile.
Payment example: Monthly payments for a $10,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $309.87.
Maximum APR for a Lightstream loan is 25.39%. Loan terms range from 24 – 240 months depending on the loan purpose.