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Strengthen the File
- Review credit, liquidity, and DTI; address issues early.
- Organize aircraft logs, maintenance status, and valuation support.
- Provide complete, consistent documentation to avoid delays.
Collateral & LTV
Pick liquid models in strong maintenance standing; engine programs may help. Read LTV & Appraisals and be prepared for a 10–25% down payment to optimize approval and pricing.
Structure
Align term, frequency, and balloons with cash‑flow needs. Consider fixed vs variable based on horizon and risk tolerance.
Compare Before You Commit
Use the calculator to compare APR, term, frequency, and balloon across lenders. Export CSVs and evaluate total cost, prepayment terms, and flexibility. See Compare Offers.
FAQs
Do I need perfect credit?
No; compensating factors like lower LTV and strong liquidity can offset. Focus on a complete, organized file.
How much liquidity should I show?
Many lenders like to see 6–12 months of payments in reserve plus operating reserves.