What Buyers Should Expect in 2025
Aircraft loan rates in 2025 continue to reflect broader credit markets, with lenders pricing based on cost of funds, risk appetite, and collateral type. Turboprops and newer light jets often see more favorable terms than older, unique, or higher‑time aircraft. Your rate is also influenced by credit strength, loan‑to‑value (LTV), and usage (Part 91 vs 135).
Key Drivers of APR
- Credit profile: FICO, debt‑to‑income, liquidity, and aviation experience.
- Collateral: Age, total time, maintenance status, market liquidity.
- Structure: Term length, amortization, balloon, payment frequency, and recourse.
- Economic context: Treasury yields and lender cost of capital.
Model Your Scenario
Use our aircraft loan calculator to compare structures: try monthly vs quarterly payments, different down payments, and an end‑of‑term balloon. Review the amortization schedule and export CSV for deeper analysis.