Updated . Educational only — not tax, legal, or lending advice. Confirm figures with your CPA, the state revenue department, and a lender before you close.
2025 Is Not the Current Rate Page
If you want the current orientation, read aircraft loan rates in 2026. This page used to be written as a forward look. Kept as a 2025 page, its only honest job is to stop that old framing from being quoted as today’s market.
This site did not publish a sourced average APR for 2025, and it will not invent one now. What remained true through that period, and is still how you read any old quote, is the structure of the price:
- Credit and liquidity of the borrower.
- Collateral liquidity: a current-production piston or a PC-12 is not an experimental or a run-out twin.
- Term, amortization, and balloon. A lower payment from a balloon is not a lower rate.
- Fixed versus variable, and which index the variable uses.
- Use. Part 135 and leaseback are priced differently from personal Part 91.
On January 22, 2026, AOPA reported that AOPA Finance was seeing aircraft finance rates in the low 6 percent range, with terms commonly offered from 5 to 20 years, after a period of higher borrowing costs. If you are holding a 2025 quote, put that quote and a current written quote into the calculator as two cases. The difference in total interest is the only comparison that matters. Do not average them.
Questions buyers actually ask
So what was the average aircraft loan rate in 2025?
This site does not have a sourced average, and a single average would hide the spread between a new piston and a tired twin. Ask lenders for their sheet if you need a retrospective.
Should I throw away a 2025 pre-approval?
It is already expired. Get a new one. Use the old paper only as a checklist of what the lender asked for.