Aircraft loan comparison

Compare the offer. Understand the trade-offs.

A lower payment is one piece of the decision. Compare interest, fees and the debt you still owe over the same period.

Your planning workspace

Start with the numbers.

No sign-up. Calculations stay in your browser.

Build your loan scenario

Four inputs to start. More detail when you need it.

01 / Purchase

Aircraft purchase price$ Down payment%$50,000 cash toward the price Annual interest rate%Your contract rate, excluding fees. Amortization periodyears

Starting figures are editable examples, not current rates or lender terms.

Taxes, fees & trade-in Optional

Purchase tax rate (%) Taxable purchase base Total fixed closing fees ($) Origination fee (% of price) Trade-in value ($) Existing trade-in loan payoff ($)

Include purchase tax in the loan Include closing fees in the loan

State tax and trade-in treatment depend on the transaction. Check the state tax guides. A zero rate means no tax has been entered.

Loan maturity & payment options Advanced

Loan matures before the amortization period ends

Maturity (years)Balance remaining is due at maturity. Target balloon at amortization end ($) Interest-only monthsLater payments recast within the original term. Extra principal per payment ($) Payment frequency Interest compounding First payment date Assumed resale value at maturity ($)Used only for equity before the balloon.

Payments are one part of the plan.Add fuel, hangar, insurance and maintenance reserves.

Payment schedule & rate sensitivity Explore the detail

Your loan, payment by payment

Amounts are estimates before lender-specific rounding or daily interest.
Payment	Date	Scheduled payment	Interest	Principal	Balance	Balloon due

What if the interest rate changes?

All other scenario settings stay the same. These are hypothetical rates.

Read the result with confidence

What the numbers mean.

01 / METHOD

Choose a common horizon

Use the number of years you realistically expect to own the aircraft, on or before either loan matures. Both offers use the same purchase price, down payment and tax inputs.

02 / METHOD

Read two different totals

Financing cost is interest plus fees through the horizon. Cash paid plus payoff adds your closing cash, scheduled payments and the remaining debt. These measures answer different questions.

03 / METHOD

Check the commitment letter

The tool does not price prepayment penalties, collateral restrictions, variable-rate resets or lender covenants. Compare those terms in the written offers before treating one as the better fit.

Read the full calculation method and editorial policy.

Compare the offer. Understand the trade-offs.

Start with the numbers.

Build your loan scenario

The cost beyond your payment

Look past the monthly payment

A purchase budget that leaves room

Is a refinance worth it?