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Aircraft Loan Calculator

Aviation financing is a specialty market. Model your debt before you get your logbook out — and use aviation-specific lenders.

Loan Inputs

Typical: $30k–$500k+
Aviation rates typically 5–9%
120–240 months (10–20 yrs)
Extra Payment (Optional)
Added on top of regular payment
Monthly Payment
$580.54
120 payments  •  10 yrs  •  7% APR
This loan costs you 39.3% of the purchase price in interest — $19,665 over 10 years.
Total Paid
$69,665
Total Interest
$19,665

Use aviation-specific lenders

AOPA Finance and Dorr Aviation Credit Union specialize in aircraft loans and routinely offer better rates and terms than general-purpose banks. They understand avionics, airframe age, and annual inspection requirements as collateral factors — general lenders often don't.

Term Comparison

Same $50,000 loan at 7% APR — current selection highlighted.
TermMonthly PaymentTotal InterestInterest % of Loan
48 mo (4 yrs) $1,197.31 $7,471 14.9%
60 mo (5 yrs) $990.06 $9,404 18.8%
72 mo (6 yrs) $852.45 $11,376 22.8%
84 mo (7 yrs) $754.63 $13,389 26.8%
120 mo (10 yrs) current $580.54 $19,665 39.3%
144 mo (12 yrs) $514.19 $24,043 48.1%

Down Payment Sensitivity

Effect of borrowing less by putting more down.
Extra DownLoan AmountMonthly PaymentMonthly SavingsInterest Saved
Baseline current $50,000 $580.54 ——
+$2,500 (5% more) $47,500 $551.52 -$29.03/mo $983
+$5,000 (10% more) $45,000 $522.49 -$58.05/mo $1,967
+$7,500 (15% more) $42,500 $493.46 -$87.08/mo $2,950
+$10,000 (20% more) $40,000 $464.43 -$116.11/mo $3,933

Amortization Schedule

120 payments  •  Final payoff Jun 2036
Mo.BalancePaymentInterestPrincipal
1$50,000$580.54$291.67$288.88
2$49,711$580.54$289.98$290.56
3$49,421$580.54$288.29$292.26
4$49,128$580.54$286.58$293.96
5$48,834$580.54$284.87$295.68
6$48,539$580.54$283.14$297.40
7$48,241$580.54$281.41$299.13
8$47,942$580.54$279.66$300.88
9$47,641$580.54$277.91$302.64
10$47,339$580.54$276.14$304.40
11$47,034$580.54$274.37$306.18
12$46,728$580.54$272.58$307.96
13$46,420$580.54$270.78$309.76
14$46,110$580.54$268.98$311.57
15$45,799$580.54$267.16$313.38
16$45,485$580.54$265.33$315.21
17$45,170$580.54$263.49$317.05
18$44,853$580.54$261.64$318.90
19$44,534$580.54$259.78$320.76
20$44,213$580.54$257.91$322.63
21$43,891$580.54$256.03$324.51
22$43,566$580.54$254.14$326.41
23$43,240$580.54$252.23$328.31
24$42,912$580.54$250.32$330.22
25$42,581$580.54$248.39$332.15
26$42,249$580.54$246.45$334.09
27$41,915$580.54$244.50$336.04
28$41,579$580.54$242.54$338.00
29$41,241$580.54$240.57$339.97
30$40,901$580.54$238.59$341.95
31$40,559$580.54$236.60$343.95
32$40,215$580.54$234.59$345.95
33$39,869$580.54$232.57$347.97
34$39,521$580.54$230.54$350.00
35$39,171$580.54$228.50$352.04
36$38,819$580.54$226.45$354.10
37$38,465$580.54$224.38$356.16
38$38,109$580.54$222.30$358.24
39$37,751$580.54$220.21$360.33
40$37,390$580.54$218.11$362.43
41$37,028$580.54$216.00$364.55
42$36,663$580.54$213.87$366.67
43$36,297$580.54$211.73$368.81
44$35,928$580.54$209.58$370.96
45$35,557$580.54$207.42$373.13
46$35,184$580.54$205.24$375.30
47$34,809$580.54$203.05$377.49
48$34,431$580.54$200.85$379.69
49$34,051$580.54$198.63$381.91
50$33,669$580.54$196.41$384.14
51$33,285$580.54$194.16$386.38
52$32,899$580.54$191.91$388.63
53$32,510$580.54$189.64$390.90
54$32,119$580.54$187.36$393.18
55$31,726$580.54$185.07$395.47
56$31,331$580.54$182.76$397.78
57$30,933$580.54$180.44$400.10
58$30,533$580.54$178.11$402.43
59$30,130$580.54$175.76$404.78
60$29,726$580.54$173.40$407.14
61$29,319$580.54$171.02$409.52
62$28,909$580.54$168.64$411.91
63$28,497$580.54$166.23$414.31
64$28,083$580.54$163.82$416.73
65$27,666$580.54$161.39$419.16
66$27,247$580.54$158.94$421.60
67$26,825$580.54$156.48$424.06
68$26,401$580.54$154.01$426.53
69$25,975$580.54$151.52$429.02
70$25,546$580.54$149.02$431.53
71$25,114$580.54$146.50$434.04
72$24,680$580.54$143.97$436.57
73$24,244$580.54$141.42$439.12
74$23,804$580.54$138.86$441.68
75$23,363$580.54$136.28$444.26
76$22,919$580.54$133.69$446.85
77$22,472$580.54$131.08$449.46
78$22,022$580.54$128.46$452.08
79$21,570$580.54$125.83$454.72
80$21,115$580.54$123.17$457.37
81$20,658$580.54$120.51$460.04
82$20,198$580.54$117.82$462.72
83$19,735$580.54$115.12$465.42
84$19,270$580.54$112.41$468.13
85$18,802$580.54$109.68$470.87
86$18,331$580.54$106.93$473.61
87$17,857$580.54$104.17$476.38
88$17,381$580.54$101.39$479.15
89$16,902$580.54$98.59$481.95
90$16,420$580.54$95.78$484.76
91$15,935$580.54$92.95$487.59
92$15,447$580.54$90.11$490.43
93$14,957$580.54$87.25$493.29
94$14,464$580.54$84.37$496.17
95$13,968$580.54$81.48$499.07
96$13,468$580.54$78.57$501.98
97$12,966$580.54$75.64$504.90
98$12,462$580.54$72.69$507.85
99$11,954$580.54$69.73$510.81
100$11,443$580.54$66.75$513.79
101$10,929$580.54$63.75$516.79
102$10,412$580.54$60.74$519.80
103$9,893$580.54$57.71$522.84
104$9,370$580.54$54.66$525.89
105$8,844$580.54$51.59$528.95
106$8,315$580.54$48.50$532.04
107$7,783$580.54$45.40$535.14
108$7,248$580.54$42.28$538.26
109$6,709$580.54$39.14$541.40
110$6,168$580.54$35.98$544.56
111$5,623$580.54$32.80$547.74
112$5,076$580.54$29.61$550.93
113$4,525$580.54$26.39$554.15
114$3,971$580.54$23.16$557.38
115$3,413$580.54$19.91$560.63
116$2,853$580.54$16.64$563.90
117$2,289$580.54$13.35$567.19
118$1,722$580.54$10.04$570.50
119$1,151$580.54$6.71$573.83
120$577$580.54$3.37$577.18

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