Aircraft Financing, Simplified

Buying a plane or helicopter is a bigger commitment than most loans you've taken out before — and it deserves financing that's built for it, not a generic personal loan stretched to fit. Smart RV Finance offers aircraft financing with terms structured around the asset you're actually buying, a straightforward online application, and the same 24/7 access you'd expect from an RV or boat loan with us.


Whether you're financing a first single-engine piston plane or moving up to a turboprop or light jet, we work with buyers to structure a loan that matches how the aircraft will be used and how long you plan to keep it.

How Aircraft Financing Works

Aircraft loans are underwritten differently than auto or RV loans because the asset, usage, and buyer profile vary so widely — a weekend flyer financing a two-seat piston plane looks very different on paper than a business financing a turboprop for regular travel. That's why we start with a conversation, not a generic rate table.


  • Loan amounts and terms are sized to the aircraft's age, make/model, and intended use (personal vs. business)
  • Both new and pre-owned aircraft are eligible
  • Pre-qualification is available before you've settled on a specific aircraft
  • Applications are completed online, and our team is available to answer questions 24/7

Types of Aircraft We Finance

We finance a range of general aviation and light business aircraft, including:


  • Single-engine piston aircraft
  • Multi-engine piston aircraft
  • Turboprops
  • Light jets
  • Helicopters


Loan structures differ across these categories — a light jet loan, for example, will typically involve a longer term and different documentation than a single-engine piston plane. We'll walk you through what applies to your specific purchase.

Be Smart About Your Financing

Aircraft financing is one of the categories where buyers most often shop rate alone and miss the bigger picture — term length, prepayment terms, and how the loan is structured against usage all matter as much as the number on the rate sheet. We take an educational approach: before you sign anything, you'll understand exactly what you're agreeing to and why it fits your situation.

How to Apply

  • Complete our online aircraft financing application — available 24/7
  • Get pre-qualified, with or without a specific aircraft identified yet
  • Work with a financing specialist to finalize terms once you've found your aircraft
  • Close and take delivery


Ready to get started? Apply online any time, day or night, or reach out to a financing specialist with questions before you apply.

Aircraft Financing FAQs

1. What documentation do I need to apply for aircraft financing?

Most applicants need proof of income, a form of ID, and details on the aircraft (or the type of aircraft you're considering, if you haven't found one yet). Business applicants may also need to provide entity documentation and financial statements.

2. Do you finance both new and pre-owned aircraft?

3. How are aircraft loan terms different from RV or boat loans?

4. What credit score is needed for aircraft financing approval?

5. Can I get pre-qualified before I find a specific aircraft?

6. Is aircraft financing available for personal and business use?

Serving Aircraft Buyers Across the Midwest

Smart RV Finance provides online Aircraft, and aftermarket service contract financing support to customers nationwide, with a focus on the following areas:

Key Service Areas

  • Detroit, MI
  • Chicago, IL
  • Cincinnati, OH
  • Cleveland-Akron, OH
  • Indianapolis, IN
  • Columbus, OH
  • Grand Rapids, MI

Don't see your city listed? Smart RV Finance offers online access 24/7 and supports customers throughout the United States.

Start Your Aircraft Financing Journey Today

Smart RV Finance makes it easier to begin the financing process online. Whether you are preparing to purchase an RV, camper, travel trailer, boat, or aircraft, our platform is built to help you get started.