Understand the commitment
If you compare financing, compare the whole agreement.
American Aviation does not offer flight-training loans and is not affiliated with a pilot-loan program. We publish cash/check and card rates and collect payment per flight. Financing is a personal decision; evaluate an offer from the lender's written terms rather than its monthly payment or advertised program length alone.
Questions to put to any lender and school
- What is the APR, including fees, and is it fixed?
- What is the total repayment over the full term?
- When are funds disbursed to the school?
- What happens to undelivered training funds if plans change?
- What do the refund and dismissal terms say?
- How long does the program actually allow for?
Loan terms, school agreements and student outcomes differ. Read the contract, payment schedule, cancellation policy and refund rules before signing; ask how the schedule handles weather, aircraft availability, retakes and training delays.
Put the numbers side by side
These are conditional comparison budgets supplied for planning, not results for every financing provider or flight school.
- Zero-time through Commercial + CFI at a financed school
- $110,000+ upfront program budget
- Example total paid over a loan term with interest
- $250,000–$300,000
- 60 hours dual here, at the starting cash/check dual rate
- $9,900
- Supplied comparison budget for 60 dual hours elsewhere
- $25,000–$40,000
The 60-hour figures compare the stated hourly basis only. A complete program budget depends on aircraft, experience, training requirements and contract terms.