Flight Training Financing for Aspiring Pilots
No Limit. Just Lift-Off!
Your Aviation Dreams Start Here
We partner with Stratus Financial to give our students access to flight training financing options designed specifically for aviation education. Stratus looks beyond the typical FICO score and evaluates each applicant as an individual.
We offer exceptional lending packages, including:
- Competitive rates for pilots going from zero flight hours to a professional pilot certification
- Full financing for your entire flight training and more
- Affordable payment options, including deferred payment periods while you complete your training and find a job
- Pay your loan off any time you want with no consequences or penalties whatsoever
Who is Stratus Financial?
Stratus Financial was founded by FAA-certified Flight and Ground Instructors who are passionate about helping others pursue aviation careers. Their experience as aviation instructors shaped their mission to support future pilots through specialized financing. Stratus Financial specializes in financing for aviation training programs.
Their mission is to make aviation loans for flight training more accessible through financing programs designed specifically for aviation education. Stratus focuses on helping students prepare for training, complete certifications, and move forward toward professional opportunities in aviation.
That is why Stratus was created. Because with Stratus, the sky is no longer the limit.
Stratus Has You Covered For Resources For Your Aviation Career
- Counseling with our team of flight instructors and ground instructors to support you through flight training, check rides and interviews with airlines.
- Resume reviewing, editing, and building.
- AMA Phone Calls with Pilots in the 121 and 135 Industry – What It’s like, How They Got Their Job, etc.
- We look forward to helping you achieving your aviation dreams and seeing you in the sky!
- If you are interested in getting started apply below. If you have limited credit or low income you may need a Co-Borrower; if so, please have your co-borrower complete their application below.
Understanding the Investment in Flight Training
Professional flight training involves multiple stages and requires financial planning. Flight training costs vary widely depending on certification path, training pace, and individual goals.
Pilot training loans or flight training financing programs can help students manage the cost of training by providing structured funding rather than paying expenses individually over time.
What Your Financing May Cover
Flight training involves several types of educational and training expenses. Student loans for flight training are designed to help students access funding for their program.
Financing through Stratus Financial may support the following Jeff Air Pilot Services programs:
- Private Pilot License (PPL), including ground school
- Instrument Rating
- Commercial Pilot License (CPL)
- Multi-Engine Rating
- Certified Flight Instructor (CFI) course
Funding availability and coverage depend on the specific financing program and approval terms. Details are confirmed during application review.
Financing Options Through Stratus Financial
Stratus Financial offers aviation loans for flight training created specifically for individuals pursuing pilot certifications and aviation careers.
Financing features may include:
- Funding for flight training programs
- Payment structures to support training
- The ability to repay loans early without penalties
- The possibility of deferred payment periods during training
All financing terms, structures, and conditions are determined at the time financing is finalized.
Payment and Repayment
Repayment details depend on the financing program and individual approval terms. Some pilot financing programs may offer deferred payment periods during training.
Borrowers receive full details regarding repayment schedules, payment timing, and loan terms before finalizing financing.
There are no penalties for paying off the loan early.
Eligibility: Who Can Apply?
Loans to become a pilot through Stratus Financial are available to individuals pursuing aviation training. Financing applications are reviewed based on multiple factors, and eligibility is established at the time of approval.
Some applicants, particularly those with limited credit history or income, may apply with a Co-Borrower. The lender determines approval decisions based on the full application review.
How the Financing Process Works
The flight training financing process typically includes the following steps:
Submit an application
Apply below. If applying with a Co-Borrower, have them complete their own separate application at the same time.
Application review by the lender.
Stratus considers more than traditional credit scores and reviews each application based on multiple individual factors.
Approval decision and Financing Terms.
Full loan details, repayment structure, and terms are provided before you finalize anything.
Funding for approved training.
Funding is provided according to the approved financing terms.
Our team can help guide you through each step.
Support Throughout Your Journey
Financing is one part of preparing for an aviation career. Students also have access to support resources to help them move forward with training and professional development.
Available support may include:
Flight Training and Checkride Counseling
Financing is one part of preparing for an aviation career. Students also have access to support resources to help them move forward with training and professional development.
Pilot Resume Review and Building
Resume reviewing, editing, and building to help you present yourself the way airlines want to see you, from your first application through your career.
Conversations with Professional Pilots
Opportunities to speak with pilots currently working in the industry about their experience, how they got hired, and what the job is really like.
These resources are intended to help students prepare for the next stage of their aviation journey.
Start Your Application
If you are interested in applying for flight training financing, you can begin the process today. If you have limited credit or income, a Co-Borrower may be required. If so, the Co-Borrower will need to complete a separate application. We look forward to helping you achieve your aviation dreams and seeing you in the sky.
FAQs
What makes Stratus Financial different from other Flight Training lenders?
Rather than applying a hard credit approval standard, Stratus considers more than traditional credit scores when reviewing applications and evaluates each applicant individually, looking at you as an aviator and not just a number on a report. The founders understand that a credit score does not define a pilot’s potential and built Stratus around that belief.
Do I need a good credit score to apply for a Flight Training Loan?
Stratus Financial looks beyond the typical FICO score. Applications are reviewed based on multiple individual factors rather than a single credit threshold. If you have a limited credit history or a lower income, applying with a Co-Borrower can significantly strengthen your application. The lender determines eligibility during the application review process.
What is the payment deferment option?
Some Stratus financing programs may offer deferred payment periods during flight training. This means you may be able to focus entirely on your training before repayment begins. Full details on deferment availability and terms are provided during the application review process.
Are there any penalties for paying off my loan early?
No. There are no penalties for paying off your loan early, at any time, in any amount. Borrowers are free to repay early without any consequences whatsoever.
What Flight Training programs can a Stratus loan be used for?
Stratus Financial offers financing programs specifically designed for aviation training and education. Financing may support the Jeff Air training programs listed above, including Private Pilot License, Instrument Rating, Commercial Pilot License, Multi-Engine Rating, and Certified Flight Instructor course. Coverage details are established at approval and disclosed in your loan agreement. Contact our team to confirm whether your specific training path qualifies.
What is a Co-Borrower and do I need one?
A Co-Borrower is someone, often a parent, spouse, or trusted family member, who applies for the loan alongside you. Their financial profile is considered together with yours, which can strengthen your application. A Co-Borrower is not required for all applicants, but may be necessary if you have limited credit history or income. If you need one, please have them complete a separate application at the same time as yours.
How is a Stratus Flight Training Loan different from a regular student loan?
Stratus financing programs are specifically created for aviation training by FAA-certified Flight and Ground Instructors who have shared the same journey as aspiring pilots. The result is a flight training financing experience with an individual application review, repayment structures based on financing terms, and career support resources offered alongside financing.
How do I get started with Flight Training Financing?
Apply using the form below. If you are applying with a Co-Borrower, please have them complete a separate application at the same time. Our team is available to help with any questions along the way.