Buy an aircraft. Without surrendering it to a bank for 20 years.
Light aircraft, turboprops, and small business jets cost $200K-$5M+. Traditional aviation lending requires 20-30% down, 5-15 year terms at 8-12% APR, and exposes the airframe as collateral. A savings club replaces the loan with a flat fee, no compound interest, no balloon, no surprises.
- No down payment
- Flat fee
- No airframe lien
Why traditional financing falls short here.
Aviation financing is the most expensive consumer-grade lending product in the United States. Lenders price the long airframe lifecycle, partial illiquidity, and uncertain residual values into rate sheets that make every annual inspection feel like a margin call. Savings clubs solve the financing problem the way pilots already solve maintenance: with predictable, flat-fee, member-pooled capital.
- Aviation loans typically run 8-12% APR, 200-400 bps over comparable auto loans.
- 20-30% down required on most light aircraft and twin-engine purchases.
- Balloon payments at year 5 or 10 are standard, refinance risk built in.
- Lender-required insurance + maintenance reserve agreements add ~$3K-$8K/yr in soft costs.
- Selling the aircraft mid-loan triggers prepayment penalties and lien-release delays.
HOW IT WORKS FOR AIRCRAFT
Four steps to owning.
- 1
Pick your aircraft tier.
Single-engine piston, twin, turboprop, or light jet. The savings club is structured around the value bracket of the airframe class you want.
- 2
Join the club.
Members pool monthly contributions into the same trust at US Bank. No down payment. No interest. The total cost is known on day one.
- 3
Receive your Purchasing Voucher.
On a predictable selection cadence, members receive vouchers for the full aircraft value. Use yours at any FAA-licensed dealer or private seller.
- 4
Own the airframe outright.
No bank lien. No balloon. No prepayment penalty. The airframe is yours from day one of ownership; you continue club contributions until your obligation is fulfilled.
NO BALLOON, NO MARGIN CALL
Flat-fee capital, the way pilots already run maintenance.
Aviation lenders build balloon payments and rate-cycle risk into every deal. A savings club replaces the loan with linear contributions to a total club obligation. No 5-or-10-year balloon, no maintenance-reserve escrow, and no bank lien on the airframe.
- No 5-or-10-year balloon refinance. Linear contributions to total obligation.
- No bank-mandated escrow for engine overhauls or annual inspections.
- Contributions in an irrevocable trust at US Bank under Jackson Hole Trust Company.
WHAT YOU GET
The difference.
Any FAA-airworthy airframe
Single-engine, twin, turboprop, light jet, savings clubs are configured per value bracket, not per make.
No down payment
Monthly contributions only. Conserve cash for the always-larger-than-budgeted operating bills.
Flat fee, known on day one
No compound interest. No rate-cycle exposure. Your total cost is set when you join.
No balloon refinance
No 5-or-10-year balloon. The structure is linear contributions to total club obligation.
No maintenance-reserve clause
No bank-mandated escrow for engine overhauls, prop overhauls, or annual inspections.
Trust-protected funds
Member contributions sit in an irrevocable trust at US Bank under Jackson Hole Trust Co.
THE MATH, SIDE-BY-SIDE
A $400,000 airframe, two ways to pay.
| Traditional financing | Savings.Club | |
|---|---|---|
| Down payment on $400,000 aircraft | $80,000 to $120,000 | $0 |
| Total cost over the term | $520,000 to $620,000 | $460,000 to $480,000 |
| Compound interest paid | $120,000 to $220,000 | $0 |
| Balloon refinance risk | Yes | No |
| Lien on airframe | Yes | No |
Illustrative comparison: $400K airframe, 12-year term, 9% APR aviation loan vs. flat-fee Savings.Club obligation. Actual savings depend on aircraft value, term, and current loan-rate environment.
QUESTIONS
Common questions.
Most FAA-certified airframes intended for personal or business use qualify, including single-engine piston, twin-engine, turboprop, and light business jet. Helicopters and experimental category are evaluated case-by-case.
Be first in line.
Join the waitlist and we'll email you the moment this club opens in your state.
Available in TX, FL, MA, and CT.