Coming Soon
Own your aircraft.
Flat fee. No interest.
From light sport aircraft to light jets, a savings club lets you build equity toward ownership with every payment. No 15–20% down payment, all credit profiles accepted, no interest charges. Every contribution goes toward owning the aircraft outright.
Cessna 172
Classic trainer
Cirrus SR22
Most popular single
King Air
Business turboprop
Van's RV
Homebuilt
The Problem
Aircraft ownership should be simpler.
Here's what pilots actually face.
6–8%
Typical APR
Traditional aircraft loans start at 6% APR even with excellent credit, with interest accruing daily. On a $300K aircraft, that is $100K+ in interest charges alone over 15 years. These are traditional market rates, not Savings.Club rates.
15–20%
Down payment required
Banks require $45K–$60K upfront on a $300K aircraft. That is capital that could be earning returns elsewhere or covering operating costs.
720+
Credit score minimum
Most aviation lenders require a 720+ FICO score. One late payment or high utilization and you are either denied or pushed to double-digit rates.
Lien
On your aircraft
The bank holds a lien on your aircraft for the entire loan term. Savings.Club also places a lien, same as any lender. The difference is the total cost: flat fee vs. years of accruing interest.
$15K+
Annual operating costs
Between annual inspections, insurance, hangar fees, engine reserves, and fuel, the last thing you need is a high monthly loan payment on top.
Limited
Lender options
Only a handful of banks specialize in aircraft lending. Limited competition means limited options and little incentive to offer better terms.
The Savings.Club Way
A flat fee. Not interest charges.
The math changes everything.
Instead of paying a bank 6–8% APR with interest that accrues daily for 15 years, you pay a flat fee that you know upfront. It never changes. It never accrues. And it applies to every credit tier equally.
Traditional Aircraft Loan
- 6–8% APR with interest that accrues daily
- 15–20% down payment required ($45K–$60K on $300K)
- 720+ credit score minimum
- Bank holds a lien on your aircraft
- Miss a payment, risk repossession
- Total cost: $400K–$500K+ on a $300K aircraft
Savings.Club Aircraft
- Flat fee. Known upfront. No interest charges.
- No down payment required
- All credit profiles accepted to join.
- We place a lien on the aircraft, same as any bank.
- Life happens flexibility built in
- Total cost: 30–50% less than any bank
Aircraft Types
From light sport to light jets.
One model for all of them.
Light Sport Aircraft
$150K – $350K
Two-seat, day-VFR aircraft perfect for recreational flying and flight training.
Single-Engine Piston
$250K – $800K
Cessna, Cirrus, Piper, Beechcraft. The backbone of general aviation.
Multi-Engine Piston
$500K – $2M+
Twins for serious cross-country flying. Baron, Seneca, and more.
Turboprops
$1M – $5M+
King Air, TBM, Pilatus PC-12. Speed and efficiency for business travel.
Light Jets
$2M – $10M+
Citation, Phenom, HondaJet. Owner-flown or single-pilot jets for business and personal travel.
eVTOL Vehicles
Emerging market
Electric vertical takeoff and landing. The future of urban air mobility.
Homebuilt Aircraft
$50K – $300K+
Already-completed experimental aircraft like Van's RV series, Glasair, and Lancair. We finance completed homebuilts that are flying, not kits to build yourself.
The Opportunity
Aviation is growing. Fast.
The general aviation market is expanding, eVTOL is creating an entirely new category, and more people than ever want to fly. The financing has not kept up.
$16.3B
Light aircraft market (2025)
$41.8B
eVTOL market by 2030
21.9%
eVTOL annual growth rate
$27.3B
Light aircraft market by 2032
Sources: Fortune Business Insights, Grand View Research, Yahoo Finance (2025–2026)
Early Advantage
The sooner you join, the sooner you benefit.
Waitlist members who join early start building their Savings Score before anyone else. When aircraft clubs open, they'll be at the front of the line.
Priority Access
Early waitlist members get first access when aircraft clubs open. Your Savings Score starts building from day one, giving you a head start over everyone who joins later.
Best Position
Members are assessed monthly on the 15th based on their Savings Score ranking. The earlier you start contributing, the higher your ranking when purchasing vouchers become available.
Lock In the Model
The flat fee model is the same regardless of when you join. But your position in the ranking is determined by how long you have been contributing. Time in the club matters.
Who This Is For
Three pilots. Three paths to ownership.
Student Pilot
$80K trainer aircraft
Start building toward ownership while you train. No down payment means more capital for flight hours.
Weekend Flyer
$250K Cirrus SR22
Skip the $37,500 down payment. Keep flying rentals while your Savings Score builds toward ownership.
Charter Operator
$1.2M light jet
Revenue from charter operations covers your monthly contribution while you build equity from day one.
Based on 15–20 year terms. Traditional: 15% down, 10% APR (AOPA financing survey). Savings.Club: $0 down, flat fee (varies by creditworthiness).
Own your aircraft sooner. Pay $174,948 less.
Traditional aviation financing requires a large down payment and charges interest that front-loads cost. With Savings.Club, your savings phase means the aircraft has not depreciated while you are building your position. The flat fee structure means you build equity faster and pay 30–50% less over the life of the obligation.
$813/mo
Savings.Club monthly vs. $1,448/mo traditional (plus $22,500 down payment)
$174,948
Total savings over the life of the obligation. That buys a lot of avgas.
40%
SC members reach positive equity at 40% of term. Traditional borrowers wait until 60%.
Based on a $150,000 single-engine piston aircraft. Traditional: 15% down ($22,500) at 10% APR / 20yr ($1,448/mo, total $369,948). Savings.Club: $0 down, flat fee ($813/mo, total $195,000). Depreciation: 7%/yr first 5 years, 3%/yr thereafter. Source: AOPA financing survey, Vref aircraft valuations.
Trust & Security
Your money is protected.
By design, not by promise.
Irrevocable Trust
Every common fund contribution goes into a legally separate, irrevocable trust. Savings.Club cannot access it, redirect it, or use it for any purpose other than member benefit.
Independent Trustee
Jackson Hole Trust Company, a licensed fiduciary, manages all fund transactions independently. They have a legal obligation to protect your money.
FDIC-Insured Bank Account
The trust's bank account is held at US Bank, providing federal deposit protection for member funds.
Member Governing Board
An elected board of members audits the trust, ensures compliance, and provides oversight beyond the independent trustee.
FAA Title Registration
Your aircraft is registered with the FAA in your name. Clear title from day one, just like any direct purchase. No lien complications beyond the standard security interest.
Pre-Purchase Inspection
Before acquisition, every aircraft undergoes a thorough pre-purchase inspection by an A&P/IA mechanic. Airworthiness is confirmed before funds are released from the trust.
Insurance Guidance
We connect you with aviation insurance specialists who understand owner-operated aircraft. Hull and liability coverage structured for your specific aircraft and mission profile.
Aircraft Loan vs. Aircraft Savings Club
Aviation financing is notoriously expensive. Here's how the numbers compare.
Example: $350,000 single-engine aircraft, 96-month term
Traditional rate: AOPA 2024 average aircraft financing rate (8.0%). Savings Club flat fee varies by creditworthiness — stronger profiles receive lower fees. Use our calculator for personalized estimates.
FAQ
Questions about aircraft clubs.
We are building the infrastructure now. Join the waitlist to be first in line when aircraft clubs launch. Early waitlist members will get priority access and start building their Savings Score (your activity-based ranking that determines when you receive your asset) before anyone else.
We plan to support light sport aircraft, single-engine piston, multi-engine piston, turboprops, light jets, and eVTOL vehicles as they become commercially available. New or pre-owned. Our goal is to be manufacturer-agnostic.
Traditional aircraft loans charge interest that accrues daily, require 15–20% down payments, demand excellent credit, and place a lien on the aircraft. Savings.Club uses a flat fee model with no interest charges, all credit profiles accepted, no down payment. We also place a lien on the aircraft, same as any bank, but the total cost can be 30–50% lower.
When aircraft clubs launch, we plan to offer refinancing options. If you currently have an aircraft loan with a high rate, you could potentially join a club, build your Savings Score, receive a purchasing voucher, and use it to pay off your existing loan at a fraction of the cost.
Savings.Club covers the acquisition cost of the aircraft. Ongoing operating costs like annual inspections, engine TBO reserves, insurance, hangar rental, and fuel are the owner's responsibility. However, by saving 30–50% on the purchase itself, you free up capital for these ongoing expenses.
Every common fund contribution goes into a legally separate, irrevocable trust managed by an independent trustee. The trust's bank account is held at US Bank, which is FDIC-insured. Savings.Club cannot access, redirect, or use your funds for any purpose other than member benefit. An elected Member Governing Board provides additional oversight.
Yes. Members can convert their savings club membership to a different asset type by contacting Savings.Club. Your contributions and position carry forward. This gives you flexibility if your plans change.
Available Now
Cannot wait? Start with what is open today.
Vehicle, commercial real estate, and savings clubs are accepting members now. Start building your Savings Score today.
Be first in line when aircraft clubs open.
Join the waitlist today. Early members get priority access, start building their Savings Score first, and will be at the top of the ranking when purchasing vouchers become available.