Own the airplane. Skip the loan.
For owner-pilots: single-engine pistons, twins, light turboprops. The same flat-fee model used for cars and homes, applied to the airplane you actually fly. No 12% aviation-loan APR, no balloon, no airframe lien.
- No down payment
- Flat fee
- Owner-pilot friendly
- Half-paymentEase off when the budget is tight, stay in the club.
- FreezePause contributions anytime. No penalty.
- Transfer or exitMove your membership or step out. Your money is in trust.
Why traditional financing falls short here.
Owner-pilots get the worst rates in personal finance, aviation loans typically run 8-12% APR, with 20% down, balloon payments at year 5 or 10, and lender-required maintenance reserves. The loan structure assumes the lender bears partial risk for the airframe lifecycle. A savings club lets you skip the lender entirely.
- Aviation loan APR typically 8-12%, significantly higher than auto loans.
- 20% down required on most piston and twin purchases.
- Balloon refinancing at year 5 or 10 is standard, exposing you to rate cycles.
- Lender-required maintenance reserves add $3K-$8K/year in soft costs.
- Selling the airplane mid-loan triggers prepayment penalties + lien-release delays.
HOW IT WORKS FOR PRIVATE AIRPLANES
Four steps to owning.
- 1
Pick your airframe class.
Single-engine piston, twin, light turboprop. Configured by airframe value bracket.
- 2
Join the club, no down payment.
Monthly contributions only. Total cost set on enrollment.
- 3
Receive your voucher.
Use it with any FAA-licensed dealer, broker, or private seller.
- 4
Own the airframe outright.
No lien. No balloon. No prepayment penalty. The plane is yours.
SKIP THE LENDER ENTIRELY
The car-and-home model, applied to the plane you fly.
Aviation lenders assume they bear partial risk for the airframe lifecycle, and they price it into 8-12% APR, 20% down, and a balloon at year 5 or 10. A savings club replaces all of it with linear contributions to a total club obligation and no airframe lien.
- No balloon. Linear contributions to total club obligation.
- No lender-mandated reserve for engine or annual inspection.
- Contributions held in trust at US Bank under JHTC.
WHAT YOU GET
The difference.
Owner-pilot friendly
Configured around the airframes owner-pilots actually buy.
No down payment
Conserve cash for the always-larger-than-budgeted operating bills.
Flat fee
No compound interest. No rate-cycle exposure.
No balloon
Linear contributions to total club obligation. No 5-or-10-year refi.
No maintenance escrow
No lender-mandated reserve for engine or annual inspection.
Trust-protected funds
Contributions held in trust at US Bank under JHTC.
THE MATH, SIDE-BY-SIDE
A $250,000 single-engine, two ways to pay.
| Traditional financing | Savings.Club | |
|---|---|---|
| Down payment on $250,000 single-engine | $50,000 (20%) | $0 |
| Total cost over the term | $340,000 to $400,000 | $285,000 to $300,000 |
| Compound interest paid | $90,000 to $150,000 | $0 |
| Balloon refinance risk | Yes | No |
| Airframe lien | Yes | No |
Illustrative: $250K single-engine, 12-year aviation loan at 10% vs. flat-fee Savings.Club obligation. Actual savings vary by airframe value, term, and current loan rate.
QUESTIONS
Common questions.
Most FAA-certified aircraft for personal use, single-engine piston, twin, light turboprop. Light jets and helicopters fall under the broader Aircraft Savings Clubs program.
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.