News & Media Aircraft loan interest rates decline

Aircraft loan interest rates decline

Welcome news for buyers

January 22, 2026 By Sylvia Schneider Horne

If you’re in the market for an aircraft, AOPA Finance has welcome news for you: Finance rates are dropping.

Photo by Chris Rose.
Photo by Chris Rose.

After a period of higher borrowing costs, lenders are clearly signaling they’re eager to put deals on the books in the new year—and buyers are starting to reap the benefit.

“We’re now seeing aircraft finance rates in the low 6 percent range, a shift that can reduce monthly payments and overall borrowing costs. For many buyers who have been waiting on the sidelines, this change could make the difference between planning and purchasing,” said AOPA Finance Director of Credit and Sales Brian Macbean.

Offering aircraft financing to members for over 20 years, AOPA Finance’s loan specialists help potential borrowers with several loan structures, favorable fixed rates, 5- to 20-year terms, and auto-pay options. Transactions cover a spectrum ranging from first-time buyers and business aircraft to turbine aircraft. Request a quote online or call 800-627-5263 to speak with a representative.

Lower rates could also hint at competition among lenders, who are now motivated to fund aircraft purchases for qualified buyers and create an advantageous environment for financing across a range of aircraft types.

So if you’ve been flirting with the idea of owning an aircraft, this is the moment to get serious about it. Take advantage of the dropping rates and call AOPA Finance to get a customized quote.

Our experts are available to help with advice and good rates.

The National Business Aviation Association said that recent guidance from the Internal Revenue Service possibly expands bonus depreciation, a tax incentive allowing businesses to deduct often 100 percent of the cost of new or used assets, to include aircraft used predominantly for business travel, “delivered on or after that date [January 20, 2025] when a purchase agreement was executed before then.”

“Accordingly, a taxpayer that signed a written binding aircraft purchase contract on or before Jan. 19, 2025, and before construction of the aircraft began, but took delivery of the aircraft (i.e., transfer of title) after Jan. 19, 2025, may be eligible for 100 percent bonus depreciation,” according to the NBAA resource.

NBAA advises aircraft owners to discuss applicability with legal and/or tax counsel, as it may differ depending on accrual and cash basis.

NBAA will further discuss this topic at its Business Aviation Taxes Seminar on April 28 in Denver.

Sylvia Schneider Horne
Digital Media Editor
Sylvia Schneider Horne is a digital media editor for AOPA's eMedia division.
Go to Sylvia Schneider Horne's Profile
Topics: Taxes, Financial, Ownership

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