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Loans that match your lifestyle

Providing Exceptional Loans to Exceptional People.

Atlantic Horizon Capital provides best-in-class service from the beginning through the end of every loan by offering a seamless and the highest level of customer service for our valued clientele.

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Aircraft Loans

Are you looking to take to the skies with a new airplane or jet? At Atlantic Horizon Capital, we offer personal loans for your aircraft. We are committed to providing you with a competitive rate and terms for your next aircraft loan. Whether you want to purchase a new plane, refinance your existing aircraft, or upgrade to another model, we understand all the complexities of aircraft financing. We will work to help you get the best loan for your needs.

We Provide Options for Your Aircraft Loan

The aircraft must meet specific financing criteria when working with a traditional bank. Many factors can affect the valuation of the aircraft, such as the damage history, missing logbooks, new avionics, and FAA airworthiness directives. Additionally, your personal credit and history can determine whether you can get approval for a loan.

In many cases, some factors can affect your borrowing ability. Debt-to-income ratio is usually around 35% for most traditional loans. This ratio allows you to compare the loan’s total payments against the amount of income per month. Lenders use this debt-to-income ratio as a way to measure your debt. A low debt-to-income ratio will increase the applicant’s borrowing potential.

With an aircraft purchase, a credit score is another vital factor in approving a loan. Most traditional lenders will require the applicant to have a credit score of 720 or higher.

Aircraft loans are different from smaller loans. Often, the applicant needs enough liquidity to cover the purchase tax, hangar rent, down payment, insurance, and cash reserves for the aircraft.

Also, all applicants will need to verify their personal income with W2s, 1099s, tax returns, or personal financial statements.

Usually, many traditional lenders will require the applicant to have aircraft insurance for the full hull or ground in motion with a $1,000 or less deductible. The insurance must include a lien-holder endorsement as well.

With all those requirements, securing an aircraft loan can be challenging.

How Traditional Airplane Financing Works

We are able to provide personal finance loans for many types of planes, jets, and other aircraft. Many of these loans will require a down payment depending on the aircraft’s age, usage, and air hours.

At Atlantic Horizon Capital, we have many flexible options to finance your aircraft. We will tailor a solution that meets your specific financial requirements. Not only do you look for the best terms and rates, but you can also depend on our team to provide exceptional customer service during the loan process.


We Are Different Than Traditional Banks and Lenders

At Atlantic Horizon Capital, we will work with you. We will match you with the best rates and terms for your aircraft loan. Personal loans can be an ideal option for your situation. These loans have simple application requirements. You can fill out the form right at home. There is no need to speak with a loan officer or meet at a bank.

Our interest rates and terms are often competitive with those from a traditional lender. At Atlantic Horizon Capital, we are a convenient way to help you get the financing you need for your next aircraft purchase.

Another benefit of online personal loans is that they are processed faster than those from traditional banks or lenders. Often, we can have a decision for you in as little as a few days. With our help, we will find the best options for your next aircraft loan.

Types of Loan Amounts

Many of these aircraft loan amounts can vary. At Atlantic Horizon Capital, we can tailor a loan to meet your financial needs and help you close faster than those traditional methods. Some of the standard industry loans include:

Asset-Based Loans:

Asset-based loans are usually offered for those aircraft that are 10 years old or newer. The applicant can apply with a straightforward application. These loans are often limited, with no corporate or personal guaranty options available for the applicant. Also, there are few financial requirements for the loans. However, an applicant will need some type of collateral for the loan’s approval.

Credit-Based Loans:

If a client wants the maximum amount of leverage, then a credit-based loan could be a great option. Generally, these loans will allow the applicant to borrow up to 90% of the aircraft’s value. In some situations, up to 100% of the value may be approved for the loan.

Finally, exceptional clients could have other options than asset- or credit-based loans. They may be able to get better terms for their aircraft loans.

At Atlantic Horizon Capital, we offer many options when it comes time to secure a loan for your aircraft. If you want to learn more about the type of loans we can service, schedule a consultation with one of our personal loan officers.

How To Apply for Aircraft Financing

With Atlantic Horizon Capital, applying for your next aircraft loan is simple and convenient. All you have to do is complete an application. After that, you will want to complete the paperwork and submit the proper documentation. Our application process is easy and quick. You can get a loan approval in a few days.

At Atlantic Horizon Capital, our speedy and convenient process allows us to offer some of the best terms and rates in the aircraft loan business. We provide you with a convenient process so that you can quickly get the funding to purchase your next aircraft.


However, aircraft loans are not just about paperwork, documents, or approval. It is also focused on the customer service aspects of the process. From the application to closing, our loan team will help you every step of the way. If you ever have a question, you can count on us to provide you with exceptional customer service.

Get a Great Rate from Atlantic Horizon Capital

When you need financing for your aircraft purchase, reach out to Atlantic Horizon Capital for your next aircraft loan. We believe in providing you with the best terms and rates for your financing. With our fast and convenient application process, you can have a decision in as little as a few days. If you are ready to take to the skies, schedule a consultation with Atlantic Horizon Capital today.

Frequently Asked

Atlantic Horizon Capital has a dedicated team of Lenders with over 30 years of lending experience to guide you through the process.  Atlantic Horizon Capital’s goal is to provide you with Exceptional Service while obtaining the best rate and structure for your borrowing needs.

You can apply for a loan using our online application or you can call one of experienced lenders to walk you through the process

Absolutely!  In today’s age of technology Atlantic Horizon Capital understands that most buyers may not be available to “come in” and sign their loan documents.  We have harnessed today’s technology to make your closing experience as easy as possible. In most cases we can have you sign the closing documents in the privacy of your home and email the documents back to us.

In order to give a final approval, Lenders require that customers identify a particular aircraft due to loan to value considerations (Year, make, model length etc.).  In some cases, a pre-approval can be obtained based on your credit and financial statements.

Copies of Federal Tax Returns, bank statements and pay stubs are needed to show your ability to repay the loan. In addition, the Year, Make, Model & Length will also be needed. Having all this information readily available can help your loan get processed faster.

Once you have submitted an application to us and we have all of the financial documents we can usually receive an decision in 24-48 hours.

While new aircrafts generally offer a one year warranty, purchasing an extended warranty can help you save money in the long run.  We offer a wide range of Extended Warranties through United States Warranty Corporation, a 47 year old company that is well known in the industry that has helped thousands of aircraft owners over the years. Whether you are looking for an extended warranty covering your whole boat or just the engines, we offer warranties that will help you sleep better knowing you are covered.

Financing your Aircraft purchase allows you to free up cash that you would otherwise use to purchase your airplane.  By financing, you can spread the payments out over years so that you are comfortable with the payments. 

Yes, a portion of the payments are deductible. First, you have the expense of the aircraft itself. Since you obtained a loan to purchase the aircraft, the aircraft was considered paid for at that point.

Most aircraft loans require a minimum of 10% to 20% down payment, but 20% is the norm.  Down payment amounts can vary on a borrower’s financial qualifications and the loan amount.  In some cases, a poor credit score can be overcome by putting more money down and showing financial liquidity.

Yes, absolutely you can.  In many cases borrowers can finance up to an additional 20% of the aircraft’s value for additional add-ons or upgrades. Each Lender has a different threshold for the maximum amount you can add to your boat loan.

Debt to income ratio is a comparison of how much you owe with how much you earn.  It gives lenders an idea of what the risk to lend you money for your boat purchase would be.  The debt-to-income ratio is calculated by adding up all of your monthly debt payments (how much you owe) and dividing it by your gross income (what you earn). That number is then multiplied by 100 to express it as a percentage. An example would be your monthly debt payments are $4000 and your gross income is $12,000.  The $4,000 divided by $12,000 equals .3333 multiplied by 100 equals 33%.  For this example your debt to income is 33%.


The lower your debt-to-income ratio the better it is for you.  A lower ratio can help you obtain better rates and better terms.   Different Loans have different criteria, but typically a Lender wants to see a debt-to-income ratio of no more than 40%-50% including your boat payment.

Types of Loans We Offer

Boat Loans - Aircraft Loans - RV Loans

Still have Questions?

Getting the Right Loan for you has never been easier.

We offer borrowing solutions that can be customized to address your individual tax, cash flow and usage objectives. We regularly work with the industry’s leading manufacturers, servicers and key players, and are fully versed in the latest lending options available.

Providing exceptional service to exceptional people

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