Helicopter Loans For Good & Bad Credit
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Can you get a loan for a helicopter?
Yes, you can get a loan for a helicopter—whether it’s for personal, business, or recreational use, if you qualify. Helicopter loans are available through specialty aviation lenders, banks, credit unions, and even personal loan providers. Depending on your financial profile and the type of aircraft you’re purchasing, financing a helicopter can be more accessible than you might expect.
In fact, many helicopter buyers choose to finance rather than pay cash, so they can preserve liquidity while still acquiring the aircraft they need. From private pilots to charter companies, financing can make helicopter ownership more attainable and budget-friendly.
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Helicopter Loans for Bad Credit: Frequently Asked Questions
How does helicopter financing work?
Helicopter financing works similarly to other types of vehicle or equipment loans. You borrow a set amount from a lender to purchase a new or used helicopter, then repay the loan in fixed monthly installments over a predetermined term.
There are typically two main types of financing to consider:
- Secured aircraft loans – These loans are backed by the helicopter itself as collateral. If you default, the lender can repossess the aircraft. These usually come with lower interest rates and longer repayment periods.
- Unsecured personal loans – These don’t require collateral and can be used for a wide range of expenses, including helicopter purchases. They’re a good option for borrowers with strong credit who want faster approval or don’t want to tie the loan directly to the aircraft.
Some lenders may also offer lease options or balloon payment structures, where you make lower payments during the repayment period and pay a lump sum at the end.
Can I get a helicopter loan with bad credit?
Yes, it is possible to finance a helicopter with bad credit, though your options may be more limited. Traditional lenders often require strong credit due to the high loan amounts and risks involved in aviation financing. However, some lenders cater to a broader range of credit profiles—including borrowers with fair or poor credit—especially if you’re able to provide a large down payment or use a co-signer.
If you’re applying with less-than-perfect credit, consider these tips to improve your chances:
- Apply with a co-signer who has good credit
- Offer a higher down payment to reduce lender risk
- Compare multiple offers to find flexible offers
- Focus on lenders who evaluate factors beyond credit score, such as income, experience, or business use
Keep in mind that interest rates may be higher, but successfully repaying a helicopter loan could help rebuild your credit over time.
What credit score do you need for a helicopter loan?
Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above. However, credit score requirements can vary widely based on the lender, loan amount, and whether the aircraft is new or used.
Here’s a general breakdown of FICO® scores:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
Offers are more likely to be returned for borrowers with fair or better credit. Beyond your credit score, lenders will also look at your debt-to-income ratio, employment history, and financial reserves, especially for large loan amounts.
What are typical helicopter loan rates?
Helicopter loan interest rates can vary significantly based on factors like your credit score, down payment, repayment period, and the lender you choose.
In general, loans secured by the helicopter itself may offer more competitive rates compared to unsecured personal loans, which carry more risk for lenders. Rates may also be higher for older or heavily-used aircraft, or if your credit profile falls below the “good” range.
If you're using a personal loan to finance your helicopter, keep in mind that these loans typically come with slightly higher rates than traditional aircraft loans—since they aren't backed by collateral.
The best way to find a loan that fits your budget is to compare offers from multiple lenders. With Acorn Finance, you can check pre-qualified offers from top lenders without impacting your credit score—helping you explore your options with confidence.
How much can I finance with a helicopter loan?
The amount you can finance depends on several factors, including your credit profile, the lender’s criteria, and the type of helicopter you're purchasing. Personal loans may offer funding up to $100,000, while secured aircraft loans can support much larger amounts.
Several factors can influence how much you’re approved to borrow:
- Your credit score and overall financial profile
- The appraised value and condition of the helicopter
- Down payment amount (secured loans)
- Whether the aircraft is new or used (secured loans)
- Intended use—personal versus commercial (secured loans)
If you're using a personal loan, your financing may be capped, but it can still be a smart way to cover part of the purchase or fully fund a smaller or older aircraft. For larger purchases, a secured loan may offer the flexibility and higher borrowing limits needed to complete the transaction.
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How long are helicopter loan terms?
Helicopter loan terms typically range from 5 to 20 years, depending on the lender, loan amount, and type of financing. Longer repayment periods can help reduce your monthly payments—but may result in higher total interest costs over time.
If you're using a personal loan, repayment periods are usually shorter—often capped around 12 years, though this can vary by lender and offer.
When reviewing loan options, it’s important to choose a repayment timeline that fits your budget and aligns with your goals—whether you're financing for personal enjoyment, business use, or long-term investment. A well-structured loan can help you manage cash flow while keeping your financial plans on course.
Can I use helicopter finance for a used aircraft?
Yes, many lenders allow financing for used helicopters—as long as the aircraft meets certain requirements. These may include:
- Proof of FAA registration and airworthiness
- Maintenance records and inspection reports
- Limits on age or flight hours (varies by lender)
Used helicopter financing is common in the aviation industry and can be a cost-effective way to own an aircraft, especially if you're a first-time buyer. Some lenders may require a higher down payment or slightly higher rates for older aircraft, but loan terms are often similar to those for new models.
With a personal loan, there are typically no restrictions on how old the helicopter is—offering more flexibility if you're buying a vintage or specialty aircraft.
Why choose Acorn Finance for helicopter financing?
Acorn Finance makes it easy to explore personalized helicopter financing options—all in one convenient place. Whether you're buying a brand-new turbine model, a pre-owned Robinson, or something in between, Acorn Finance connects you with a network of top national lenders offering flexible personal loan solutions for aircraft purchases.
With Acorn Finance, you can:
- Compare personalized offers in seconds—without impacting your credit score
- Access competitive financing options from trusted lenders
- Choose the loan offer that fits your needs, budget, and timeline
- Use funds for your helicopter purchase, maintenance, upgrades, or even flight training
From first-time buyers to seasoned pilots, Acorn Finance offers a simple, streamlined way to get the financing you need—so you can focus on what really matters: getting airborne.
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