Purchasing a helicopter is a major investment, whether for private, commercial, or business use. Fortunately, multiple financing options are available, including helicopter loans, leasing, and mortgages. This guide covers the best helicopter financing solutions in the USA, helping you make an informed decision.
Helicopter Loans – Flexible Financing for Buyers
Helicopter loans are a popular choice for buyers who want to spread payments over time. Key features include:
- Competitive interest rates (fixed or variable)
- Loan terms ranging from 5 to 20 years
- Flexible down payments (typically 10-20%)
- Options for new and used helicopters
Best for: Individuals and businesses looking for long-term ownership.
Helicopter Leasing – Lower Upfront Costs & Flexibility
If you prefer lower initial costs and flexible terms, helicopter leasing may be ideal. Benefits include:
- Lower monthly payments compared to loans
- Option to upgrade to newer models
- Tax advantages (operational lease vs. capital lease)
- Short-term or long-term lease agreements
Best for: Businesses, charter services, and operators who want flexibility without long-term commitment.
Aircraft Financing USA – Broader Options for Helicopters & Planes
Aircraft financing covers both helicopters and fixed-wing planes, with lenders offering:
- Customized loan structures
- Refinancing options
- Commercial and private aviation financing
- Competitive rates for high-net-worth buyers
Best for: Buyers comparing helicopters vs. other aircraft or seeking multi-aircraft financing.
Helicopter Mortgage – Secured Financing for High-Value Purchases
A helicopter mortgage works similarly to a home mortgage, using the aircraft as collateral. Advantages include:
- Longer repayment terms (up to 25 years)
- Lower interest rates (secured loan)
- Ideal for luxury & high-end helicopter purchases
Best for: High-net-worth individuals and corporations buying luxury or VIP helicopters.
Business Helicopter Financing – Solutions for Commercial Use
Companies using helicopters for transport, tourism, or emergency services can benefit from:
- Dedicated commercial aviation lenders
- SBA loans for qualifying businesses
- Seasonal payment plans (for tourism operators)
- Fleet financing for multiple helicopters
Best for: Airlines, law enforcement, medical transport, and tourism businesses.
How to Choose the Best Helicopter Financing Option?
Consider these factors:
✔ Credit score & financial history (better rates for strong credit)
✔ Down payment availability (affects loan terms)
✔ Usage (private vs. commercial) (different lenders specialize in each)
✔ Tax benefits (leasing may offer better deductions)
Where to Get Helicopter Financing in the USA?
Top lenders include:
- National banks (Bank of America, Wells Fargo)
- Specialized aviation lenders (Global Jet Capital, AOPA Finance)
- Credit unions (often offer competitive rates)
- Manufacturer financing (Airbus, Bell, Robinson partnerships)
Final Thoughts – Secure the Best Helicopter Financing Deal
Whether you need a helicopter loan, lease, or mortgage, multiple options exist in the USA. Compare lenders, check rates, and choose a plan that fits your budget and aviation needs.
Ready to finance your helicopter? Get a free quote today from top aviation lenders!
