Financing Plans

Financing Your Flight Training at Nightline Air

At Nightline Air, we believe nothing should stand between you and your dream of becoming a pilot—not even the cost of flight training. That’s why we’ve created a flexible, student-friendly approach to financing, designed to help you start flying now while managing your payments in a way that works for your life. Whether you’re working toward a private pilot license, instrument rating, or a commercial certification, we’ve got financing options to support your aviation goals from takeoff to touchdown.


We’ve partnered with leading flight training finance companies—including Stratus Financial and Flight Training Finance to give you a range of plans with competitive rates, flexible terms, and quick application processes. These trusted partners understand the unique needs of student pilots and can help you secure funding for your entire training program or just the portions you need. Whether you’re looking for low monthly payments, zero-interest options, or short-term loans with fast approval, there’s a plan that can get you airborne.


In addition to traditional financing, Nightline Air also offers some exciting incentives that put more value in your hands. When you post about your training experience on social media, you’ll receive a special student discount—because we appreciate you sharing your journey and inspiring others to fly. Plus, our Account Balance Credit Program rewards those who plan ahead. When you deposit funds into your Nightline training account, you’ll receive a 5% bonus credit for every $1,000 added. That means more time in the cockpit, more instruction, and more progress toward your license—all while maximizing your investment.

Our mission is to make flight training more accessible, more affordable, and more achievable. With financing tailored to your goals and lifestyle—and added perks for taking smart steps forward—Nightline Air is where your aviation dreams can truly take flight. Ready to explore your options? We’ll guide you through every step.

SurePay Financing Logo blue and orange

Surepay is a local lender that offers flight training loans to Nightline Air Programs. With high approval ratings and early payoff incentives, Surepay is a popular financing option for students to fund individual ratings. 

  • Available funding between $300 and $15,000
  • 10-20% down required for intended loan amount​
  • 1-4 year terms
  • Fixed interest rate
  • Co-signer allowed
  • Applicant or Co-signer employed and making minimum $1,000/month
  • 0% interest for the first 3 months with potential 4th month interest-free
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Stratus Financial Logo

Stratus Financial was founded by FAA Certificated Flight and Ground Instructors passionate about helping others achieve their aviation dreams. We know it’s not just about achieving your dreams (because we looked up in the sky every time,we heard an airplane too!), but funding your family’s dreams as well.That’s why Stratus was created, because with Stratus, the sky is no longer the limit.

We offer exceptional lending packages, including:

  • The best rate you’ll get anywhere to go from zero to hero!
  • Full financing for your entire flight training.
  • Affordable payment options, including deferment for 12 months while you complete your training AND find a job.
  • Pay your loan off any time you want with no consequences or penalties whatsoever.

Stratus Frequently Asked Questions

The interest rates will vary depending on the market and your credit score. Yes, you can pay it off early without any penalty.

The loans offered range from 10 years to 15 years. There are many flexible payment plans to help fit your budget needs.

This is an unsecured student loan.

  • Must be a US citizen
  • 1st or 2nd class medical 
  • Completed IACRA application 
  • $1,000 down payment
  • Bank statement of $2,500 in account
  • Subject to a soft credit check 
  • ​Subject to employment verification 
  • ​Must complete the entire program within the 36 months of admission. 

Loan Repayment ExamplesDownload

Stratus Financial BrochureDownload
Apply For Stratus Financial Assistance Now
Flight Training Finance Logo

Flight Training Finance is committed to making aviation training more accessible to aspiring pilots. We understand the financial challenges students face and provide flexible, transparent financing options designed to suit individual needs. Our goal is to make the path to becoming a pilot clear and achievable, offering personalized support throughout the journey. With our financing solutions, students can focus on what matters most—reaching their aviation dreams without financial barriers.

  • Simple application process.
  • Flexible finance options to fit your needs.
  • Quick processing time.
  • Transparent terms with no hidden fees or costs.
  • Dedicated support through the entire financing process.

FTF Frequently Asked Questions

When considering your application, we look to answer two simple questions: can you afford the payments? and will you make the payments? Can you afford the payments? We want to see that you can easily afford the monthly payment. You should have sufficient income to pay your current living expenses as well as the monthly payment for your flight training. While we welcome new business, we do not want to overburden you financially. Will you make the payments? Flight training financing is not secured like car financing or home mortgages. You pay us back because you have promised to. If you have gone through financial difficulties but have since resolved these issues, we see that as a very good thing. However, if you have unresolved delinquencies or defaults, or seem overburdened with debt, it is unlikely we will approve your application.

Typically about 14 days. Our team is committed to processing applications as efficiently as possible. The length of the approval process can vary depending on a number of factors, and we will process applications in the order they are received. Although we aim to provide you with a decision as quickly as possible, we also want to ensure that we are thorough in our evaluation to give you the best financing solution for your needs.

We primarily look at two things when assessing a student‘s creditworthiness.

Credit history: We review the length, type, and quality of the student‘s credit history to determine if they have a history of making timely payments.

Income and employment: We look at how long the student has been at their current job, as well as their income to see if they can afford the monthly payments.

When we are looking at an application, your credit score is one of the things we look at, but not the only one. The score by itself can be deceiving. We are interested in the duration and type of credit in your history, as shown in your credit report, related to the amount and type of financing you need (unsecured). Although we aim to provide you with a decision as quickly as possible, we also want to ensure that we are thorough in our evaluation to give you the best financing solution for your needs.

This is the first question that most students want answered. Generally we can approve most applications, unless: There is no credit history or extremely limited credit history (a co-borrower will be necessary); or There are outstanding delinquencies or collections; or There is a lack of sufficient income to pay the scheduled monthly payments.

Our contract interest rates range from 12%-18% depending on your qualifications. Generally, the interest rate will be somewhat lower than you might pay on traditional credit card accounts.

Our Preferred Customer Interest Refund Program is a simple way for students to earn back up to 25% of their interest. If the student makes all of his or her payments on time, the interest will be recalculated 3 percentage points lower than their contract rate and we will refund them the difference. For customers that make their payments on time, the effective interest rates charged work out to between 9%-15%.

The repayment terms are determined by the number of lessons per week, on average, the student would like to take. Repayment terms range from 18 months for our most accelerated programs with 5 lessons per week, to 72 months for programs with only 1 lesson per week. Most of our customers use programs with 2-3 lessons per week and repay over 48-60 months. At the end of these FAQs, please refer to our payment calculator to see how training schedules affect the size of their payments. Training Schedule Repayment Terms 1 lesson per week 72 months 2 lessons per week 60 months 3 lessons per week 48 months 4 lessons per week 30 months 5 lessons per week 18 months

1 flight lesson per week

2 flight lessons per week

3 flight lessons per week

4 flight lessons per week

5 flight lessons per week

Number of Payments

72

60

48

30

18

Total cost of training

Monthly Payment

Monthly Payment

Monthly Payment

Monthly Payment

Monthly Payment

$10,000

$191 - $222

$217 - $248

$257 - $286

$378 - $406

$595 - $622

$12,000

$230 - $268

$261 - $298

$309 - $345

$455 - $489

$717 - $750

$13,000

$249 - $291

$284 - $324

$336 to $375

$494 - $531

$778 - $814

$14,000

$269 - $314

$306 - $349

$362 - $404

$533 - $573

$839 - $877

$15,000

$288 - $336

$328 - $375

$388 - $433

$572 - $614

$899 - $941

$16,000

$308 - $359

$350 - $400

$415 - $463

$610 - $656

$960 - $1,005

$17,000

$327 - $382

$373 - $425

$441 - $492

$649 - $697

$1,021 - $1,069

$18,000

$347 - $405

$395 - $451

$467 - $521

$688 - $739

$1,082 - $1,133

$19,000

$367 - $428

$417 - $476

$494 - $551

$727 - $781

$1,143 - $1,196

$25,000

$484 - $564

$551 - $628

$652 - $727

$959 - $1,031

$1,509 - $1,579

DISCLAIMER: Financing is for “full” programs that include 45-60 (or more) hours of aircraft rental. There is no maximum account size; the above examples are based on our standard financing rate of 12-18% Annual Percentage Rates (APR). Credit approval and interest rates are based on the credit history, income, and obligations of the applicant and any co-borrowers. The amount financed is the Total Cost of your training program less the Cash Down Payment of $250. Monthly payments begin 30 days after the training program is sold. Average lessons may not exceed two (2) hours of aircraft rental and three (3) hours of instruction.

No. There is no prepayment penalty. You will be refunded any unearned interest for paying off your account early. Interest rebates, or refunds, for early payment in full (referred to as ‘prepayment’) is determined by the finance regulations in your state. The calculation varies slightly from state to state.

If funds are left over after training is completed, you have several options: 1) use the remaining funds to rent aircraft and build hours; 2) use the remaining funds to take additional training; or 3) elect to terminate your program and have the unused training funds credited to your Flight Training Finance account to reduce your remaining monthly payments. PLEASE NOTE: All training funds may be fully earned, or used up, by the flight school in certain circumstances where they have guaranteed certification and/or committed to providing free finish-up training, if needed. Ask your flight school if you are concerned about this issue.

You can apply for add-on or finish-up training provided that 50% of the payments on your initial account are satisfactorily paid. To avoid running short of training funds, we strongly encourage students and schools to package training programs that will be fully sufficient to achieve the training goal. Most of our schools add a cushion of additional aircraft and instruction hours, because many students need more hours than they originally anticipated. Please be aware that additional training will likely have to be paid from other resources. For most transactions, unused training funds cannot be forfeited, as explained in the next FAQ.

All Flight Training Finance programs clearly state that you may terminate your training at any time for any reason! Your school and Flight Training Finance warrant this right. Both of us guarantee a refund of any unused training funds at the time of your termination. The refund is credited to your Flight Training Finance account balance. You will never have to pay for training services you did not receive! We are proud of the way our programs protect our students. This is a very important risk consideration for flight students. You should be careful of programs where the flight school controls a significant amount of the training funds exclusively, unless the financial institution guarantees that an immediate credit refund is available when a training program is terminated, regardless of the reason for termination.

FTF-Brochure-1Download
Contact Nightline Air Financial Advisor

Insta Tag Promo!

Tag @nightlineair on an Instagram post and show us the tagged post before the lesson check-in to receive 3% OFF! 

This discount is available for all training programs aircraft rental, ground or flight instruction, and BATD session. 

*Once the check-in process is complete, the discount will not be offered or be valid. 

Unlimited 5% Cash Back!

Account Balance Program

Pilots will receive a credit of an additional 5% for each $1,000 or more added to their account prior to incurring of costs. This program is available to those who are paying Out of Pocket only. 

Example:

  • Add $1,000 and receive $50
  • Add $2,000 and receive $100
  • Add $5,000 and receive $250