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    Pay for flight training without putting your life on hold.

    A pilot loan, VA benefits, or your own savings. Compare the three lenders we work with side by side, then talk to us about which one fits your program and timeline.

    Compare lenders

    Your loan money is held until you fly. It goes into a separate account, and we only draw from it after you've flown the training it pays for.

    Where to start

    1. 1Check VA benefits firstIf you're eligible for the GI Bill®, look at it before you borrow. It's free money for approved courses at Fresno.
    2. 2Got a co-signer? Start with SoleraNothing due for 18 months, then a fixed payment. Solera requires a co-signer.
    3. 3No co-signer? Look at EdlySmall payments while you train, then a payment that follows your income.

    The three lenders, side by side

    In the order we recommend them. Applying to any of them is a soft credit check and doesn't commit you to the loan or to training with us.

    DetailOur first choiceSolera National BankBest if you have a co-signerSecond choiceEdlyWhen a co-signer isn't an optionThird choiceStratus FinanceAnother aviation lender to compare
    How muchUp to 100% of tuition$2,000 to $130,000; can include housing and other school expensesVaries by applicant
    Cost15.50% interest rate plus a 5% origination fee. In our example that is about 16.2% APR. Solera's disclosed APR governs.APR is income-based: 11.00% to 27.00% on representative $130,000 loans. 4.75% origination fee. 1 point off with autopay.Rate, origination fee and APR are set by Stratus after you apply. They are not published.
    While you train18 months with no payment (interest accrues and is added to the loan), or 12 months interest-onlySmall in-school payments: $20 per certification (Flex or co-signed) or $50 per $10,000 borrowed (Standard)12-month deferment
    After trainingFixed monthly payment over a 20-year termA set percentage of your gross income, up to 10 to 12 years, with total payments cappedFixed payments; no prepayment penalty
    Co-signerRequiredNot requiredNot always required
    Credit checkSoft check to apply. Ask before you accept whether there's a hard inquiry.Soft check to prequalify; one hard check when you acceptSoft check to apply; hard check if you're approved
    Apply with Solera Prequalify with Edly Apply with Stratus

    Our first choice

    Solera National Bank

    Best if you have a co-signer

    How much
    Up to 100% of tuition
    Cost
    15.50% interest rate plus a 5% origination fee. In our example that is about 16.2% APR. Solera's disclosed APR governs.
    While you train
    18 months with no payment (interest accrues and is added to the loan), or 12 months interest-only
    After training
    Fixed monthly payment over a 20-year term
    Co-signer
    Required
    Credit check
    Soft check to apply. Ask before you accept whether there's a hard inquiry.
    Apply with Solera

    Second choice

    Edly

    When a co-signer isn't an option

    How much
    $2,000 to $130,000; can include housing and other school expenses
    Cost
    APR is income-based: 11.00% to 27.00% on representative $130,000 loans. 4.75% origination fee. 1 point off with autopay.
    While you train
    Small in-school payments: $20 per certification (Flex or co-signed) or $50 per $10,000 borrowed (Standard)
    After training
    A set percentage of your gross income, up to 10 to 12 years, with total payments capped
    Co-signer
    Not required
    Credit check
    Soft check to prequalify; one hard check when you accept
    Prequalify with Edly

    Third choice

    Stratus Finance

    Another aviation lender to compare

    How much
    Varies by applicant
    Cost
    Rate, origination fee and APR are set by Stratus after you apply. They are not published.
    While you train
    12-month deferment
    After training
    Fixed payments; no prepayment penalty
    Co-signer
    Not always required
    Credit check
    Soft check to apply; hard check if you're approved
    Apply with Stratus

    Lender terms as provided or published by each lender, last checked October 2026. Terms change and depend on your application; each lender's disclosures and loan agreement govern.

    What a loan can look like

    Example with Solera on $71,636, about the cost of zero to CFI: nothing due for 18 months while you train and start instructing, then a fixed payment.

    Training cost plus a 5% origination fee added to the loan, 15.50% interest building for 18 months and added to the balance, then 240 monthly payments starting in month 19. About $307,921 total of payments and about 16.2% APR (our calculation from these assumptions). This is our illustration, not a quote or offer of credit from Solera.

    See every lender's payment chart in the full guide
    Months 1 to 18
    $0
    Month 19 on
    about $1,283/mo
    Term
    20 years
    Example APR
    about 16.2%

    Other ways to pay

    • VA benefits (GI Bill®)*

      VA-approved at our Fresno, CA (KFAT) location through JB Aeronautics: Instrument, Commercial, Multi-Engine, CFI, CFII and MEI. Private Pilot and ATP aren't covered. You need a Private Pilot certificate and a second-class medical to start.

    • VA Licensing & Certification

      Reimburses eligible veterans for FAA written test and checkride fees, up to $2,000 per test, submitted after you take it. It covers test fees only, not training.

    • Military COOL

      Some branches fund credentials through their own COOL program. Eligibility depends on your branch, rating and status, so ask your branch's COOL office.

    • Home equity (HELOC)

      Often a lower rate than a student loan, but your home secures it and most lenders want 15% to 20% equity.

    • Credit union or personal loan

      Quick with good credit, but shorter terms mean higher monthly payments that start right away.

    • Scholarships

      AOPA Foundation, EAA and Women in Aviation International award flight training scholarships every year. Free money first, then borrow for the rest.

    • Pay as you go

      No debt. Most students fly less often this way, which stretches training out and can cost more in review time. Our team can also set up a payment schedule with you.

    *VA educational benefits eligibility requirements apply. Contact us for details on approved programs and benefit verification. GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs. More information at benefits.va.gov/gibill.

    Free guide: The Real Cost of Becoming a Pilot

    What each rating really costs, a school scorecard, and every way to pay: GI Bill, scholarships and pilot loans.

    Financing questions

    How can I finance flight training?

    Most students use a flight training loan. We work with three lenders: Solera National Bank (our first choice if you have a co-signer), Edly (no co-signer required, income-based payments) and Stratus Finance. Eligible veterans can also use VA benefits on approved programs at our Fresno, CA location, and you can always pay as you go.

    Does applying for a loan commit me to anything?

    No. Applying shows you what you qualify for. You aren't committed to accepting the loan or to training with us.

    Will applying hurt my credit?

    Applying to Solera and Stratus and prequalifying with Edly are soft checks, which don't affect your credit score. Edly runs one hard check when you accept your loan, Stratus runs one if you're approved, and Solera hasn't published its timing, so ask before you accept.

    Do I need a co-signer?

    Solera requires one. Edly doesn't, though a co-signer can improve approval and rate. Stratus doesn't always require one.

    What happens to my loan money?

    Whichever lender you choose, the money it sends us goes into a separate account, and we only draw from it after you've flown the training it pays for.

    Can I use VA benefits?

    VA-approved programs are at our Fresno, CA (KFAT) location through JB Aeronautics: Instrument, Commercial, the Part 141 Commercial Multi add-on, CFI, CFII and MEI. Private Pilot and ATP aren't covered, and VA educational benefits eligibility requirements apply. Separately, the VA Licensing & Certification benefit can reimburse eligible veterans for FAA test fees, up to $2,000 per test.

    What if I'd rather not borrow?

    Pay as you go, or spread payments out with a schedule our team sets up with you. Paying lesson by lesson means no debt, but flying less often stretches training out and can cost more in review time.

    See program pricing

    Anywhere Aero is a flight school, not a lender, and does not make credit decisions. Loan terms, rates and eligibility are set by each lender, depend on your application, and can change; the lender's disclosures and loan agreement govern.

    Solera: 15.50% is the interest rate for approved applicants, not the APR. With the 5% origination fee included, the effective APR is higher; ask Solera for your APR in writing before you accept.

    Edly: Edly Income-Based Repayment (IBR) loans are private student loans originated by Transportation Alliance Bank, Inc. d/b/a TAB Bank and serviced by American Education Services (AES). All loans are subject to credit approval and program eligibility and are available only through participating schools. Borrowers must be 18 or older, U.S. citizens or permanent residents, hold a current FAA first or second-class medical certificate, and be enrolled full time in a career-track pilot program. Loan amounts from $2,000 to $130,000; loans may fund up to the final 24 months of a program. Rates, fees, and terms vary by school, program, and applicant, and are disclosed in your application and loan agreement. Payment examples are hypothetical illustrations and do not represent actual loan terms. In-school payments are as low as $20/month. After you separate from school, you make income-based monthly payments equal to a set percentage of your gross earned income, continuing for up to 120 or 144 monthly payments (a 10- or 12-year maximum term, as set in your loan agreement), with total payments capped as described in your loan agreement. Your Annual Percentage Rate (APR) is income-based and changes as your income changes; it is not a rate quoted at application. For representative $130,000 loans, APRs range from 11.00% to 27.00%. Your actual APR depends on your income and may be higher or lower. Enrolling in autopay reduces your interest rate by 1.00 percentage point; discount terms are described in your loan agreement. Prequalifying uses a soft credit inquiry and has no effect on your credit score. Accepting your loan triggers one hard credit inquiry, and Edly runs at most one hard inquiry per year from your initial application date. Before applying for a private student loan, consider your federal student aid options, which may offer more favorable terms. Edly loans are currently not available to residents of CO, CT, IL, ME, NE, PR, VT, or WV. This material is for informational purposes only and is not an offer or commitment to lend.

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