01.
Private Pilot LicensePPL · the foundation
$22,035 – $25,955 depending on aircraft type, financed up to 100%, deferred through training. Get airborne, pay later.
Aces HighAviation · KLGB
Briefing 12 · Financing Options
Financing,
handled.
Up to 100% of training, financed.
Deferred payments through training. No prepayment penalties. No early-payoff games.
Our financing partner Stratus Financial was founded by FAA-certified flight and ground instructors, specifically for aviation training. They look beyond typical FICO scores and evaluate applicants holistically, working with students who have unique financial backgrounds.
Important · financing disclosure
To be clear: Aces High Aviation does not provide financing directly. All flight training loans on this page are originated, underwritten, approved, and serviced entirely by our partner Stratus Financial, a third-party aviation lender. Your loan agreement is with Stratus, not with Aces High.
01 /
Key Terms
F · 01
Up to 100%.
Up to 100% financing for training programs. Tuition, aircraft time, instructor time, materials.
F · 02
Deferred payments.
Up to 12 months of deferment while completing training and looking for that first flying job.
F · 03
No prepayment penalty.
Loans can be paid off at any time without consequences. Pay when you can, faster if you want.
F · 04
Holistic underwriting.
They look beyond typical FICO scores and work with applicants who have unique financial backgrounds.
02 /
What's Covered
02.
Instrument RatingIFR · all-weather upgrade
$15,750 – $17,175 depending on aircraft type. Financeable as a stand-alone or rolled into a multi-rating package.
03.
Commercial Pilot LicenseCPL · paid-to-fly
$14,485 – $17,935 depending on aircraft type. Often packaged with CFI in the full airline-path financing structure.
04.
Multi-Engine & CFIAdd-on ratings
Add-on ratings can be folded into the same loan. Multi-Engine in the Diamond DA-42, CFI ground and right-seat flight all eligible for financing.
03 /
Application
01.
Open the applicationThrough Stratus' portal · Aces High referral
Open the Stratus Financial application portal directly. The link below carries our school's referral code so your application is tied to Aces High Aviation from the start.
Open the Stratus Application →02.
Select your training programSingle rating or career bundle
Pick the training program you intend to start. You can finance a single rating or bundle the full airline-path series.
03.
Submit your financial infoHolistic, not FICO-only
Provide the standard financials. Stratus evaluates applicants beyond pure credit scores; they work with people who have unique backgrounds.
04.
Decision in 1-2 business daysThen start training
Approval decision typically comes within 1-2 business days. Once approved, lessons can start immediately at Aces High and payments stay deferred through training.
04 /
Eligibility
E · 01
US citizen or PR.
Must be a US citizen or permanent resident to apply.
E · 02
Credit or co-signer.
Credit score evaluated holistically. Qualified co-signer accepted if needed.
E · 03
Eligible programs.
PPL, IFR, CPL, CFI, Multi-Engine ratings and additional certifications all eligible.
E · 04
Career support.
Stratus provides counseling from instructors, resume services, and networking with industry pilots.
Begin
Don't let cost
be the block.
If the upfront cost is the only thing keeping you from starting, financing can be the bridge. Call and we'll send you the direct application link plus a written cost estimate for your specific program.
© 2026 Aces High Aviation LLC · All rights reserved
Doc. AHA · Financing · Rev. 26.05 · KLGB · MMX