Aviation Loans Australia

Finance Your Aircraft the Right Way

Whether you are a business owner, a PAYG professional, or someone with a passion for flying, aviation finance is a significant commitment. At Three Plus Me Finance, we work with a broad panel of lenders across Australia to help you find a loan structure that suits your situation, your aircraft, and your goals.

What Is an Aviation Loan?

An aviation loan is a type of secured finance used to fund the purchase of an aircraft. This includes everything from light single-engine planes to helicopters and larger commercial aircraft. Much like a car loan or asset finance, the aircraft typically serves as security against the loan, which allows lenders to offer structured repayment terms over an agreed period.

At Three Plus Me Finance, we assist clients in accessing a range of aviation loan products, including new aircraft loans, used aircraft loans, and aircraft refinance options. Whether you are looking at a private aircraft loan for personal use or a commercial aircraft loan to support business operations, we help you understand what is available and match you with lenders who are suited to your circumstances.

Types of Aircraft We Can Help Finance

Aviation finance is not limited to one type of aircraft. Three Plus Me Finance works with clients seeking plane finance for a wide range of aircraft types, including fixed-wing aircraft, light sport aircraft, and helicopter finance for both private and commercial use. If you are considering an aircraft purchase, it is worth speaking with a broker early so you understand the loan amount you may be working with and how lenders assess different aircraft types.

Used aircraft can sometimes attract different lending criteria compared to new aircraft, so it is important to have a broker in your corner who understands how lenders approach aviation funding. Three Plus Me Finance takes the time to understand your specific aircraft and situation before approaching lenders on your behalf.

Interest Rate Options for Aviation Loans

When it comes to aviation loan interest rates, borrowers generally have two main options: a fixed interest rate or a variable interest rate. A fixed interest rate locks in your repayment amount for the term of the loan, which can make budgeting more predictable. A variable interest rate may move in line with market conditions, which means repayments could go up or down over time.

The right choice depends on your financial position, your cash flow, and how long you intend to hold the aircraft. Three Plus Me Finance does not provide financial advice, but we do help you understand the difference between your options so you can make an informed decision alongside your accountant or financial adviser.

Why Use a Broker for Aircraft Finance?

Going directly to a single lender means you only see one set of products. When you work with Three Plus Me Finance, you gain access to aircraft finance options from lenders across Australia, including specialist aviation lenders who understand the unique nature of aircraft ownership. This matters because not all lenders are comfortable with aviation assets, and the ones who are may offer very different terms.

A broker also helps you prepare a strong application. Aviation loans often require specific documentation, including aircraft valuations, maintenance records, and details about your pilot licence or intended use. Three Plus Me Finance helps you understand what lenders are looking for and how to present your application clearly.

For business owners, an aircraft can be a genuine operational asset. Whether you are in construction, agriculture, mining, or transport, aircraft ownership can reduce travel time and improve productivity. Three Plus Me Finance works with business owners across a range of industries to help them access business loans and specialised asset finance, including aviation loans, that support real operational needs.

Aircraft Refinance

If you already own an aircraft and are looking to restructure your existing finance, aircraft refinance may be worth exploring. Refinancing can allow you to adjust your loan term, move to a different interest rate structure, or consolidate existing debt. Three Plus Me Finance can help you review your current loan and connect you with lenders who offer refinance options suited to aviation assets.

For clients who have personal loans or other finance arrangements tied to their aircraft, refinancing through a dedicated aviation loan product may offer a more appropriate structure. Speak with Three Plus Me Finance to understand what refinance options may be available to you.

Aviation Dreams Backed by Real Support

Achieving your aviation dreams takes more than enthusiasm. It takes the right finance structure, the right lender, and a broker who understands what you are trying to do. Three Plus Me Finance is committed to providing clear, no-nonsense support throughout the finance process. We work for you, not the lender, and we take the time to understand your goals before we do anything else.

Whether you are pursuing flying freedom for personal reasons or looking to add an aircraft to your business operations, Three Plus Me Finance is here to help you access aviation finance options that make sense for your situation.

Our Simple Process

1. Get In Touch
Reach out by phone, email or through our website. We'll have a quick, no-obligation chat about what you're looking to achieve, whether that's financing a truck for your fleet, upgrading plant and machinery, purchasing a boat or aircraft, or sorting out a personal loan or car finance. This initial conversation helps us understand your situation and point you in the right direction from the start.

2. Tell Us Your Story
Every client is different and we want to understand your unique circumstances. We'll ask about your business, income, current commitments and what you're hoping to finance. No judgment, just honest conversation. Whether you're a business owner looking at cashflow solutions, a tradie needing new equipment, or an individual refinancing a car loan, the more we know, the better we can tailor a solution that actually fits your life and cash flow.

3. Review Your Options
Once we understand your needs, we'll search our panel of lenders to find the right match. We work with banks, non-bank lenders and specialist finance providers, including those experienced in asset finance, maritime loans, aviation finance and niche vehicle lending, to give you real choice. We'll explain the options available, including interest rates, loan terms and repayment structures, in plain English. No confusing jargon.

4. Choose Your Solution
We'll present our recommended finance options and walk you through the pros and cons of each. You're in control. We're here to guide, not pressure. Whether you're comparing equipment finance structures, weighing up vehicle loan terms or looking at refinancing options, once you've decided what works, we move forward. Questions at any stage? We're a phone call away.

5. Lodge Your Application
We handle all the paperwork and submit your application to the lender. Whether you're running a business, managing a fleet or working full-time, we take care of the admin so you don't have to. We'll tell you exactly what documents we need and help you gather everything efficiently. Our job is to make this process as smooth as possible.

6. Manage The Process
Once your application is lodged, we stay on top of it. We liaise with the lender, answer their questions and keep you updated every step of the way. If additional information is needed, we'll let you know quickly and help you provide it. From asset finance approvals to personal loan settlements, we're your advocate throughout.

7. Settlement And Beyond
When your finance is approved, we coordinate settlement and make sure the funds get where they need to go. But our relationship doesn't end there. As your business grows, your fleet expands, or your personal circumstances change, we're here for ongoing support, whether that's restructuring, refinancing or arranging additional funding. One call. That's all it takes.