Flight training financing

Start flying now. Pay nothing for a year.

Sky Warriors partners with Stratus Finance to fund flight training for our students. Spread the cost over up to 15 years, make no payments for the first 12 months, and check your options with a soft credit check that won't affect your score.

Approved? Your first lesson is completely free.
Check my options → How it works
Soft credit check only. Applying does not affect your credit score.
15 years Loan term, for low monthly payments
12 months Deferred payments while you train
Soft check No impact on your credit score
$0 Your first lesson, once you're approved
Why finance your training

Don't let cost be the reason you wait

Most people who want to fly never start because they're waiting to save up the full amount. Financing lets you begin now, train on a steady schedule, and pay for it over time, the same way you would with any investment in your future.

01

Train consistently, finish sooner

Flying two or three times a week keeps your skills fresh. Students who stop and start between paychecks often have to re-learn and end up paying for extra hours.

02

No payments during your first year

With payments deferred for 12 months, you can put your focus into training, and many students earn their certificate before the first payment is due.

03

Low monthly payments over 15 years

A long term spreads the cost into smaller payments that fit a normal budget, so you can keep your savings for everything else.

04

Build toward a paying career

If you're heading for the airlines, financing gets you to your commercial and instructor certificates, where you start earning as a pilot.

Will I qualify?

Here's what usually gets approved

Most likely approved
✓Monthly income of $3,000 to $4,000 or more
✓Credit score of 700 or higher
Not quite there yet?

You can still qualify with a co-borrower, such as a parent, spouse or partner. If your application needs extra support, Stratus Finance will ask you to add one.

These are general guidelines, not a guarantee. Stratus Finance makes the final decision. The only way to know for sure is to check, and it won't affect your credit score.

How it works

From application to your first flight

01

Apply online

Fill out the Stratus Finance application through our Sky Warriors link.

02

Soft credit check

Stratus reviews your application with a soft pull that does not affect your credit score.

03

Review your offer

See your terms. If you need a co-borrower, Stratus will let you know.

04

Fly your first lesson free

Once approved, contact us to schedule. Your first lesson is on Sky Warriors.

What you can finance

Every program we offer

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Estimated program costs. See each program page for the full breakdown, or build your own in the cost estimator.

Financing questions

Will applying hurt my credit score?+

No. Stratus Finance uses a soft credit check to review your application, which does not affect your credit score.

When do I start making payments?+

Payments are deferred for the first 12 months, so you can focus on training before your first payment is due.

How long is the loan term?+

Up to 15 years, which keeps your monthly payments low.

What if I don't qualify on my own?+

Stratus Finance may ask you to add a co-borrower, such as a parent, spouse or partner, to strengthen your application.

Is my first lesson really free?+

Yes. Once your financing is approved, contact us to schedule and your first lesson is on Sky Warriors.

Who provides the loan?+

Stratus Finance, our financing partner. Stratus sets the rates, terms and approval decision.

Find out what you qualify for today

It takes a few minutes, it won't affect your credit, and if you're approved, your first lesson is free.

Apply with Stratus Finance → Questions first? Contact us

Financing is provided by Stratus Finance, a third-party lender. All applications are subject to credit approval. Rates, terms and approval are determined by Stratus Finance. Approval guidelines shown are typical and are not a guarantee of approval.