Boise, ID 83705
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Don't Let Cost Keep You on the Ground
Problem
For most people, the thing standing between them and a pilot certificate is not ability, it is cost. Paying for all of it up front is not realistic for everyone.
Solution
Carmel Aviation partners with Stratus Financial to finance your training, from your first lessons through your Private Pilot License, Instrument Rating, Commercial certificate, or CFI.
Stratus
Stratus Financial was founded by FAA Certificated Flight and Ground Instructors. They built Stratus to fund not just your dreams, but your family's dreams too.
Beyond
Beyond the loan, Stratus backs students with career counseling, resume help, and AMA calls with pilots already working in the 121 and 135 world.
Lending Packages Built Around Pilots
Stratus looks beyond the typical FICO score and considers you as a whole aviator. Here is what their lending packages include.
Start Your Application
Full Financing
Finance your entire flight training and more, so you can focus on flying instead of fronting the full cost before you start.
Defer Payments Up to 12 Months
Stratus offers affordable payment options, including deferment for up to 12 months while you finish your training and find a job.
Pay Off Anytime, No Penalties
Pay your loan off any time you want, with no penalties or prepayment consequences whatsoever.
More Than a Credit Score
You are not just a number. Stratus looks at you as a whole aviator and works to set you up for success before you even apply.
How Flight Training Financing Works
The application takes a few minutes, and Carmel is here to help if you have questions along the way.
1. Apply Online
Start your application through our Stratus Financial link. It only takes a few minutes to complete.
2. Get a Decision
Stratus reviews your application and looks beyond your FICO score to consider you as a whole aviator.
3. Choose Your Option
Once conditionally approved, you select from Stratus's lending options. You can add a co-borrower from your borrower portal if you would like.
4. Start Flying
Funds go toward your training at Carmel, and you focus on earning your certificate.
Flight Training Financing FAQ
Through Stratus Financial, you can finance your entire flight training and more, from your first lessons through your Private Pilot License, Instrument Rating, Commercial certificate, or CFI. Financing applies across every course we offer at Carmel Aviation.
Stratus looks beyond the typical FICO score and considers you as a whole aviator. They want to set you up for success before you even apply. All rates, terms, and approval decisions are made by Stratus Financial through their application and review process.
No. Financing is optional and flexible. Once you are conditionally approved, you choose from Stratus's lending options and finance the amount that fits your plan. If you are not sure what makes sense, call us and we will talk it through.
Stratus offers affordable payment options, including deferment for up to 12 months while you complete your training and find a job. Your specific terms are determined by Stratus when you apply.
Yes. Per Stratus Financial, you can pay your loan off any time you want, with no penalties or prepayment consequences. Final terms are set by Stratus through your loan agreement.
Carmel Aviation is not a lender and does not provide financial advice. Financing is offered through Stratus Financial LLC. All rates, terms, and approval decisions are made by Stratus Financial and are subject to their application and review.
