Cirrus aircraft financing
Cirrus Aircraft, based in Duluth, Minnesota, builds the composite SR20, SR22 and turbocharged SR22T with the Cirrus Airframe Parachute System (CAPS) as standard, and the SF50 Vision Jet.
Financing notes: Cirrus aircraft are popular, liquid collateral. Newer generations command high prices, so loan amounts are larger; insurers typically expect type-specific transition training, which affects total cost for newer pilots.
Cirrus models compared
Typical mid-market price and estimated payment at 7.75% APR (September 2026), using common lender down-payment and term guidelines.
| Model | Years | Seats | Cruise | Typical price | Down / term | Est. payment |
|---|---|---|---|---|---|---|
| SR20 | 1999-present | 4 | 155 kts | $180,000 | 15% / 20 yrs | $1,256/mo |
| SR22 | 2001-present | 5 | 183 kts | $320,000 | 15% / 20 yrs | $2,233/mo |
| SR22T | 2010-present | 5 | 213 kts | $500,000 | 15% / 20 yrs | $3,489/mo |
Principal and interest only. Prices are typical asking ranges from our database; verify a specific aircraft with Vref or Aircraft Bluebook.
Cirrus ownership costs and buyer guides
- Buyer & Upgrade GuidesCirrus SR20 Buyer's Guide: Choosing a Generation From G1 to G7+
- Buyer & Upgrade GuidesCirrus SR20 to SR22T Upgrade: Training, Insurance, the Turbo Cost Gap and Financing
- Buyer & Upgrade GuidesCirrus SR22 Buyer's Guide: Generations, CAPS Costs, Insurance and Payments
- Buyer & Upgrade GuidesSR22T to Pilatus PC-12: Turbine Training, Insurer Requirements, the Cost Delta and Financing the Step-Up
- Buyer & Upgrade GuidesSR22T to TBM: Turboprop Training, Insurer Requirements, the Cost Delta and Financing the Step-Up
- Buyer & Upgrade GuidesCirrus Vision SF50 Buyer's Guide: G1 to G3 Generations, the Type Rating, Ownership Realities and Financing a Vision Jet
- Cost of OwnershipCirrus SR20 Cost of Ownership: Annual Budget, CAPS Reserve and New vs. Used Financing
- Cost of OwnershipCirrus SR22 Cost of Ownership: IO-550 Budget, CAPS Reserve and Financing by Generation
- Cost of OwnershipCirrus SR22T Cost of Ownership: Turbo Budget, CAPS Reserve and the Cost Over an SR22
- Cost of OwnershipCirrus Vision SF50 Cost of Ownership: Single-Engine Jet Budget and Turbine Financing
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Cirrus financing FAQs
How much does a used Cirrus aircraft cost?
Across the 3 Cirrus models we track, typical mid-market prices run from about $180,000 (SR20) to $500,000 (SR22T). Condition, engine time and avionics move individual airplanes well above or below those figures.
What is the payment on a Cirrus aircraft loan?
At 7.75% APR with typical down payments and terms, estimated payments for a mid-market Cirrus range from about $1,256 to $3,489 per month, depending on the model. See the table on this page for each model.