Cirrus SR22 financing, specs & price
High-performance composite, fast, popular. Built 2001-present; Continental IO-550-N (310 hp); 5 seats; 183-knot cruise.
What a SR22 costs to finance
Payment examples at three price points, using typical lender guidelines for single-engine aircraft and a 7.75% illustrative APR. Your rate depends on credit, loan size, term and the specific airplane.
| Example | Price | Down | Loan | Term | Payment @ 7.75% | Range @ 6.99–9.99% |
|---|---|---|---|---|---|---|
| Older / higher-time | $180,000 | 15% ($27,000) | $153,000 | 20 yrs | $1,256/mo | $1,185–$1,475 |
| Mid-market (most common) | $320,000 | 15% ($48,000) | $272,000 | 20 yrs | $2,233/mo | $2,107–$2,623 |
| Late / low-time | $650,000 | 15% ($97,500) | $552,500 | 20 yrs | $4,536/mo | $4,280–$5,328 |
Principal and interest only; excludes insurance, taxes and fees. Prices are typical asking ranges from our aircraft database — verify any specific airplane with Vref or Aircraft Bluebook and a pre-buy inspection. Not a quote or commitment to lend.
Get real numbers for your SR22
Share the tail number or listing and your timeline — a specialist will price it across multiple lenders.
SR22 specifications & operating economics
Performance & capacity
- Engine
- Continental IO-550-N (310 hp)
- Production
- 2001-present
- Seats
- 5
- Cruise
- 183 kts
- Range
- 1207 NM
- Fuel capacity
- 92 gal
Fuel economics (September 2026)
- Fuel burn
- 17.5 gph
- Fuel cost per hour
- $127
- Fuel cost per nautical mile
- $0.69
- Endurance (no reserve)
- 5.3 hrs
- Fuel for 100 hrs/yr
- $12,670
100LL at $7.24/gal (AirNav national average, September 2026).
What lenders and underwriters look at on a SR22
- IO-550-N is powerful but requires careful management
- CAPS repack every 10 years
- G1000/Avidyne/Perspective avionics—verify currency
- Insurance requires transition training and HP endorsement
Pre-buy inspection focus areas
- CAPS repack date
- Composite skin condition
- G1000/Perspective software
- Engine case condition
- Service bulletins (especially fuel system)
Pre-buy inspections are typically paid out of pocket, not financed. See the pre-buy checklist.
Buying and owning a SR22
- 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 GuidesSR22T to Vision Jet: The SF50 Type Rating, Insurer Requirements, the Cost Delta and Financing the Step-Up
- 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
Cirrus SR22 financing FAQs
How much does a Cirrus SR22 cost?
Typical asking prices for a Cirrus SR22 run from about $180,000 for older or higher-time examples to $650,000 for late, low-time ones, with most trading near $320,000. Engine time, avionics, damage history and paint/interior drive the spread — confirm with a Vref or Aircraft Bluebook valuation and a pre-buy inspection.
What is the monthly payment on a Cirrus SR22?
At a $320,000 purchase price with 15% down ($48,000), a $272,000 loan over 20 years is about $2,233 per month at 7.75% APR, or roughly $2,107–$2,623 across the 6.99%–9.99% range lenders published as of September 2026. Principal and interest only.
How much down payment do I need for a Cirrus SR22?
Plan on at least 15% down for a single-engine aircraft built after 1960. Twenty-year terms are generally available on loans of $75,000 or more.
What does a Cirrus SR22 cost to fly per hour in fuel?
At about 17.5 gallons per hour and the September 2026 national average of $7.24 per gallon for 100LL, fuel alone is roughly $127 per hour, or about $0.69 per nautical mile at a 183-knot cruise. Add reserves, insurance, storage and the annual for the full picture.
Can I finance an older Cirrus SR22?
Usually, yes. Lenders finance piston singles without a fixed age limit, though pre-1960 aircraft may need a larger down payment and shorter term, and airframes over 10,000 hours are often excluded. Complete logbooks, AD compliance and a clean pre-buy matter more than the year on an older SR22.
Similar price range
- Beechcraft Baron 58 · ~$280,000
- Piper PA-46-310P Malibu · ~$260,000
- Mooney M20R Ovation · ~$240,000
- Mooney M20TN Acclaim · ~$400,000