Cessna 210 Centurion Financing - Competitive Aircraft Loan Rates

Finance Your Cessna 210 Centurion

The Cessna 210 Centurion is a high-performance six-seat retractable that combines performance, capability, and value. Whether you're upgrading your aircraft or making your first purchase, we provide specialized Cessna 210 Centurion financing solutions with competitive rates and flexible terms tailored to your needs.

Cessna 210 Centurion Specifications & Performance

Specification	Details
Category	Piston Single-Engine Retractable
Price Range	$120,000 - $450,000
Typical Used Price	$245,000
Engine	Continental IO-550 (300 hp)
Cruise Speed	174 knots
Range	850 nm
Seats	6
Useful Load	1,400 lbs
Service Ceiling	27,000 ft

Ready to Finance Your Cessna 210 Centurion?

Get competitive financing quotes from multiple aviation lenders. Compare rates, terms, and find the best deal for your aircraft purchase.

Get Aircraft Financing Quotes

Why Finance a Cessna 210 Centurion?

High-Performance Capability - 174-knot cruise with 27,000 ft service ceiling
Pressurized Cabin Available - P210 models offer turbocharged and pressurized comfort
Excellent Range - 850 nm range ideal for business and cross-country travel
Six-Seat Capacity - Comfortable cabin with club seating option
Strong Resale Value - Well-maintained 210s hold value well

Cessna 210 Centurion Financing Options

Competitive Interest Rates

New Cessna 210 Centurion: Starting at 6.5% APR
Late-model used (2010+): Rates from 6.75% APR
Older models: Rates from 7.5% APR
Terms up to 20 years available for qualified buyers

Flexible Down Payment Options

As low as 15-20% down for qualified buyers
Higher down payments may qualify for better rates
Trade-in equity can be applied to down payment
Refinance options available for existing owners

Cessna 210 Centurion Ownership Economics: High-Performance Costs

The Cessna 210 Centurion is a high-performance retractable single representing a serious investment. Understanding complete ownership economics is essential before committing to financing:

Direct Operating Costs (DOC) - Per Flight Hour

The 210 is fast and powerful, which translates to higher operating costs than fixed-gear singles. Budget approximately $75-95 per flight hour:

Fuel: 11-13 gallons/hour at $5-7/gallon = $55-91/hour. The Continental IO-550 is powerful but fuel-hungry for high-altitude performance.
Oil & Servicing: $2-3/hour. Retractable gear requires additional maintenance cycles.
Engine Reserve: $10-15/hour accounting for 2,000-hour TBO ($20,000-30,000 eventual overhaul).
Airframe Maintenance: $6-9/hour. Complex retractable system and higher-performance airframe require specialty technicians.

Fixed Annual Ownership Costs

100-Hour / Annual Inspection: $1,800-2,500. Retractable inspection adds gear, brake, and hydraulic system checks.
Insurance: $2,800-4,500/year depending on hull value ($245K assumed), pilot experience, and usage. High-performance singles attract premium rates.
Hangar Storage: $300-600/month ($3,600-7,200/year). Retractables need protection from weather.
Registration & Taxes: $250-400/year depending on state.
Avionics Support: $300-500/year (Garmin glass cockpit maintenance).

Annual Cost Example for 120-Hour Flying Schedule

Realistic annual budget for a typical 210 owner:

Direct operating costs: 120 hours × $85/hour = $10,200
Annual inspection: $2,150
Insurance: $3,650
Hangar (average): $5,400
Registration/avionics: $400
Total operations: $21,800/year
Typical loan payment: $2,000-2,400/month = $24,000-28,800/year
TOTAL ANNUAL OWNERSHIP: ~$45,800-50,600

Cessna 210 Maintenance Timeline & Retractable Considerations

The 210 is reliable but retractable gear systems require specialized maintenance:

Every 100 Flight Hours

Gear system functional check (retraction cycle)
Landing gear strut servicing
Brake inspection
Estimated cost: $400-650

Every 500 Flight Hours

Complete hydraulic system inspection
Engine compression test
Landing gear overhaul assessment
Estimated cost: $2,000-3,200

Every 1,000 Flight Hours

Propeller overhaul ($3,500-5,500)
Landing gear major overhaul ($4,000-6,000)
Hydraulic fluid system replacement
Total estimated: $10,000-15,000

At 2,000 Flight Hours (Mandatory Engine TBO)

Engine overhaul: $20,000-28,000
Remanufactured engine: $24,000-32,000 with warranty
This major event typically occurs 17-25 years into ownership

Financing Rates for Cessna 210 Centurion

210 financing rates reflect the aircraft's performance and complexity:

2024-2025 Market Rates

New Cessna 210: 6.5-7.5% APR for excellent credit
Late-model used (2015+): 7.0-8.0% APR
Mid-range (2005-2015): 7.5-8.5% APR
Older 210s (pre-2005): 8.5-10.0% APR

Rate Determinants

Credit Score (35%): Each 50-point improvement = 0.5% lower rate
Down Payment (25%): 20% down better than 15%; 25%+ unlocks premium rates
Aircraft Age (20%): Each 5-year increment = 0.75% higher rate
Loan Term (10%): 15-year terms get better rates than 20-year
Lender Type (10%): Banks typically 0.5% lower than credit unions

Cessna 210 Ownership vs. Alternatives

Ownership Economics (20% Down, 15-Year Term)

Purchase: $245,000
Down: $49,000
Monthly payment: ~$1,900 (7.5% APR)
Annual operating costs: $21,800
Total annual: ~$45,800
Cost per hour (120 hours/year): ~$382/hour

Flying Club Alternative

Hourly rate for high-performance single: $120-150/hour
120 hours/year = $14,400-18,000
Membership/minimums: $4,000/year
Total annual: ~$18,400-22,000
Cost per hour: $153-183/hour (55-60% cheaper!)

Red Flags When Financing a Cessna 210

Gear System History: Retractable gear problems are expensive. Request complete maintenance records.
High-Time Engine (1,900+ hours): Expect 25%+ down payment requirement.
Damage History: Gear-up landings are documented in FAA records; serious red flag.
Previous Corrosion: 210s are prone to corrosion in landing gear wells; inspect carefully.
Avionics Condition: Modern glass panel expected; steam gauges reduce value 15-20%.

Frequently Asked Questions - Cessna 210 Centurion Financing

What credit score do I need to finance a Cessna 210 Centurion?

Lenders typically require a minimum credit score of 680-700 for Cessna 210 Centurion financing. Borrowers with scores above 720 receive the best rates. The Cessna 210 Centurion's strong market demand helps secure favorable financing terms for qualified borrowers.

How much down payment is required for a Cessna 210 Centurion?

Down payments typically range from 15-20% depending on aircraft age, condition, and buyer qualifications. Well-maintained aircraft with modern avionics may qualify for lower down payments. Your credit profile and experience also influence requirements.

What loan terms are available for Cessna 210 Centurion financing?

Typical loan terms range from 15-20 years for newer models and 12-15 years for older aircraft. Amortization can extend to 20 years with flexible balloon payment structures. Your final term depends on aircraft age, value, and your financial profile.

What insurance is required for a financed Cessna 210 Centurion?

Lenders require liability coverage (minimum $1M) and hull insurance covering the full loan amount. Annual premiums range from $1,800-$5,000 depending on pilot experience, hull value, and whether the aircraft is used for business or personal purposes. Insurance costs are generally reasonable for this aircraft type.

How quickly can I get approved for Cessna 210 Centurion financing?

Pre-qualification typically takes 24-48 hours with basic information. Full underwriting requires 7-14 business days with complete documentation including tax returns, financial statements, and aircraft details. Closing can occur within 3-4 weeks of application, sometimes faster for experienced borrowers with clean credit.

Can I include avionics upgrades in my Cessna 210 Centurion financing?

Yes, avionics upgrades like Garmin G500/G600/G3X installations can often be rolled into your purchase loan or accomplished through a refinance. Modern glass cockpits typically add value exceeding their cost, making them attractive to both lenders and buyers. Lenders prefer certified installations with proper documentation.

What happens if I want to upgrade to a different aircraft later?

You can sell your Cessna 210 Centurion at any time and use equity toward your next aircraft. Well-maintained aircraft typically build equity over time, especially if you maintain it well and make strategic improvements. Some lenders offer streamlined refinancing or trade-up programs.

Start Your Cessna 210 Centurion Financing Today

Experience professional aviation financing designed specifically for Cessna 210 Centurion aircraft. Our specialists understand this aircraft's unique qualities and can secure the best terms for your purchase.

Get Pre-Qualified Now

Cessna 210 Centurion Aircraft Financing