Finance Your Cirrus SR22T

The Cirrus SR22T is a turbocharged high-performance single that combines performance, capability, and value. Whether you're upgrading your aircraft or making your first purchase, we provide specialized Cirrus SR22T financing solutions with competitive rates and flexible terms tailored to your needs.

Cirrus SR22T Specifications & Performance

SpecificationDetails
CategoryPiston Single-Engine Turbocharged
Price Range$550,000 - $1,100,000
Typical Used Price$850,000
EngineContinental TSIO-550 (315 hp)
Cruise Speed213 knots
Range1,200 nm
Seats5
Useful Load1,348 lbs
Service Ceiling25,000 ft

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Why Finance a Cirrus SR22T?

  • Turbocharged Performance - 25,000 ft service ceiling
  • 213-Knot Cruise - Fastest production piston single
  • Extended Range - 1,200 nm for serious cross-country travel
  • CAPS Parachute - Emergency safety system standard
  • Known Ice Option - TKS ice protection available

Cirrus SR22T Financing Options

Competitive Interest Rates

  • New Cirrus SR22T: 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

Frequently Asked Questions - Cirrus SR22T Financing

What credit score do I need to finance a Cirrus SR22T?

Lenders typically require a minimum credit score of 680-700 for Cirrus SR22T financing. Borrowers with scores above 720 receive the best rates. The Cirrus SR22T's strong market demand helps secure favorable financing terms for qualified borrowers.

How much down payment is required for a Cirrus SR22T?

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 Cirrus SR22T 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 Cirrus SR22T?

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 Cirrus SR22T 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.

Does the CAPS parachute system affect Cirrus SR22T financing?

The CAPS (Cirrus Airframe Parachute System) is viewed favorably by both lenders and insurance companies due to its proven safety record. Insurance premiums may be lower compared to similar aircraft without parachute systems. CAPS must be regularly inspected and repacked per manufacturer schedules.

Can I include avionics upgrades in my Cirrus SR22T 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 Cirrus SR22T at any time and use equity toward your next aircraft. The Cirrus SR22T's strong resale values often mean you build equity quickly, especially if you maintain it well and make strategic improvements. Some lenders offer streamlined refinancing or trade-up programs.

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