What is an aviation loan?
An aviation loan is finance used to purchase, refinance, or maintain aircraft, whether that's a fixed-wing aircraft, a helicopter, or a drone used for business. Finance makes funds available upfront, so when the right aircraft or component comes up, you're in a position to move quickly.
We work with a panel of specialist aviation lenders with deep experience funding aircraft owners and operators across New Zealand. That means finance structured around how aviation businesses actually operate, rather than a one-size-fits-all approach.
What can you use an aviation loan for?
An aviation loan can cover more than the aircraft purchase itself. It can help fund:
Why choose Armstrong's Finance for your aviation loan?
Instead of approaching lenders one by one, you make a single application and we compare aviation finance across a panel of specialist lenders who understand the industry. Funding structures are flexible and built around your business, with no restriction on whether you're buying from a dealer or a private seller.
Specialist expertise
Access to lenders with deep experience financing aircraft owners and operators, engines, and components across New Zealand.
Flexible funding structures
Loan amounts and terms structured to suit your business and the asset being financed, from a single aircraft through to a fleet.
New or used
Whether you're buying new, used, or refinancing an existing aircraft, we can help put finance in place.
Component and maintenance funding
Cover for engine, blade, and core component replacement, including offshore components where there is equity in New Zealand.
Simple by design
How it works
Getting aviation finance takes four steps.
*All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
Get a quick quote
Talk to our team about the aircraft or component you're financing. We'll talk through your options and what the lender will need to see.
Submit your application
Complete your application with the required business and financial information. Our team is on hand to help if you get stuck.
We go to work for you
As your broker, we submit your application across our lender panel to find the most suitable match for your business. Subject to responsible lending inquiries and lender assessment.
Get out on the water
Once approved, funds are released so you can complete your purchase, refinance, or maintenance work and get back in the air.
Am I eligible?
Armstrong's Finance aviation loans are available to New Zealand businesses operating in the aviation sector. Every application is assessed individually.
*All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
To be eligible for a boat loan, you'll need to:
Ready when you are
Apply in minutes. Know your options today.
All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
All decisions are subject to responsible lending inquiries. Lender eligibility criteria, fees, terms and conditions apply.
Frequently Asked Questions
General
6 FAQsquestions
General
6 FAQsquestions-
What is the difference between a secured vs unsecured loan?
A secured loan uses an asset like a car or property, as security against the loan. If you default on repayments, the lender might be entitled to repossess that asset.
An unsecured loan requires no asset as security. If you miss payments, your property is not at risk, though fees and charges may still apply.
Armstrong's Finance works with lenders offering both secured and unsecured options. We'll help you find the structure that best suits your situation. -
What if I have bad credit?
We work with a panel of different lenders, and every application is assessed on its own merits. Even if you've had bad credit in the past, it's still worth applying. We'll do our best to find a solution that works for your individual situation.
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How do I know Armstrong's Finance is acting in my interest?
As a registered finance broker, we have legal obligations under the Financial Markets Conduct Act 2013 and the Responsible Lending Code to act in your best interests and provide advice that is suitable for your circumstances. We compare options across our lender panel and recommend the option we consider most suitable for you. We are remunerated by way of commission paid by lenders. Full details of our fees and how we are remunerated are set out in our Disclosure Statement, available on our website and on request free of charge.
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What if I have a complaint?
We're committed to resolving any concerns quickly and fairly. If you're not satisfied with our service, please contact us directly in the first instance. If we are unable to resolve your complaint to your satisfaction, you can refer it to Financial Services Complaints Limited (FSCL), our independent dispute resolution provider. This service is free of charge to you. Details are set out in our Disclosure Statement and on our Complaints page.
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Can I apply if I'm self-employed?
Yes. We work with self-employed applicants regularly. You'll need to provide evidence of income (such as bank statements or tax returns), and we'll find the lender on our panel that suits your situation.
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Can I apply if I am receiving a Work and Income benefit?
All Work and Income benefits are accepted as a form of income, with the exception of Jobseeker Support.
Loan Information
Armstrongs Finance Limited (FSP1012153) is registered on the Financial Service Providers Register (FSPR) and holds a Class 2 Financial Advice Provider licence and is authorised to provide regulated financial advice services in accordance with the Financial Markets Conduct Act 2013. Armstrongs Finance Limited acts as a finance broker and does not directly provide credit. All lending is provided by third-party lenders on our lender panel.
Remuneration: Armstrongs Finance Limited is remunerated by way of commission paid by lenders. The amount of commission varies between lenders and products. Armstrongs Finance Limited may receive different commission rates from different lenders. We manage this conflict through our policies, procedures and training which are designed to ensure we recommend products based on your individual needs and circumstances rather than the level of commission received. Further details are set out in our Disclosure Statement, which is available on our website and on request free of charge.
Lending criteria apply. All applications are subject to credit assessment, responsible lending inquiries, and individual lender eligibility criteria in accordance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and the Responsible Lending Code (revised July 2024). Interest rates range from 7.95% p.a. to 29.95% p.a. on loan terms of 12 months to 7 years. Rates are fixed unless otherwise stated, are subject to change, and are based on individual credit assessment. Establishment fees vary between $0.00 and $2,500 depending on the type of loan arrangement, and are included in your loan structure and repayments.
Representative example: A loan of $20,000 over 5 years at an interest rate of 12.95% p.a. results in 60 monthly repayments of approximately $455, with a total amount repayable of $27,300 (excluding establishment fee). This is an indicative example only. Your actual rate, repayments, and fees will depend on your individual circumstances and lender assessment.
Dispute resolution: If you have a complaint that we are unable to resolve, you may refer it to Financial Services Complaints Ltd (FSCL), our approved dispute resolution scheme. This service is free of charge. Contact details are available in our Disclosure Statement and on our Complaints page.
Financial hardship: If you are experiencing financial hardship, you may be entitled to apply for a hardship variation under the CCCFA. Please contact us as soon as possible. See our Financial Hardship page for more information.
Your personal information is collected and held in accordance with the Privacy Act 2020. Please refer to our Privacy Policy for details of how we collect, use, and store your information.