The day you decide to move forward with your flight training is a great day. It usually means you had a great introductory flight, found an awesome flight school now what? Its normal to feel overwhelmed by the price tag of private pilot certification training from zero hours to 40+ but rest easy for you are not alone and there so many financing options.
Private Pilot Financing
First and foremost work with your flight school to understand in detail to figure out exactly how much your private pilot flight training will cost. Most schools will have 40 hour packages that you can buy upfront. By committing for the 40 hours you will be able to get a slightly better price over all. I say slight, because at the end of the day you are still dealing with an aviation business notorious for razor thin margins.
From here, you need to secure funds. One option would be to go through Pilotfinance.com or your local bank. If you choose the latter you generally will be on the look out for an unsecured personal loan with an extremely high interest rate, somewhere in the neighborhood, depending on your credit of 13.5%.
I went with an unsecured personal loan instead of pilotfinance.com because pilot finance wanted to know my exact weekly schedule for my flight training. At the time I had a full time job and had no idea what my training schedule was going to look like. I liked the flexibly the personal loan afforded me. I would recommend this method of financing because once you are in your loan, you can simply transfer the balance of the loan to a 0% APR credit card, good for 18 months or so. I recommended the Chase Sapphire card to accomplish this.
Now you can simply cut a check to the flight school for the full 40 Hour amount and start your training. At this point, you didn't just incur a $10,000 expense you made a $10,000 investment in yourself, and brotha let me tell you there isn't an ROI metric on this planet that can capture what being a pilot feels like.