Loans by State

Aircraft Financing in Louisiana:

Live Rates, Louisiana's Isolated-Sale Exemption, and the Gulf Coast's Helicopter Capital

Louisiana exempts isolated, non-dealer aircraft sales from sales and use tax, and its Gulf Coast helicopter industry is among the largest in the world. Financing an aircraft in Louisiana, done right.

FLYING Finance·Loans by State·Updated August 2026

Why Louisiana's aviation economy runs on the Gulf

Louisiana's aviation economy runs on the Gulf: the state supports one of the largest offshore helicopter fleets in the world, ferrying crews to oil and gas platforms, with operators like PHI Group headquartered in Lafayette. NASA's Michoud Assembly Facility in New Orleans, which built Space Shuttle external tanks and now builds SLS rocket stages, adds a manufacturing dimension to the state's aerospace identity.

The rates above are our live national rates; Louisiana residency neither helps nor hurts your pricing. What is Louisiana specific is the tax picture below, where how the sale is structured does a lot of the work.

Sales tax, use tax, and property tax: the Louisiana layer

Private-party sales carry a real exemption. Louisiana exempts isolated or occasional sales of aircraft from sales and use tax when the seller is not in the business of selling aircraft or other tangible personal property. Sales through a dealer generally do not qualify and are taxed at Louisiana's state rate of 4 percent plus local taxes that range from 0 to roughly 7.7 percent depending on the parish, for a combined rate that can run close to 10 percent in some areas.

Property tax is assessed at the parish level. Like most other tangible personal property, aircraft based in Louisiana are generally subject to local ad valorem property tax assessed by the parish where the aircraft is based; rates and assessment practices vary by parish, so confirm the specific treatment where you plan to base the aircraft.

This is orientation, not advice; Louisiana aviation tax outcomes are fact specific and depend on parish, seller status, and use. Engage a Louisiana aviation tax advisor before closing.

The depreciation layer

Federal bonus depreciation is only half the tax picture; how Louisiana treats the deduction is the other half, and Louisiana generally conforms to federal provisions, so the full federal benefit is typically available at the state level too. The bonus depreciation guide carries the full state-by-state conformity breakdown and the December 31 placed-in-service mechanics. Read it alongside this page before you commit to a closing date.

Compare against other states

The tax treatment above is specific to this state, but if you are comparing markets, financing across state lines, or want the full fly-away exemption rules in one place, see our aircraft sales tax by state guide for the state-by-state breakdown.

Run the Louisiana Buyer's Numbers

Interactive: payment and year-one depreciation, side by side

The two numbers every Louisiana business buyer runs first: the monthly payment at today's rate, and what 100 percent bonus depreciation could be worth in year one. Both in one place, with the state layer linked below.

Prefills today's certified piston rate
Est. monthly payment
N/A
Est. year-one bonus depreciation
N/A
Est. year-one federal tax value
N/A
Illustrative only, not a loan offer and not tax advice. Bonus depreciation eligibility depends on qualified-business-use thresholds and listed-property rules; state conformity varies. See the bonus depreciation guide for the December 31 placed-in-service mechanics and the state-by-state conformity table before you plan around these numbers.

What Louisiana buyers should know

  • Rates and terms are national. Same live pricing as the strip above; up to 20-year terms on certified pistons, 15 to 20 percent down for strong credit, soft-pull pre-qualification available.
  • Closings are remote. Your closing runs through FAA escrow in Oklahoma City regardless of where in Louisiana you or the aircraft sit. Our title & escrow guide walks the sequence.
  • Consider how the sale is structured. Louisiana's isolated/occasional sale exemption can meaningfully change your tax exposure depending on whether the seller is a dealer or a private party.
  • Local rates vary widely. Combined state and local sales tax in Louisiana can range from 4 percent up to roughly 10 percent depending on the parish; confirm the rate where the sale is consummated.

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Louisiana Aircraft Financing Questions

Do aircraft loan rates differ in Louisiana?+
No, rates are set by aircraft type, credit profile, and loan structure, not by state. Louisiana buyers see the same live pricing shown on this page. What is Louisiana-specific is the tax treatment and the strength of the local market.
Does Louisiana charge sales tax on aircraft purchases?+
Generally yes, at Louisiana's 4 percent state rate plus local taxes up to roughly 7.7 percent, unless the sale qualifies as an isolated or occasional sale by a non-dealer seller, which is exempt.
Will my aircraft owe Louisiana property tax?+
Generally yes; aircraft based in Louisiana are typically subject to local ad valorem property tax assessed by the parish where the aircraft is based. Rates and assessment practices vary by parish.
Does buying from a private seller change my Louisiana tax exposure?+
It can; Louisiana exempts isolated or occasional sales of aircraft by a seller not in the business of selling aircraft or similar property. Sales through a dealer generally do not qualify for this exemption.
Where does a Louisiana aircraft closing actually happen?+
Through an FAA escrow agent in Oklahoma City, like every U.S. aircraft closing, deposit held in escrow, title searched, documents filed with the registry in sequence on funding day. You never have to leave Louisiana.
Does Louisiana conform to federal bonus depreciation?+
Yes; Louisiana generally conforms to federal provisions, so the full federal benefit is typically available at the state level too. Confirm current-year treatment with your CPA.
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How the sale is structured changes everything.Live rates, soft-pull pre-qualification, closing coordinated through Oklahoma City escrow.
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Rates are national; the Louisiana layer is tax and market. Get pre-qualified with a soft pull and know your budget before you shop.

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Current Rates

Certified Piston6.22%
Turbine6.34%
EAB6.99%
LSA6.88%
Live rates, auto-updated from the 5-Year Treasury. See the full rate page.
Ask AmeliaLouisiana buyer questions
Louisiana buyers usually ask me two things: whether the state changes their rate (it does not) and how the Louisiana tax picture works (it is specific enough that I will give you the framework and point you to a Louisiana advisor for the final answer). What are you looking at buying, and where in the state will it live?
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