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This aircraft has closed. We're sharing it because the financing profile is relevant to anyone considering a similar purchase.
Engine
TSIO-550-K
Continental, 315 hp turbocharged
Cruise Speed
213 ktas
At altitude
Rate at Closing
6.47%
Certified piston
About the 2019 Cirrus SR22T
The SR22T is the turbocharged variant of Cirrus's four-seat composite single. The Continental TSIO-550-K produces 315 horsepower and requires a high-performance endorsement under FAR 61.31. The turbocharger allows the aircraft to hold power at altitude, where it achieves cruise speeds around 213 knots — a meaningful advantage on longer cross-country legs.
A 2019 model sits in the G6 generation with the Cirrus Perspective+ avionics suite and the CAPS parachute system as standard equipment. On the secondary market, values for a 2019 SR22T with typical hours typically fall in the $550,000–$850,000 range depending on airframe time, engine time, and paint condition.
The SR22T is well-known to aviation lenders. The secondary market is active, values are tracked, and the aircraft has a strong maintenance support network — all of which contribute to a predictable financing process.
How We Financed This Aircraft
This transaction closed at 6.47% under a certified piston loan structure. The SR22T's established lender familiarity and active secondary market support competitive terms — lenders know how to value it and are comfortable with it as collateral.
Engine time is a material factor. Lenders will want to know where the TSIO-550-K sits relative to its TBO and may adjust their loan-to-value calculation accordingly. A mid-time engine on a 2019 aircraft is generally not a problem, but it should be disclosed accurately from the start. The current certified piston rate is available on our live rates page.
The SR22T is one of the more predictable high-performance piston transactions — lenders know the aircraft, the secondary market is liquid, and the process is well-established.
What to Expect in the Process
A typical SR22T financing transaction includes:
- Pre-qualification: Confirm your credit and income profile before you make an offer. At this price point, pre-qualification conversations also cover down payment and loan structure.
- Aircraft specification: N-number, total airframe time, engine time, and avionics package submitted to lenders.
- Pre-purchase inspection: Required. An authorized Cirrus service center is the standard recommendation for a G6 aircraft.
- Title search: Standard for all transactions through the FAA Aircraft Registry.
- Insurance: Required before funding. First-time Cirrus owners should expect underwriters to ask about transition training.
- Closing: Most SR22T transactions close in 10–21 days from a complete application.
The full process is covered on our loan process page.
Questions Buyers Ask About SR22T Financing
Can I finance a 2019 or similar-year Cirrus SR22T? +
Yes. Most aviation lenders are comfortable with SR22T models from the G5 and G6 generations. A 2019 aircraft presents well — avionics are current, values are stable, and lender familiarity is high. Engine time and overall condition are what lenders examine most closely, not model year alone.
What down payment is typically required? +
Most lenders require 15–20% down on a certified piston aircraft in the SR22T price range. For a $600,000 aircraft, that is $90,000–$120,000. Borrowers with strong financial profiles may qualify at the lower end of that range.
Does the CAPS parachute system affect the loan? +
CAPS does not change financing terms. It does affect insurance underwriting — many insurers require verified CAPS training as a policy condition. Budget for Cirrus factory training if you are a first-time Cirrus owner.Additionally, the CAPS parachute requires a repack every 10 years (and line cutters every 12 years). Lenders will want to know the repack status, as an upcoming repack (budget ~$20,000) affects the aircraft's valuation.
Does the SR22T require a high-performance endorsement? +
Yes. The Continental TSIO-550-K produces 315 horsepower, well above the FAA's 200-horsepower threshold under FAR 61.31. A high-performance endorsement is required to act as PIC. The SR22T does not require a complex endorsement since it has fixed landing gear.
Does the engine need to be fresh to qualify? +
No. A mid-time engine is generally not a disqualifier. If the engine is near or past TBO, lenders may adjust the loan-to-value or require engine reserve escrow. Disclosing engine status accurately from the start avoids delays.
What is the current certified piston rate? +
See our
live rates page for current figures. The rate you receive depends on your credit profile, loan term, and loan-to-value ratio.
How long does closing take? +
With a complete application and a clean pre-purchase inspection, most SR22T transactions close in 10–21 days. Delays most often come from title issues, incomplete logs, or insurance holdups. Starting pre-qualification before you have an aircraft under contract saves time.
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