Finance Your Cessna Citation M2

The Cessna Citation M2 is a entry-level light jet that combines performance, capability, and value. Whether you're upgrading your aircraft or making your first purchase, we provide specialized Cessna Citation M2 financing solutions with competitive rates and flexible terms tailored to your needs.

Cessna Citation M2 Specifications & Performance

SpecificationDetails
CategoryLight Jet
Price Range$3,500,000 - $5,500,000
Typical Used Price$4,500,000
EngineTwin Williams FJ44-1AP-21 (1,965 lbf each)
Cruise Speed400 knots
Range1,300 nm
Seats5-7
Useful Load3,850 lbs
Service Ceiling41,000 ft

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Why Finance a Cessna Citation M2?

  • Owner-Pilot Friendly - Single-pilot certified with Garmin G3000 avionics
  • Excellent Economics - Low operating costs for a jet aircraft
  • Fast Cruise Speed - 400-knot cruise cuts travel time significantly
  • High Altitude Capability - FL410 ceiling for weather avoidance
  • Modern Avionics - Garmin G3000 touchscreen suite standard

Cessna Citation M2 Financing Options

Competitive Interest Rates

  • New Cessna Citation M2: Starting at 5.5% APR
  • Late-model used (2010+): Rates from 5.75% APR
  • Older models: Rates from 6.5% 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 - Cessna Citation M2 Financing

What credit score do I need to finance a Cessna Citation M2?

Lenders typically require a minimum credit score of 700-720 for Cessna Citation M2 financing. Borrowers with scores above 750 receive the best rates. Jet financing typically requires stronger financial profiles and demonstrated liquidity.

How much down payment is required for a Cessna Citation M2?

Down payments typically range from 15-20% depending on aircraft age, condition, and buyer qualifications. Jet financing often requires higher down payments (20-30%) and demonstration of significant liquid assets. Your credit profile and experience also influence requirements.

What loan terms are available for Cessna Citation M2 financing?

Typical loan terms range from 10-15 years for newer models and 7-12 years for older aircraft. Jet financing often features shorter terms with balloon payments. Your final term depends on aircraft age, value, and your financial profile.

Can I finance a Cessna Citation M2 for business use?

Absolutely. The Cessna Citation M2 is commonly used for business travel, and business use provides significant tax advantages including Section 179 depreciation, bonus depreciation, and operating expense deductions. Jets over 6,000 lbs qualify for enhanced depreciation benefits.

What insurance is required for a financed Cessna Citation M2?

Lenders require liability coverage (minimum $5-10M) and hull insurance covering the full loan amount. Annual premiums range from $25,000-100,000+ depending on pilot experience, hull value, and aircraft type. Training and type-specific experience affect premiums.

How quickly can I get approved for Cessna Citation M2 financing?

Pre-qualification typically takes 24-48 hours with basic information. Full underwriting requires 14-30 business days with complete documentation including tax returns, financial statements, and aircraft details. Jet financing involves more extensive due diligence.

What pilot qualifications do lenders require for Cessna Citation M2 financing?

Lenders typically require a multi-engine rating and prefer pilots with type rating and significant hours total time, including 250+ hours multi-engine experience. Jet experience and recurrent training are essential. Insurance requirements often exceed lender minimums.

Can I include avionics upgrades in my Cessna Citation M2 financing?

Yes, avionics upgrades like Pro Line Fusion or Honeywell 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 Cessna Citation M2 at any time and use equity toward your next aircraft. Well-maintained aircraft typically build equity over time, especially if you maintain it well and make strategic improvements. Some lenders offer streamlined refinancing or trade-up programs.

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