Finance Your Embraer Phenom 300E

The Embraer Phenom 300E is a best-selling light jet that combines performance, capability, and value. Whether you're upgrading your aircraft or making your first purchase, we provide specialized Embraer Phenom 300E financing solutions with competitive rates and flexible terms tailored to your needs.

Embraer Phenom 300E Specifications & Performance

SpecificationDetails
CategoryLight Jet
Price Range$8,000,000 - $11,000,000
Typical Used Price$9,500,000
EngineTwin Pratt & Whitney PW535E1 (3,360 lbf each)
Cruise Speed464 knots
Range2,010 nm
Seats6-11
Useful Load5,500 lbs
Service Ceiling45,000 ft

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Why Finance a Embraer Phenom 300E?

  • 464-Knot Cruise - Fastest single-pilot jet in production
  • Extended Range - 2,010 nm handles coast-to-coast missions
  • Spacious Cabin - Largest cabin in light jet category
  • Prodigy Touch - Advanced Garmin avionics suite
  • Single-Pilot Certified - Owner-pilot capable with training

Embraer Phenom 300E Financing Options

Competitive Interest Rates

  • New Embraer Phenom 300E: 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 - Embraer Phenom 300E Financing

What credit score do I need to finance a Embraer Phenom 300E?

Lenders typically require a minimum credit score of 700-720 for Embraer Phenom 300E 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 Embraer Phenom 300E?

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 Embraer Phenom 300E 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 Embraer Phenom 300E for business use?

Absolutely. The Embraer Phenom 300E 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 Embraer Phenom 300E?

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 Embraer Phenom 300E 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 Embraer Phenom 300E 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 Embraer Phenom 300E 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 Embraer Phenom 300E 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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