Lending to Pilots Makes Good Sense

Investor to airline pilot lending via P2P4U

Loans to airline pilots form an excellent niche market for investors. Pilots are reliable people. We have a database of around 250 co-pilots and captains who are all flying with pride for some of the world’s major airlines. Thanks to their success, the personal loans they made to cover their training costs now rank as the absolute top rated loans in a bank portfolio of more than fifty million euros. Whether you are a pilot looking for a better deal or an investor looking for a safe way to earn a decent rate of interest, P2P4U can offer interesting possibilities which you won't find anywhere else. Find out more about investor to pilot lending here.

For investments of up to EUR 25,000, repayments are made on annuity basis. For larger sums, the duration, interest and repayment plan are subject to negotiation. Read here how it works.


All loans via this platform are a direct contract between investors and pilots. We maintain a database of investors and pilots and we match requirements on both sides. Read about our role here.


How safe are your savings? A bag of gold coins under your bed earns zero percent interest. That is guaranteed! Read here to see more about how the interest levels we offer relate to safety ratings.


We offer credit ratings to investors comparable to ratings offered by global rating agencies. The main difference is that our ratings are transparent to both investors and pilots. Read more here.

About P2P4U

introducing INVESTORS to PILOTS
Investors can earn between 2.5% and 4.0% on loans to pilots

P2P4U is group of airline pilots. Our group was created by ClubAero – an incorporated non-profit society registered in the Netherlands - in order to introduce PILOTS who are looking for a better deal on their flight training loans to INVESTORS who are looking for a better return on their savings. All P2P4U members are fully qualified pilots who have succeeded in finding work as a First Officer or Captain with a major established airline. The first officers in our database are earning between € 60,000 and € 75,000 per year. The captains are earning between € 75,000 and € 120,000 per year. They are all well capable of meeting their repayment obligations due on their training loans. After successfully completing their flight school training and – more importantly - after successfully being selected to fly for some of the world’s major airlines, it is fair to say that their loans currently qualify as the highest rated loans from the bank portfolios originally set up to finance pilot training. Read more……

  • Triple A credit rating - AAA

    An obligor has EXTREMELY STRONG capacity to meet its financial commitments.

  • Triple B Credit Rating - BBB

    An obligor has ADEQUATE capacity to meet its financial commitments. However, adverse circumstances could be prejudicial.

  • Triple C credit rating - CCC

    An obligor is CURRENTLY VULNERABLE, and is dependent upon favourable business, financial, and economic conditions to meet its financial commitments.

  • Triple D credit rating - DDD

    An obligor has failed to pay one or more of its financial obligations (rated or unrated) when it became due.


Contact us below if you would like to know more about pilots who are interested in refinancing their training loans
Brenda Wassink
First Officer, Thomson Airways
Brenda has recently joined the select group of pilots flying the beautiful Boeing 787, the Dreamliner, for Thomson Airways, where she has been flying for the past 10 years. Her training loans are due for renewal on the 1st August 2016
First Officer, Ryanair
Fredrik Karl holds Swedish and Dutch nationality. He has around 600 hours on type for the Boeing 737-800 and is currently based in Malaga. His training loans are due for renewal on the 1st August 2016
First Officer, Ryanair
Max joined Ryanair in October 2014. He is based in Brussels, Zaventem and currently has around 800 hours on type for the Boeing 737-800. His training loans are due for renewal on the 15th February 2016.
Timo Francissen
First Officer, Ryanair
Timo flies for Ryanair, based in Niederrhein (Weeze) in Germany. His training loans are due for extension on the 1st May 2016

Latest news

P2P4U is currently talking to two major banks who have both expressed interest in taking over the loans of our pilot members

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