Mass distribution and C.G. of aircraft is one of the most important factors on landing gear and airframe ground loads. Among of them, the payload has the significant influence. In service, there are thousands of payload distributions. In order not to miss the critical load cases and decrease the loads engineer’s workload during fuselage loads analysis, the fuselage loads with different payload distributions were analyzed. The analysis results showed that the maximum payload condition will produce the critical fuselage vertical shear and bending moment.Therefore, for fuselage loads analysis, the maximum payload condition must be considered, and there is no need to consider the maximum fuel condition. This conclusion will provide the data reference for the future pointed fuselage loads analysis of civil aircraft