Pin load computation is crucial for strength analysis since joints with multi-rivets or multi-bolts are fatigue details of aircraft structures. In the paper, four finite element models based on MSC.Nastran are carried out to determine the load distribution of a lap joint with multi-bolts in rows. By comparison, the method modeling fastener with combination of CBAR, RBAR and CBUSH is presented to be convenient, effective and precise and is a better application in multi-fastened aircraft structure analysis. Additionally, an example of eccentrically loaded fastener group is presented and results show the above modeling method is more accurately for determining pin load distribution than the estimating one. In conclusion, the finite element modeling method is recommended to be applied to obtain more reliable pin loads.