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How to finance a Lincoln in Canada

Learn about your Lincoln finance options and how much a new Lincoln could cost you.

You have a few financing options to choose from to help you get behind the wheel of a Lincoln. While taking out a car loan from a bank or online lender usually comes with more competitive rates, financing directly through an authorized dealership comes with a slew of potential discounts.

How can I finance a Lincoln in Canada?

Despite Lincoln’s high price points, its models still fall well within the range of a traditional car loan from a bank, credit union or online lender. These typically offer lower rates than you’d find at a dealership, but it can take time to compare lenders and fill out preapproval offers.

If speed is your main concern, you might want to consider financing directly through an authorized dealership. Here’s how its two options break down:

  • Lincoln Automotive Financial Services in Canada. Exact financing terms are negotiated at the dealership. You won’t know your exact APR — or other loan specifics — until you hammer out the details with the sales team. In the past, Lincoln’s offered finance rates of 1.49% for loan terms of up to 72 months.
  • A Red Carpet Lease from a dealership. Lincoln offers lease mileage options up to 16,000 kilometres per year. Lease terms typically range from 24 to 36 months, although you may find offers of up to 48 months. In the past, Lincoln Canada offered a lease rate of 0.99% on a 36 month term. You also have the option to go with the Advanced Payment Program, which allows you to pay all of your monthly payments upfront.

To find the best deal available to you, compare offers from multiple lenders before hitting the dealership. As with all types of financing, your final offer will depend on your credit score and current financial situation.

Compare Lincoln finance options in Canada

Name Product Loan Amount Interest Rate Loan Term Min. Credit Score Requirements Table description
Loans Canada Car Loans
$500 - $35,000
0% - 29.99%
3 - 96 months
Min. income of $1,800 /month, 3+ months employed
Compare rates from multiple lenders.
Complete a single application to get quotes from different lenders. Bad credit, CERB and EI borrowers considered.
goPeer Car Loan
$1,000 - $25,000
8.00% - 31.00%
36 - 60 months
Min. income of $40,000 /year
P2P platform with competitive rates.
Canada's first regulated consumer peer-to-peer lending platform that connects creditworthy Canadians looking for a loan with Canadians looking to invest.
$7,500 - $85,000
3.99% - 29.99%
12 - 96 months
Min. income of $1,800 /month, 1+ months employed
Available in Ontario only.
Apply online and get your new vehicle delivered to your door anywhere in Ontario free of charge. All credit scores considered.
CarsFast Car Loans
$500 - $75,000
4.90% - 29.90%
12 - 96 months
Min. income of $1,800 /month, 3+ months employed
Get a new or used vehicle delivered to your door.
Browse thousands of vehicles from dealers across Canada and get matched with financing that meets your needs.
Coast Capital Car Loan
$10,000 - No Max.
18 - 84 months
Able to service debt payment of $300/month
Competitive rates and flexible terms.
Finance new and used vehicles from one of Canada's largest credit unions. No credit union membership required. Available across Canada except SK, QC, NT, NU, YT.
Splash Auto Finance
$10,000 - $50,000
9.90% - 29.90%
24 - 84 months
Min. income of $2,200 /month, 3+ months employed
Apply with any credit score.
Get financing for a new or used car. Auto loans for borrowers with fair credit, bad credit, no credit or bankruptcy.
LoanConnect Car Loans
$500 - $50,000
9.90% - 46.96%
3 - 120 months
No min. income requirement
Pre-approval in as little as 60 seconds.
Get access to 25+ lenders through this brokerage. Get your funds in as little as 24 hours.
Canada Auto Finance
$500 - $45,000
4.90% - 29.95%
3 - 96 months
Min. income of $1,500 /month, 3+ months employed
Get financing from partnered local lenders.
Financing for a new or used car is available for borrowers with bad credit, no credit, CERB, EI or bankruptcy.
Carloans411 Car Loans
$500 - $50,000
1.90% - 19.99%
Up to 72 months
Min. income of $1,600 /month, 3+ months employed
High application approval rate.
Get connected with suitable lenders to finance your next car, van or truck. Check eligibility for this loan through LoanConnect.

Compare up to 4 providers

How much does a new Lincoln cost in Canada?

A new Lincoln will cost anywhere from $33,000 to over $75,000. The amount you pay will depend on the model you choose and any additional features you add on.

2021 Lincoln Corsair

  • Starting MSRP: $44,700
  • Build: Crossover
  • City/highway (L/100 km): 11.2/8.1

2021 Lincoln Nautilus

  • Starting MSRP: $56,000
  • Build: Crossover
  • City/highway (L/100 km): 12.6/9.3

2021 Lincoln Aviator

  • Starting MSRP: $68,750
  • Build: SUV
  • City/highway (L/100 km): 10.9/9.6

2021 Lincoln Navigator

  • Starting MSRP: $97,000
  • Build: SUV
  • City/highway (L/100 km): 15.0/11.5

Luxury car insurance in 2021

Does a new Lincoln come with a warranty?

Yes, all new Lincolns come with a New Vehicle Limited warranty for 48 month or 80,000 km, whichever occurs first. You can browse your car’s specific warranty in the owner section of Lincoln’s website by selecting the year, make and model.

Lincoln also offers other products, including an extended warranty and GAP insurance. Visit the Lincoln website or check with your local authorized dealership for more information.

Bottom line

Lincoln is a North American-made luxury car brand — and its vehicles come with a luxury price tag to match. Fortunately, you have a range of financing options to help you foot the bill. When you’re ready to buy, compare car loans before hitting the dealership to find the best deal available to you.

Compare Lincoln financing options

Frequently asked questions about Lincoln financing

Pictures: Lincoln’s Official Page

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