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How to finance a Lincoln

Going directly through an authorized dealership could score you discounts.

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?

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:

  • Financing through Lincoln Automotive Financial Services. 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 a 3.9% APR on some of its newer models.
  • Leasing through Lincoln Automotive Financial Services. Lincoln offers mileage options ranging from 7,500 to 19,500 per year. Its terms are flexible, and there are benefits to leasing multiple times — including reduced disposition and excess wear-and-tear fees.

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.

How to apply with Lincoln Automotive Financial Services

Lincoln Automotive Financial Services — the brand’s lending arm — has a quick one-page online application for both financing and leasing.

Follow these steps to get started:

  1. Visit the Lincoln Automotive Financial Services website and choose Apply Now. Then hit Apply Online.
  2. Select whether you plan on financing or leasing your vehicle and if you want to apply with a coapplicant.
  3. Enter information about yourself, your employment and your income.
  4. Select the Lincoln dealership you want to work with.
  5. Review your application and Lincoln’s terms of service.
  6. Submit your application and write down your confirmation number.

Or, you can also choose to apply in person at your local Lincoln dealership.

Lincoln Automotive Financial Services pros and cons


  • Fast financing for a luxury vehicle
  • Can lower monthly repayments by extending loan term
  • Multiple discounts available


  • Rates and terms aren’t listed on its website
  • No grace period for late payments

Compare car loans to finance a Lincoln

Use our comparison table for a side-by-side view of the lenders available to help you get behind the wheel of a new Lincoln. Select up to four loan providers at once.

Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
Go to site
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

Does Lincoln offer special discounts or programs?

Yes, as a part of Ford Motor Company, you might qualify for special discounts on specific Lincoln models if any of the following apply to you:

  • Active-duty military service member
  • Veteran discharged within the last two years
  • Military retiree with at least 20 years of service
  • National Guard or Honor Guard member
  • Reservist on orders to deploy
  • Police officer
  • State trooper
  • Correctional officer
  • Firefighter
  • EMT
  • College student or recent graduate

Lincoln also offers a loyalty program that can help you score discounts when buying a new Lincoln at an authorized dealership. And through the Ford Accessibility Program, you may be eligible for up to $1,000 in reimbursements on adaptive equipment.

What will a new Lincoln cost me?

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.

Choose a type of vehicle


2019 Lincoln MKZ

  • Starting MSRP: $35,995
  • Build: Sedan
  • City/highway MPG: 20/31

2020 Lincoln Continental

  • Starting MSRP: $46,305
  • Build: Sedan
  • City/highway MPG: 17/25


2019 Lincoln MKC

  • Starting MSRP: $33,995
  • Build: Crossover
  • City/highway MPG: 20/27

2020 Lincoln Corsair

  • Starting MSRP: $35,945
  • Build: Crossover
  • City/highway MPG:22/29

2019 Lincoln Nautilus

  • Starting MSRP: $40,240
  • Build: Crossover
  • City/highway MPG:21/26

2020 Lincoln Aviator

  • Starting MSRP: $51,100
  • Build: SUV
  • City/highway MPG:18/21

2020 Lincoln Navigator

  • Starting MSRP: $75,825
  • Build: SUV
  • City/highway MPG:16/21

Car insurance costs that come with driving a Lincoln

Does a new Lincoln come with a warranty?

Yes, all new 2019 and 2020 Lincolns come with a four-year, 50,000-mile warranty. 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 an 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.

Frequently asked questions

What is the Lincoln Black Label?

Lincoln Black Label is Lincoln’s ultra-luxurious line of vehicles that come with access to a number of exclusive perks, including complimentary car detailing and a premium maintenance plan. Each model comes equipped with an interior and exterior theme in addition to state-of-the-art technology to make your driving experience unique.

Does Lincoln have a preowned car program?

Yes. Lincoln has a certified preowned (CPO) car program. Each car must pass a multipoint inspection and comes with a six-year, 100,000-mile limited warranty. You can browse Lincoln’s selection of CPO models on its website or by visiting an authorized dealership near you.

Pictures: Lincoln’s Official Page

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Kellye Guinan is a freelance editor and writer, specializing in consumer lending. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. She holds degrees in anthropology and German language and literature from Middle Tennessee State University. See full bio

Kellye's expertise
Kellye has written 132 Finder guides across topics including:
  • Personal, business, student and car loans
  • Credit scores
  • Car financing
  • Debt consolidation

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