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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 click Apply Now. Then click 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

1 - 3 of 3
Name Product Minimum credit score APR Loan term Requirements
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.
Monevo Auto Loans
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit. Car Loans
Starting at 2.15%
550+ credit score, no open bankruptcies, $24,000+ annual income, US citizen or permanent resident, 18+ years old
Get up to four offers in minutes through one simple application. Multiple financing types available including new cars, used cars and refinancing.

Compare up to 4 providers

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. 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 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

Pictures: Lincoln’s Official Page

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