Finance

AUTO LOANS

The Central Florida Lincoln finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Winter Park, Windermere, and Kissimmee to ensure our customers get the right finance program at the most competitive rates.

OUR FINANCIAL SERVICES INCLUDE:

  • Competitive rates direct from Lincoln Automotive Financial Services
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs

ONLINE CREDIT APPLICATION

Fill out our online credit application and get pre-approved for your next vehicle.

SELL OR TRADE

Click below to get your vehicle's current value
SELL OR TRADE YOUR VEHICLE

FINANCING BENEFITS

 

The Lincoln Motor Company and Lincoln Automotive Financial Services share the same client-centric mindset. We focus on providing financial options as individual as our drivers. And we offer programs and tools like our Account Manager, designed with a true respect for your schedule and unique preferences. We also provide you with unparalleled access to exclusive offers and incentives on new Lincoln vehicles.

APPLY FOR FINANCING

PURCHASE A LINCOLN

 

PURCHASE A LINCOLN

New and Certified Pre-Owned Lincoln vehicles come with many advatanges:

  • Flexible terms
  • Unlimited miles
  • No charges for unexpected or excess wear and use
  • Build equity toward a trade-in

When purchasing, here are exclusive Lincoln Automotive Financial Services programs to consider:

GAP COVERAGE

In the event of vehicle loss, this optional coverage steps in when insurance proceeds do not satisfy your contract balance. GAP Coverage Protects Your Vehicle Financially You've made an investment in your Lincoln and GAP Coverage was created to protect that investment. If your Lincoln is stolen and not recovered or if it's declared a total loss, your insurance company may not pay enough to satisfy what you still owe.

GAP Coverage is designed to bridge that gap. With certain restrictions, it waives the difference between your current outstanding balance (subject to conditions) and the actual cash value of the vehicle at the time of loss.

For an added level of protection there's GAP Advantage, which provides a $1,000 down payment on a new or pre-owned vehicle purchased at the originating dealer.

GAP COVERAGE OPTIONS

Learning about both of the plans allows you choose accordingly

GAP Coverage: Financial Protection Against Vehicle Loss

DOWNLOAD PDF BROCHURE

GAP Advantage: Increased Financial Protection Against Vehicle Loss

DOWNLOAD PDF BROCHURE

FLEX BUY PROGRAM

Flex Buy Program Utilizes two payment levels so you can plan ahead. A lower payment level earlier in the contract, followed by a higher level.

LEARN MORE ABOUT THE FLEX BUY PROGRAM

If you have any questions, we're ready to help walk you through all your available options.

CONTACT US

LEASE A LINCOLN

LEASE A LINCOLN

There are a number of reasons to chooose Red Carpet Lease:

  • Choice of terms, such as 24- and 36-month leases
  • Multiple mileage options
  • Lease payments tend to be lower than those of similar term financed purchase
  • No trade-in to worry about
  • After satisfying your lease-end obligations, you can:
    • purchase or lease a new Lincoln,
    • purchase your lease vehicle, or
    • simply return the vehicle.

MILEAGE OPTIONS

We offer eight lease mileage options to suit your specific needs. Choose from 7,500 to 19,500 miles per year. Drive more than 19,500 miles per year? You have the opportunity to secure more when you initiate your lease.

GAP PROTECTION BENEFIT

Gap Protection may waive the difference - or gap - between your insurance payoff and your outstanding lease balance in the event your leased vehicle is stolen or declared a total loss. This unique benefit is built into your lease. With Gap Protection, provided you have the insurance required by your lease agreement, you are only responsible for the insurance deductible and amounts owing (ex. past due payments) at the time of the incident. Certain restrictions may apply.

ADVANCE PAYMENT PROGRAM (APP)

We offer our clients the opportunity to prepay all monthly lease payments up front in a single, one-time payment. This allows you to drive without giving monthly payments another thought. Keep in mind, lease-end obligations still apply.

If you have any questions about whether financing or purchasing is right for you, don't hesitate to contact us at 866-977-3160 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

CONTACT US
 

HOW IS YOUR CREDIT?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

BEST

"I NEVER MISS A PAYMENT!"

The Central Florida Lincoln loan process can help you find the best interest rate for your next vehicle purchase.

Try our credit application today.

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Lincoln vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK

"I'VE MISSED A PAYMENT OR TWO."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our credit application and our team of finance professionals will begin working for you. We have hundreds of Lincoln vehicles currently available for immediate delivery.

NOT SO GOOD

"I NEED TO REBUILD MY CREDIT..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our credit application online.

Once the application is completed, the Central Florida Lincoln finance team will put together a loan package that is tailored specifically for you.

QUESTIONS?

Please do not hesitate to contact us with any questions you may have. Our staff is happy to answer any and all inquiries in a timely fashion. We look forward to doing business with you!

CENTRAL FLORIDA LINCOLN

2055 W. Colonial Drive
Directions Orlando, FL 32804-6907

  • Sales: 407-674-1902
  • Service: 407-674-1903
  • Parts: 407-674-1857

Hours

  • Monday8:30am-7pm
  • Tuesday8:30am-7pm
  • Wednesday8:30am-7pm
  • Thursday8:30am-7pm
  • Friday8:30am-7pm
  • Saturday8:30am-6pm
  • Sunday12pm-5pm

Lincoln Finance FAQs

Find answers to common Lincoln financing and leasing questions at Central Florida Lincoln, including online pre-approval, credit rebuilding, payments, trade-ins, Lincoln Flex Buy, current offers, and protection options for Orlando-area shoppers.

Can I apply or get pre-approved for Lincoln financing online at Central Florida Lincoln?+
Yes. You can complete the online credit application and get pre-approved before visiting. Your final approval and financing terms still depend on review of the completed application.
Can I apply for Lincoln financing while rebuilding my credit?+
Yes. If you are rebuilding your credit, you can still submit an online credit application. Approval is not guaranteed, and the financing terms available will depend on your individual application and program.
What affects my monthly Lincoln payment?+
Your payment can be affected by the vehicle and amount being financed, your down payment or trade-in value, the length of the finance term, and the interest rate for which you qualify. Final payment details depend on the financing terms approved for your transaction.
Should I finance my Lincoln or choose a Red Carpet Lease?+
Financing is designed for ownership and does not carry lease mileage limits, while a Red Carpet Lease offers a choice of lease terms and mileage options and may have a lower payment than a similar-term financed purchase. The right choice depends on how long you want to keep your Lincoln and how you expect to drive it. If you currently lease a Lincoln, you can also review our lease-return information for details on your options when the lease ends.
Can I trade in my current vehicle and use its value toward my Lincoln?+
Yes. You can start with the online Instant Cash Offer tool or have your vehicle appraised in person. The appraised value can be applied toward a new or pre-owned Lincoln purchase or lease.
What is the Lincoln Flex Buy Program?+
Lincoln Flex Buy is a financing option with two payment levels: a lower payment level earlier in the contract followed by a higher payment level later. It gives you another structure to consider alongside traditional financing or leasing, subject to current program availability and terms.
Where can I review current Lincoln finance and lease offers?+
You can review available Lincoln programs by vehicle and offer type on the current incentives page. Because offers and eligibility can change, check the current programs rather than relying on a previously advertised rate or payment.
What protection options are available when financing or leasing a Lincoln?+
Available protection options include GAP Coverage, GAP Advantage, extended warranty programs, and other vehicle-protection products. For Red Carpet Lease customers, GAP Protection is built into the lease, subject to applicable conditions and restrictions. The finance team can explain which products are available for your specific transaction.