When you're ready to experience the unmatched presence and power of the Lincoln Navigator, the team at Southgate Lincoln is here to help you finance your next luxury SUV with confidence. Serving drivers from Southgate, Detroit, Dearborn, and Taylor, MI, our finance department offers personalized loan options and exclusive financing specials to help you take home a Navigator on your terms.
From its twin-turbocharged V6 engine to its luxurious three-row seating, the Navigator is a symbol of elegance and capability. With advanced safety tech, spacious cargo capacity, and state-of-the-art connectivity, it's built for families, professionals, and explorers alike-and we're here to make your upgrade affordable and easy.
(734) 285-8800
Finance Department
The Basic Components of an Auto Loan from Southgate Lincoln
Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.
Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.
Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.
Why Finance a Lincoln Navigator at Southgate Lincoln?
Financing through Southgate Lincoln offers a hassle-free experience with benefits including:
- Competitive rates from trusted lenders
- Flexible loan terms up to 72+ months
- Online credit application for quick pre-approval
- Tailored financing for all credit types
- Top-dollar trade-in appraisals
- Loyalty, military, and college grad incentives
Whether you're financing a new Navigator Black Label or a pre-owned Navigator Reserve, our specialists will guide you through every step.
What Factors Affect Your Loan Options?
Several variables influence your financing rate and term for the Navigator:
- Credit history and score
- Down payment or trade-in value
- Loan length (24 to 84 months)
- Income and debt-to-income ratio
- Vehicle price and selected trim level
Even if you've had past credit challenges, Southgate Lincoln works with multiple financial institutions to secure favorable options for your unique situation.
Apply for Navigator Financing in Southgate, MI
Available Lincoln Navigator Financing Offers
Lincoln luxury meets premium financing incentives. Offers may include:
- 0.9%-2.9% APR for qualified buyers
- Deferred payment options (up to 90 days)
- Bonus cash offers or loyalty rewards
- Low down payment programs
- Financing for Certified Pre-Owned Lincoln Navigator models
Incentives may vary by model year, inventory, and eligibility. Contact Southgate Lincoln for current offers.
Get a head start on your Navigator purchase by filling out our secure online finance application. You can also schedule a one-on-one consultation with our finance team for personalized guidance. We proudly serve Lincoln customers across Southgate, Detroit, Taylor, Dearborn, and beyond.
Apply for Financing
