Financing Benefits

Financing created for Lincoln,
and crafted for you

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

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

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

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 (734) 285-8800 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

Lincoln Financing Made Easy at Southgate Lincoln

At Southgate Lincoln, we're committed to providing a seamless and stress-free financing experience for drivers in Southgate, Detroit, Dearborn, and Taylor, MI. Whether you're looking to lease a new Lincoln or secure an auto loan for a pre-owned vehicle, our Finance Center offers competitive rates and personalized financing solutions.

Why Finance at Southgate Lincoln?

When you choose Southgate Lincoln for your vehicle financing, you'll enjoy:

  • Competitive Loan & Lease Offers - We work with trusted lenders to secure the best financing terms.
  • Fast & Simple Pre-Approval Process - Apply online and get pre-approved before visiting the dealership.
  • Flexible Lease & Loan Options - Find a financing plan that fits your budget and lifestyle.
  • Expert Finance Specialists - Our team is here to guide you through every step of the financing process.
  • Exclusive Lincoln Incentives - Take advantage of special offers and rebates on new Lincoln models.

Lincoln Leasing vs. Financing: Which is Right for You?

Benefits of Leasing a Lincoln

Leasing is a great option if you enjoy driving the latest models with lower monthly payments. Advantages include:

  • Lower monthly payments compared to financing
  • Warranty coverage for most of the lease term
  • Ability to upgrade to a new Lincoln every few years
  • Lower upfront costs

Benefits of Buying a Lincoln

If you prefer long-term ownership, financing a Lincoln may be the best choice. Benefits include:

  • Full ownership with no mileage restrictions
  • Ability to customize your Lincoln with accessories
  • Potential for long-term savings over leasing
  • Freedom to sell or trade your vehicle whenever you choose

Auto Loan Options for Every Buyer

Our finance experts work with a network of lenders to help secure the best possible loan rates, regardless of your credit history. We offer:

  • New Lincoln Auto Loans - Finance your dream Lincoln with competitive interest rates.
  • Used Car Financing - Secure a loan for a certified pre-owned or used Lincoln.
  • Bad Credit Financing - We assist drivers with all credit backgrounds in finding financing solutions.
  • Trade-In Assistance - Apply your current vehicle's value toward your next Lincoln.

Convenient Online Finance Tools

We make financing simple with online tools that help you plan your budget before visiting the dealership:

Start Your Lincoln Financing Journey Today!

Whether you're from Southgate, Detroit, Dearborn, or Taylor, MI, our Finance Center at Southgate Lincoln is here to help you secure the best auto loan or lease. Apply online or visit our dealership today to explore your financing options!