LINCOLN FINANCE CENTER IN TROY, MI
Lincoln Finance Center
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. We also provide you with unparalleled access to exclusive offers and incentives on new Lincoln vehicles.
We understand you have many choices in the world of financing, so we invite you to discover the many ways Lincoln Automotive Financial Services is in business to enhance your Lincoln experience – and redefine your expectations. Keep reading to learn more about how we aim to ease your financing journey with our user-friendly tools at Lincoln of Troy, serving Troy, Detroit, and Royal Oak, Michigan.
Purchase a Lincoln
New and certified pre-owned Lincoln vehicles come with many advantages:
- Flexible terms
- Unlimited miles
- No charges for unexpected or excess wear and use
- Build equity toward a trade-in
When purchasing, consider these exclusive Lincoln Automotive Financial Services programs, one of which is GAP Coverage.
GAP Coverage
In the unfortunate event of vehicle loss, GAP Coverage offers an added layer of financial protection that ensures you’re covered. This optional coverage steps in when insurance proceeds may not fully satisfy your contract balance, providing peace of mind. If your Lincoln is stolen and not recovered or declared a total loss, GAP Coverage helps protect your financial investment.
Designed to bridge the gap, this coverage waives the difference between your current outstanding balance (subject to certain conditions) and the actual cash value of your vehicle at the time of loss. With GAP Coverage, you can drive confidently, knowing you’re supported when you need it most!
For an added level of protection there's GAP Advantage, which provides a $1,000 down payment on a new vehicle purchased at the originating dealer.
Explore Our Finance Tools
Our finance center offers a suite of finance tools designed to make your car-buying experience seamless and straightforward. Our user-friendly online resources help you plan your purchase or lease effectively, giving you the confidence you need when choosing your new Lincoln. Here’s a closer look at what we provide:
- Credit Estimator: The Credit Estimator lets you get an idea of where you stand credit-wise, helping you understand your purchasing power.
- Online Finance Application: Apply for financing conveniently from the comfort of your home. Our streamlined online finance application tool makes it easy to get started on the pre-approval process for financing.
- Lincoln Lease Deals: Explore our current lease offers tailored to fit various budgets, providing you with flexible options to drive the Lincoln of your dreams.
These tools are designed with your needs in mind, ensuring that financing your new Lincoln is as simple and flowing as possible.
Search Our Special Finance Programs
At our Lincoln finance center, we’re committed to making luxury vehicles accessible to everyone. Our special finance programs include exciting opportunities for college students and military personnel.
If you’re a full-time or part-time student, you can take advantage of our College Student Purchase Program. Eligible students, including recent graduates and current graduate students, can receive a $500 Bonus Cash toward the purchase or lease of a new Lincoln vehicle. To qualify, you must be enrolled in an accredited college or trade school or have graduated within the last three years.r.
We also honor our military heroes with the Lincoln Military Appreciation Program. Active military personnel and veterans can enjoy a $500 Bonus Cash when purchasing or leasing select new Lincoln vehicles. This program extends to active military members, their spouses, and retirees, reflecting our deep appreciation for their service.
Aside from these, we also offer many other programs to ease your Lincoln ownership. Explore our finance center page to learn more about each program and find the one that fits your case.
Lease a Lincoln
There are a number of reasons that make leasing a Lincoln an effective way to improve your driving routine:
- 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 think about
Also, after satisfying your lease-end obligations, you can purchase a new Lincoln, purchase your lease vehicle, or simply return the vehicle and do nothing. This flexibility is a big incentive for drivers who are not set on ownership.
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.
Tips Before Returning Your Lease Lincoln
At our Lincoln finance center, we understand that life happens. That’s why we provide guidelines to help you return your vehicle in excellent condition while being aware of what might incur charges. If you're planning to return your Lincoln, we recommend scheduling a complimentary inspection about 45 days before your expected return date. This way, you can address any concerns beforehand.
While some wear and use are expected, certain conditions may result in additional charges. Here are key items to watch for:
- Body Panels: More than three scratches longer than four inches per panel or more than 15 paint chips can lead to charges.
- Glass: Repair fees apply for more than two chips or cracks per panel under one inch. Damage beyond this may necessitate replacement.
- Wheels: Scratches or gouges greater than six inches are chargeable. Tires: Sidewall damage or exposed cords may result in fees.
- Interior: Burn holes, cuts, tears, and permanent stains beyond specified limits are chargeable.
This list is not exhaustive, so reviewing your lease agreement for a full set of guidelines is important. Some chargeable items may be covered by your insurance, so consider this if you plan to make a claim.
Contact Us to Learn More
At our Lincoln finance center, we aim to open up your possibilities for financing your next Lincoln. Contact us at Lincoln of Troy, serving Troy, Detroit, and Royal Oak, MI, to learn more about our online resources and how they might suit your driving needs.
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Lincoln of Troy
1950 W Maple Rd
Troy, MI 48084
- Sales: 248-643-6600