When it comes to purchasing a car,
You're in the driver's seat.

Our secure online credit application makes getting financing a quick & efficient process.

We're Here To Help

Like most buyers, you may need financing to get the vehicle you want. What you don't need is a long drawn-out hassle to get it. Our user-friendly on-line credit-application process takes you from start to finish. It requires just a few a minutes of your time and a few personal details which we do not share.

It's really that easy. Get started today.

A Little Knowledge Can Make A Big Difference.

Financing
Factors

Choice of Vehicle/Trade

The loan rates available to you will be based on the year, model, and final cost of the vehicle you choose.

Credit History/Employment

Your rates are based on numerous factors such as income, employment and credit history, including the number of open balances and late payments.

Down Payment/Interest Rate

The more money you can put down the higher your chances are of being approved and the lower your rates are likely to be.

    Your Credit
    Score

    Before applying for credit, it's always helpful to know your credit score which can measure from 350 to 850. The higher your credit score the less you are considered to be a risk. That translates to a lower interest rate. However, whether or not you know your credit score you can still use our credit application tool.

    Factors Effecting Your Credit Score

    Number of open credit accounts, loan and credit card payment history, amount of debt compared to annual income, frequency of credit inquiries, and number of liens and judgments.


    To learn your credit score you can contact the three main credit reporting agencies:

    Experian Logo

    Experian:

    www.experian.com
    (888) 397-3742

    Equifax Logo

    Equifax:

    www.equifax.com
    (800) 685-1111

    TransUnion Logo

    TransUnion:

    www.transunion.com
    (800) 916-8800

    You Make The Choice. We Make It Easy.

    Every part of the car buying process should be simple. That includes determining your car payment which is just as easy our pre-approval process thanks to our on-line payment calculator. Just choose your vehicle and we'll tell you what you can expect to pay each month. Whatever your credit situation and budget, we've got a car for you at a payment you can afford.

    It's easy. It's quick. It's safe. Get started today.

    Lincoln Finance FAQs

    Find answers to common Lincoln financing and leasing questions at Lincoln of Melbourne, including online financing, Certified Pre-Owned financing, payments, Red Carpet Lease, trade-ins, incentives, GAP coverage, and EZPurchase for Space Coast shoppers.

    Can I apply for Lincoln financing online before visiting Lincoln of Melbourne?+
    Yes. You can complete the online finance application before your visit. Starting online gives our finance team the information needed to review financing or leasing options for the vehicle you are considering.
    Can I finance a used or Certified Pre-Owned Lincoln?+
    Yes. Financing is available for pre-owned vehicles, including Lincoln Certified Pre-Owned vehicles. Available rates and terms depend on the vehicle and your approved financing.
    What affects my estimated monthly Lincoln payment?+
    Your estimated payment can change based on factors such as the vehicle price, down payment, trade-in value, finance term, and interest rate. The online shopping tools let you configure a payment before you complete your financing, while the final amount depends on the approved terms and completed transaction.
    Should I finance my Lincoln or choose a Red Carpet Lease?+
    Financing may make more sense if you want to build equity, keep your Lincoln long term, and drive without lease mileage limits. A Red Carpet Lease uses a set term and mileage structure and may offer a lower payment than a similar-term financed purchase. The right choice depends on how long you plan to keep the vehicle 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 use my trade-in value toward a Lincoln purchase or lease?+
    Yes. You can start your vehicle appraisal online or complete it in person. The appraised value can be applied toward a new or pre-owned Lincoln purchase or lease, and there is no obligation to buy after receiving an appraisal.
    Where can I find current Lincoln finance and lease incentives?+
    You can review available Lincoln programs on the current incentives page. Offers can vary by model and eligibility and can change over time, so use the current page rather than relying on a previously advertised APR, rebate, or lease payment.
    What GAP protection options are available when financing or leasing a Lincoln?+
    For a financed Lincoln purchase, optional GAP Coverage is designed to address certain differences between an insurance settlement and the remaining contract balance if the vehicle is stolen or declared a total loss. GAP Advantage is another purchase-side option. For a Red Carpet Lease, GAP Protection is built into the lease, subject to program conditions and restrictions.
    Can I complete more of my Lincoln purchase or lease online with EZPurchase?+
    Yes. The EZPurchase tool lets you select a vehicle, configure a payment, apply for financing, and finalize a purchase or lease online. Delivery can also be arranged at your location.