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.


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.

Apply for Financing

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, 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 choose 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 619-358-5000 and we'd be happy to walk you through your options. At Penske Lincoln, your satisfaction is our priority.

Welcome to the Penske Lincoln Financial Services Center

If you are shopping for a Lincoln at our dealership, you aren't settling for any run of the mill vehicle. Why would you settle for less when it comes to your financing? Our Lincoln Automotive Financial Services Center is a fantastic resource for customers eager to get behind the wheel. At Penske Lincoln, we strive to provide our customers with a service experience as luxurious as the car you are purchasing. Our expert Lincoln financial services team will be happy to guide you through selecting the best leasing or financing option. Making your dream of driving a stunning Lincoln car come true is the main goal at our La Mesa car dealer. Whether you are shopping for your very first Lincoln or upgrading to a new model, our team has the resources to make your transaction seamless. Our luxury car dealership near you staffs a professional Lincoln auto financial services team. Our financial team has spent years in the industry, working with an enormous network of lenders. We work with Lincoln Automotive Financial Services, to bring the latest incentives and offers to our customers. At Penske Lincoln, we know that no two customers have the same priorities or preferences. That's why our Lincoln financial offers are tailored to suit the individual needs of our clients. Are you ready to drive your dream car without sacrificing your financial independence? If so, you will want to work with our Lincoln financial center. Let us help you make your Lincoln dreams come true.

Solutions for Any Need

Penske Lincoln offers our customers an array of financial solutions created to respond to your needs. If you have been planning on securing an auto loan for your purchase, allow our La Mesa car dealer to assist you. Whichever Lincoln model you have been interested in, Penske Lincoln can help you get behind the wheel without ever breaking a sweat. Applying for Lincoln auto financial consideration doesn't need to be a time-consuming process. At Penske Lincoln, we understand the value of your time, and our dealership does everything that we can to avoid taking up too much of it. You can begin your Lincoln auto financial application online, right from the comfort of home. Applying online is a fantastic option for customers who don't want to spend more time at our dealership filling out paperwork. Penske Lincoln has a completely encrypted website, so you won't need to worry about your information being compromised. Before you begin your Lincoln financial application, you will want to gather a few important pieces of information. You will need some basic information regarding your current residence, employment, and financial history. With this information nearby, your Lincoln financial application won't take more than a few moments to complete. If you have any questions during your application, our financial team is only a phone call away. After our financial services team has reviewed your submission, we will reach out to you with more information. If you are looking for financing that is personally tailored to your own unique needs, working with Penske Lincoln for your car loan is a wonderful choice. 


Our Lease Deals

Are you looking for a way to drive the Lincoln you've always wanted with lower monthly payments and flexible terms? You will want to consider taking advantage of a Lincoln lease deal near you. Leasing your vehicle from Penske Lincoln can be a terrific choice for many customers. If you are shopping for your first luxury vehicle, leasing can be a great way to get your feet wet with less commitment. Leasing offers the opportunity for customers to experience the thrill and prestige of a new Lincoln every few years. When you enter into a Lincoln lease deal near you, you'll have the opportunity to drive a new model Lincoln every time your lease term ends. Of course, if you fall in love with your leased Lincoln, you can always make a purchase at the end of your lease. For drivers who value versatility, leasing your Lincoln is an excellent way to save money on your vehicle. When you lease your vehicle from Penske Lincoln, you won't have to worry about losing money on vehicle depreciation. Leasing also spares you the annoyance of reselling your vehicle when you are ready for something new. You can also look forward to lower monthly payments than a typical auto loan. With multiple mileage options for your Lincoln lease, you can find a plan that suits your needs and lifestyle. Choose from flexible lease terms that allow you to drive your Lincoln for the amount of time that you prefer. If you would like more information on the merits of leasing your Lincoln, please contact our financial services team.

Cashback Offers

Whether you ultimately decide to lease or purchase, you will still want to work with our Lincoln auto finance team. At our La Mesa car dealer, we are dedicated to providing you with service that redefines your expectations. This includes helping customers find Lincoln incentives suitable for your purchase or lease. Our luxury car dealership near you is proud to offer our customers a roster of Lincoln incentives. If you are going to finance your vehicle through Lincoln Auto financial, check our website for applicable incentives. Incentives for a vehicle purchase often include cashback offers, where you receive an instant rebate on your vehicle. Cashback offers are a great idea for customers looking to decrease the purchase price of their favorite model. Other Lincoln incentives include special low APR rates for select customers with approved credit. If your credit score meets the requirement, you can look forward to paying less interest on your vehicle purchase. Customers who plan on leasing will have their own incentives to choose from. Common incentives for a Lincoln lease can include a special down payment rate, superior lease terms, or lower monthly payments. The roster of Lincoln incentives available at our luxury car dealership changes periodically. If you are interested in learning which Lincoln incentives could apply to your transaction, contact our helpful finance team. Penske Lincoln strives to provide you with the information and resources to attain your dream car. As always, customer service is our highest priority. If there is any way that our team may improve upon your experience at our dealership, please don't hesitate to let us know.