FINANCE CENTER

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 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: 

GAPCoverage

In the event of vehicle loss, this optional coverage steps in when insurance proceeds do not satisfy your contract balance. GAPCoverage Protects Your Vehicle Financially You've made an investment in your Lincoln and GAPCoverage 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. 

GAPCoverage 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 GAPAdvantage, which provides a $1,000 down payment on a new or pre-owned vehicle purchased at the originating dealer.

GAPCoverage 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 (708) 891-5400 and we'd be happy to walk you through your options. At Napleton River Oaks Lincoln, your satisfaction is our priority.

Not Just Auto Financing Solutions in Calumet City, IL - Napleton River Oaks Lincoln Offers Lincoln Loan and Lease Solutions for YOU

At Napleton River Oaks Lincoln, we love nothing more than seeing a proud new Lincoln owner drive home in the car of their dreams. That being said, the auto finance process is one that has been known for frustrating potential buyers in the past. That's why Napleton River Oaks Lincoln works to ensure a smooth financing experience for the drivers we serve from Calumet City, Chicago, Chicago Heights, Hammond, IN and Gary IN. Our team doesn't just offer any auto loan and lease solutions; we cater each one to the individual needs of our customers.

Our team is familiar with ever factor at play when working with banks and financial institutions. The end result: we can help negotiate terms you'll love, ensuring you drive your next new or used car home on your terms.

Interested in seeing what Napleton River Oaks Lincoln can do for you? Fill out our online contact form today to get the ball rolling. Or, visit us at 1777 River Oaks Drive, Calumet City, Illinois today. Our team will be happy to address any financing-related questions and begin the work to find a solution that fits your requirements, whether you're interested in taking out a loan or signing a lease.

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