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: 

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 (833) 864-1577 and we'd be happy to walk you through your options. At Kendall Lincoln of Eugene, your satisfaction is our priority.

Welcome to Our Financing Department

Lincoln Finance Center in EugeneThank you for coming by the Kendall Lincoln of Eugene Finance Department! We offer new Lincoln car loans and used car financing in the Eugene, Oregon area. We have strong relationships with many accredited area lenders and work hard to secure the right auto loan for your personal budget while providing you with a relaxed and hassle-free environment and excellent customer service. 

As your local Eugene Lincoln dealership, we also offer no-obligation car appraisals and trade-in assistance. Come see us in person at Kendall Lincoln of Eugene and one of our caring and experienced Lincoln financial experts will work with you one-on-one to get you into the Lincoln car or SUV that fits your lifestyle and budget.

Our showroom is a short drive away from Springfield, Junction City, and Sweet Home at 844 Goodpasture Island Road in Eugene, Oregon 97401. While you're here, take one of our new Lincoln models out for a test drive. Begin by browsing our wide selection of new Lincoln cars and SUVs as well as our extensive inventory of affordable used cars in Eugene. Once you find the vehicle you're looking for, head on over to our online car payment calculator and find out what your future auto loan payment might look like. If you have trouble finding what you're looking for or have any questions, please feel free to give us a call or contact us online.

Bad Credit Car Loans in Eugene

All types of credit, from good to bad, can qualify for an auto loan. We will work with you to secure a no credit car loan if your situation demands it. At Kendall Lincoln of Eugene, we work with first-time buyers and those who have filed for bankruptcy to find them the right loan to help establish, or re-establish, their credit. Everyone deserves to have reliable transportation and a car loan they are comfortable with and we strive to make that happen for our customers regardless of their situation.

More From Kendall Finance

You can get started from home by filling out our online credit application for a Eugene auto loan. Then take a moment and check out our trade-in value form. This simple form provides you with the true market value of your current used vehicle and the opportunity to meet with a Kendall appraisal expert for a no-obligation car appraisal. We buy used vehicles and would be happy to give you a fair trade-in value for yours.

We appreciate that you took the time to visit our Finance Department here at Kendall Lincoln of Eugene. We look forward to helping you secure an affordable auto loan or Lincoln lease and can't wait to wave as you drive away from Kendall happy in your new Lincoln.

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