Financing Benefits

We'll Finance Your Lincoln Purchase

At Lincoln of Cutler Bay in Miami, we have an excellent finance department that will help you find the vehicle that will be exactly right for you and give you options on how you can pay for it. While the traditional loan has been around for a very long time and has many virtues, you should also know that leasing a vehicle is another very strong option. We also want you to be aware that there's no right or wrong decision. The only thing you have to worry about is choosing the option that will support your goals when you're looking for a vehicle.

One of the best benefits of buying your vehicle with a loan is that you can own it outright when you're done paying for the loan. And if you're going to buy a used vehicle, a loan is your best bet because used vehicles are rarely leased out. You might also choose a loan if you want to drive your vehicle as much as possible without having to worry about breaking the terms of a lease by going over the yearly mileage. Finally, some people choose to get a loan on a vehicle because they want to modify the vehicle without getting charged.

One of the reasons that leasing is becoming more popular is that you can get into a brand-new vehicle while paying less per month for the lease than what she would pay if you were buying the vehicle brand-new and you got a loan. Another reason that you might decide to get into a leasing situation is if you want to be able to upgrade quickly and easily after a couple of years, which is something that you will have the option to do at the end of your lease.

Visit Lincoln of Cutler Bay Today!

If you’re in Hialeah or Kendall, contact us to learn more about our new and used models today!

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 786-857-5000 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.