Leasing a Lincoln Navigator will cost you anywhere from $1,213 to $1,654 depending on what trim level you choose, how much you put down, the negotiated selling price, and your credit score.

If you’re in the market for a peppy driver but need a full-sized SUV, the Navigator offers a composed ride, good handling, and solid fuel economy ratings despite its size. But if you want all the class of the Navigator with the commitment of a car loan, leasing might be your best bet.

While leasing a car may come with more restrictions than a car loan, you’re subject to lower monthly payments, so you’re keeping money in your pocket.

If you’re ready to start leasing a Navigator but not sure where to begin,

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is here to guide you through the process. We’ll cover how to lease a Navigator, monthly costs and services, and what to do when your lease term ends—plus, how to save on your

Lincoln Navigator insurance costs

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How to lease a Lincoln Navigator

While the Navigator may be the epitome of luxury, the process of leasing one is simple and straightforward. Here’s how you can get yourself behind the wheel of this turbocharged luxury powerhouse.

Check your credit score—Dealers want to know you have good credit before approving your lease. If you have a credit score above 700, you should be in the clear.

Know your budget—While a lease may be cheaper than financing a car, when you add up everything else that’s involved—down payment, gas, insurance, maintenance—it can start to hike up the price. As a general rule of thumb, you shouldn’t be putting more than 15% of your monthly income towards your car. Crunch the numbers before you head to the dealer so you’re not feeling financially squeezed.

Find the right model—Finding the model that works for you and is within your budget is important. Does the base model have what you need, or do you desperately want all the bells and whistles?

Take it for a test drive—You may be set on leasing a Navigator, but make sure you take it for a test drive before you sign the lease.

Calculate your upfront costs—Down payments may not be mandatory, but they can help to reduce your monthly payments and increase the chance of getting approved for a lease.

Think about your annual mileage—Are you someone that commutes far? Do you work at home and drive minimally? Most leases come with an annual limit of 10,000-15,000 miles a year. If you need more, consider upgrading to a high-mileage lease.

Once you’ve got your finances in line and you’ve selected the model that best suits you, it’s time to head to the Lincoln dealership to compare lease offers and find the

best incentives

. However, you’ll want to make sure you are firm with your budget.

Dealers love to try to upsell you and not being firm can land you with steep monthly payments. Put your negotiating skills to the test and make sure you’re getting the best deal before you sign.

MORE:

How to get a car loan

The final step: shop for insurance

Regardless of whether you lease or finance, you need to have the proper insurance to protect your Navigator! Car insurance guru

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Just download the app, enter your information, and choose the policy and price that works for you. It’s quick, easy, and can even be done before you leave the dealership!

How much does a Lincoln Navigator lease cost?

The average cost to lease a Lincoln Navigator ranges from $1,213 to $1,654 per month.

However, the exact cost of your monthly lease will depend on the trim level and optional features, as well as your credit score, lease term, and down payment. Additionally, depending on the time of the year, Lincoln runs lease offers and incentives that can help to reduce your monthly payments.

One of the biggest factors that influence your monthly payments will be the trim level. Regardless of which model you choose, the Navigator is sure to have everything you need in a luxury SUV—and probably things you didn’t even know you wanted. With a sleek and commanding exterior and an ultra-comfortable interior equipped with outstanding technology, there’s no shortage of things to be impressed by.

But if you’re looking for additional upgrades like a panoramic sunroof or a larger towing capacity, it’s going to increase your monthly payments.

Let’s break down the cost of leasing a 2022 Lincoln Navigator based on trim levels. We’ll look at your monthly payments and the amount due at signing based on a 36-month lease term and no down payment.

Trim level	Monthly payment	Amount due at signing
Standard	$1,213	$1,213
Reserve	$1,371	$1,371
Reserve L	$1,417	$1,417
Black Label	$1,608	$1,608
Black Label L	$1,654	$1,654

Another factor that’s going to influence your monthly lease payment is your credit score. Before they’ll approve you for a lease, dealers want to know that you’re financially responsible and capable of paying on time each month.

Most car dealers are looking for a good credit score, which means anything between 680 and 739 or higher. If your credit score is below 680, don’t worry. You may not be denied a car lease, but be prepared for higher payments.

MORE:

Is it better to lease or buy a car?

Services included in a Lincoln Navigator lease

While most new cars have minimal maintenance to worry about, know that you’re protected with Lincoln. Navigators come standard with the Lincoln Maintenance Protection Plan that covers all required maintenance for the duration of your lease term as outlined in your

Lincoln owner’s manual

(e.g., engine oil and filter change, multi-point inspection, and tire rotation).

It also includes coverage for six wear items:

Spark plugs

Shock absorbers

Engine belts, hoses, and clamps

Brake pads and linings

Wiper blades (maximum of 2 sets per year)

Brake rotors

On top of that, Lincoln Automotive Financial Services’ GAPCoverage will take care of you if your leased vehicle is ever stolen or deemed a total loss due to a car accident. This program helps to cover the cost between what your insurance pays out and what you still owe on your vehicle. While GAP may not be standard to all lease programs, it’s built into all Lincoln leases.

For more details on what’s covered for your Navigator, you can download the

Lincoln Maintenance Protection Plan brochure

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Basic car maintenance schedule

What to do when your Lincoln Navigator lease is up

Whether you’re ready to part with your Navigator or you’re still wanting to cruise the road in luxury, Lincoln has a few options to choose from when your lease term ends:

Return your Navigator and lease a new Lincoln

Complete a vehicle inspection and return your vehicle to the dealer

Purchase the Navigator you’re currently driving for the price outlined in your lease agreement

How to return a leased Lincoln Navigator

If you’ve decided to part with your Navigator, you can get a complimentary vehicle inspection before returning your vehicle. Just call Lincoln customer support 45 days prior to your expected return date to make arrangements.

You can also schedule your lease-end inspection using AutoVIN’s Self-Scheduling tool at

autovinlive.com

or call 866-268-6639. A vehicle inspection can be scheduled within 60 days of your lease-end date.

To help you prepare for returning your vehicle, the following list outlines all chargeable items pertaining to wear and use. For more details, check your lease agreement.

Chargeable items may include:

Body panels

Glass repair

Wheels scratches or gouges

Tires sidewall damage / plugs and exposed cords / belts

Interior burn holes

Internal cuts and tears

Interior permanent stains

Miscellaneous broken and missing parts, poor-quality repairs, and mechanical and electrical malfunctions

Once your Navigator passes the inspection, contact your local dealer to schedule a return date and time. If you’re planning to lease a new vehicle, loyalty has its rewards with Lincoln—you may be eligible to waive your disposition fee (or up to $600 in excess wear and use charges) when you lease a new Lincoln.

How to purchase a leased Lincoln Navigator

If you’ve decided you want to keep driving in style, you can purchase your current Navigator. You will find a lease-end purchase price outlined in your Red Carpet Lease Agreement. All you have to do is log into the

Account Manager

or contact your local Lincoln Dealer.

Before leasing a new Lincoln vehicle or purchasing your leased vehicle, you will be required to fulfill all lease-end requirements and satisfy any remaining financial obligations.

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How to find the best car insurance for a Lincoln Navigator lease

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