Lincoln Payments: What You Need to Know
You can finance your Lincoln through Lincoln Automotive Financial Services, and make your payments via their online portal, over the phone, or by mail.
Written by Meaghan Branham
Reviewed by Amy Bobinger
Table of Contents
Lincoln offers financing directly through the dealership with Lincoln Automotive Financial Services. You’ll have the option to pay online, through a check by mail, or through a Western Union independent agent.
A luxury vehicle like a Lincoln is a major purchase, and it can set you back a big chunk of change if you pay for it all at once. Luckily, there are a ton of financing options available—and if you buy from your local Lincoln dealership, you can keep it simple by using their in-house financial services.
Keep reading to get the lowdown of all your Lincoln Automotive Financial Services options, and an overview of the average monthly
car loan
payments for some of Lincoln’s most popular 2022 models. Find out if you can reduce your monthly car payments in minutes
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How to pay your Lincoln car bill
When you finance your Lincoln through Lincoln Automotive Financial Services, you’ll have a few options available to you when it comes time to make a payment: by mail, by phone, online, or through a third-party.
Online
When you purchase your car or SUV with Lincoln financing, you’ll also register through their online portal. Here, you can view and manage your account from virtually anywhere. To make your payments online, log in to your
Lincoln Automotive Financial Services Account Manager page
, and select “Make a Payment”. You can then make a one-time payment with a credit card, debit card, Apple Pay, or directly through your bank account.You can also find the option to set up automatic monthly payments on your Account Manager page, so you never miss a payment. Just keep in mind that enrollment in auto-payments must be completed before 9:00 p.m. ET, at least two business days prior to the due date.
By phone
You can also make payments over the phone by calling Lincoln’s customer service line. For Lincoln clients, that number is 1-888-498-8801. Black Label clients can call 1-888-498-8758. The automated service is available 24/7, but if you’re looking to talk to a representative in person, you can dial them between 7am and 7pm CST Monday through Friday, and from 7am to 3pm CST on Saturdays.
By mail
If you’d rather send a check via mail, you can do so at one of the addresses listed below:
Address type | Mailing address |
|---|---|
Remit to address | Lincoln AFS PO Box 650574 Dallas, TX 75265-0574 |
Physical address | Lincoln AFS, 650574 1501 North Plano Road, Suite 100 Richardson, TX 75081 |
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In person
While you aren’t able to make payments in person at a Lincoln Dealership, you can go to your nearest Western Union location and use their services to pay your bill. When you do so, the Western Union associate can provide more details about making the payment. Contact 1-800-634-3422 or search online to find a store near you.
Can I make my Lincoln payments with a credit card?
Yes! You can make a Lincoln payment with your credit card or debit card. On your Lincoln Automotive Financial Services Account Manager page, you will see this payment option when you log in.
Is there a grace period for Lincoln car payments?
There may be a grace period on your Lincoln payment, and your exact payment period will be specified in your contract when you purchase your car. If you are unable to make your payment within this time, you may be subject to late fees.
Lincoln owners can request a deferment of their payment if necessary. Just go to your Account Manager page and follow the "Request Payment Extension" link. There, you can disclose your reason for the request, and submit it.
How much are Lincoln payments?
Lincoln is Ford’s luxury line, but that doesn’t mean you’ll have to pay an astronomical bill in order to have one of your own. While some models will come with a hefty monthly payment —depending on your down payment and credit score—others can be had for about the same price as many other vehicles.
The most expensive Lincoln in the 2022 lineup is the Navigator Black Label, which can cost as much as $111,375. The most affordable, on the other hand, is the base trim of the Corsair, which has an MSRP of $37,142.
To get an idea of what your monthly payment might look like for each of these and more, check out the table below. Here you’ll find the average monthly payment for the entire 2022 Lincoln lineup. Keep in mind that these numbers are based on the base trim of each model, assuming you put down a 10% down payment, choose a 72-month loan term, and have an interest rate of 4.90%.
Model | MSRP range | Average monthly payment |
|---|---|---|
$77,635 – $111,375 | $1,161 | |
$52,880 – $79,675 | $807 | |
$44,861 – $66,710 | $684 | |
$37,142 – $51,810 | $567 |
Your monthly payment may not look exactly like those listed above: Ultimately, it will be affected by your trade-in value and down payment, as well as your loan term, credit score, and incentives. You can use an
online payment calculator
to get a more accurate idea of what your unique payment will be.“I’m buying a new car, and all the quotes I got previously were insane.Jerrysaved me over $200. I am ecstatic!” —Raymond V.
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What is the lowest credit score Lincoln will finance?
On average, Lincoln car owners have an average credit score of around 669. However, some with a lower credit score—around 600 to 620 and above—may qualify as well.
What is the average interest rate for Lincoln car loans?
The exact APR on your loan will depend on the car you purchase, the length of your term, your down payment, and more. However, Lincoln often offers a 3.9% APR.
What is the most popular Lincoln car?
While the Lincoln line-up is highly rated overall, it’s the Lincoln Navigator that has been the standout for the last few years. However, if you’re looking for a 2022 model, you’ll have to custom order it, as these are no longer available on dealer lots.
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