FINANCE CENTER

Financing Benefits

Financial excellence matched only by the quality of our vehicles

Buying a new vehicle is an exciting experience. We make sure you enjoy every moment of it by eliminating the hassle of financing. Our exclusive offers from Lincoln Automotive Financial paired with the level of standards you can expect from Lincoln Motor Company and Thornhill Lincoln. Whether you are looking to lease a new Lincoln MKZ or buy your very own Lincoln Navigator, we give you the lowest payment possible with the best finance terms available. Give us a call or send us a message to explore the possibilities we have for you.


What sets us apart from everyone else is our customer-driven process. We address your protection needs from the very start, which allows us to be 100% transparent every step of the way. With all of the information readily available to car buyers, we are able to get right to the facts. Our finance experts will show you exactly how we can keep you on the road even during those unexpected moments.


If you are looking for additional protection on your current vehicle, we have you covered! Our certified finance managers maintain regular training schedules in order to develop the best plan for your lifestyle. We can show you the various protection levels and help you on any vehicle no matter where you bought it. Let us offer you the Thornhill peace of mind on your personal vehicle and pave your way with confidence. 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 (304) 855-8300 and we'd be happy to walk you through your options. At Thornhill Lincoln, your satisfaction is our priority.
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