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.

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 301-732-7197 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

Financing Is Easier Than Ever In Frederick, MD

Once you have found your dream model, and after you have taken it around the block on a test drive, your next step is to explore the different financing options available to you. This part of the purchasing process can sometimes seem daunting, particularly for drivers who are new to the process. That is why our team is here to walk you through the entire process, so you feel comfortable and confident throughout the entire experience.

Regardless of whether you prefer to lease or buy a new Lincoln model, our team can walk you through the pros and cons of each option. You can also utilize our wide selection of online tools to help expedite your experience -- tools like our finance application.

Using Our Finance Application

We understand that many drivers lead busy lives. As such, it can be difficult to justify spending an entire day at our dealership, most of which is spent discussing financing and payment options. That is where our online finance application comes in! With this application, you can choose when to apply for financing -- whether that's when you wake up or before you to go to bed. Plus, it's accessible from anywhere that has an Internet connection.

Once you have submitted this secure application to our team, we will go over it and then respond to you. From there, we will detail what your next steps are. Of course, if you have any questions about our selection of vehicles, you are always welcome to speak with our team. They would be proud to assist you with any of your automotive needs.

Leasing vs. Buying: What's the Difference?

So what's the difference between leasing and buying? Which should you consider investing in? Which offers the better investment option?

There is no objective right answer. Buying and leasing offer different benefits, which may be right for you depending on your driving needs, your budget, and your lifestyle.


For those who prefer to buy a vehicle -- who want a long-term driving option -- we recommend considering buying a car. Not only does buying give you ownership of the vehicle, but it also doesn't come with any requirements or parameters. The downside to buying a car is that you have to take out an automotive loan. This involves checking your credit and taking out a loan. Also, with the number of factors included in your monthly payment (the loan amount, loan length, APR, and your down payment), your payment per month can sometimes be on the expensive side.


If you need a short-term vehicle and you prefer lower monthly costs, then leasing may be right for you. Leases are generally less per month than buying is. However, leasing does come with some cons, too. You are allotted a certain number of miles. If you exceed this parameter, then you have to pay more (usually a fee of a few cents per mile). Additionally, you have to keep your leased vehicle in good condition. Excessive wear and tear could result in a bill when you bring the car back. However, for those who are mostly driving short distances, and who prefer a shorter term investment with lower payments, it can be a good option.Have Any Questions?

If you would like to learn more about our selection of vehicles, or if you would like to learn more about leasing and buying, feel free to stop by Ourisman Lincoln of Frederick, located in Frederick, MD. Our team would be proud to help you schedule a test drive with your preferred automotive option.

We are proud to help answer any questions you may have about the purchasing process.

We are proud to serve drivers in Hagerstown; Leesburg, VA; Westminster, MD; Gettysburg, PA; and Purcellville.