Lincoln Finance Center in Sioux Falls, SD

When you're looking to buy a luxury car, we understand that Sioux Falls shoppers want every step of the purchase process to be as smooth as driving your new ride. That's why Sioux Falls Lincoln is proud to offer a team of auto financing professionals on-site who can offer sound advice on payment options for your next vehicle. Our finance center is here to make your next luxury car purchase or lease convenient and well-suited to your needs. We want to take the mystery out of auto financing by working to get you the car loan or lease that fits your lifestyle, and a pay-off period that works comfortably with your individual needs.

Best of all, we provide Sioux Falls Lincoln shoppers with an array of finance tools to use from the comfort of home, so if you'd like to streamline your purchase process you can apply for financing pre-qualification ahead of your visit to our Lincoln dealership.

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 833-201-8401 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

New Lincoln Financing

With all our new Lincoln models, Sioux Falls shoppers may apply for a car loan in-store or at home.

In offering an online, car-loan application, you may conveniently complete the procedure at your leisure. This accomplished without the worry that might be experienced within a dealership setting.

Or for a personal touch, our finance professionals are at the ready in providing all manner of auto-financing solutions when you apply for financing.

Lincoln Leasing in Sioux Falls

There are definite advantages to a Lincoln lease outside Sioux Falls.

As such, for a period of three to four years, you're able to pilot a new Lincoln Corsair during its most worry-free period.

Other benefits extended when leasing Lincoln consist of the following:

  • Lower monthly payments are one deciding factor to Lincoln leasing.
  • With Lincoln lease specials, security deposits might be waived as a matter of course.
  • Upon lease maturity, options of purchasing or leasing anew the latest in Lincoln models may be exercised.

The above lease details beg the question of some clients concerning which is more opportune - buying or leasing?

Buy v. Lease - What's the Best Option for You?

The difference between purchasing or leasing a Lincoln invariably rests with the client and their personal circumstances.

When considering a new luxury SUV like the Lincoln Aviator, it's important to consider what's most important to you. Are you looking to own your Lincoln for the long-haul? Do you have to drive many miles in a typical week? If so, financing your vehicle is likely the best option for you.

On the other hand, if you'd like the option to upgrade your vehicle every few years, or prefer keeping your monthly payments as low as possible then a Lincoln lease offer may be the best fit for you.

For a breakdown of buying v. leasing, here are some common differentiators to consider:

  • When buying a new Lincoln Navigator, you're not beholden to yearly mileage parameters enshrined in many lease agreements.
  • Should your driving be limited to Sioux Falls proper, leasing presents an affordable option to Lincoln-minted luxury. Monthly lease payments are typically lower than car loan payments.
  • With buying, the owner is wholly responsible for service and maintenance.
  • Leasing allows the client a period of complimentary maintenance over the most basic of service procedures.
  • Purchasing any new vehicle will see immediate depreciation in vehicle value.
  • When leasing your Lincoln luxury SUV, you may simply turn the model in after lease maturity, purchase the vehicle or lease another new model.

Pre-Owned Car Financing in Sioux Falls, SD

With an extensive pre-owned luxury vehicle inventory - including those models bearing the distinction of Lincoln Certified Pre-Owned - you may apply for financing with our dealership.

So, with our selection of Certified Pre-Owned Lincoln models, you're provided a "like-new" vehicle at a fraction of a new purchase. Lincoln Certified Pre-Owned (CPO) program benefits sweeten things, too - providing a basket of advantages.

Comprising the Lincoln CPO program are the following details:

  • Passage of the 200-point inspection ensures Lincoln quality.
  • Lincoln factory parts are installed during reconditioning.
  • CARFAX® vehicle-history reports are relied upon for insight and documentation.
  • Roadside assistance is complimentary and offered without interruption.
  • The comprehensive limited warranty lends six years of coverage from the original, Lincoln New-Vehicle Limited Warranty start date or 100,000-miles accrued.

Apply For a Car Loan With Sioux Falls Lincoln Today

When you've decided on that quintessential sense of Lincoln luxury, apply for financing online or visit our local Sioux Falls Lincoln dealership to consult with our financing team. We're happen to answer any questions you may have, along with providing recommendations to offer you flexible payment options for your next luxury vehicle.

  1. Sioux Falls Lincoln

    4901 W. 26th St
    Sioux Falls, SD 57106

    • Sales: 833-201-8401
Loading Map...

Get in Touch

  • Contact our Sales Department at: 833-201-8401
  • Monday9am-8pm
  • Tuesday9am-8pm
  • Wednesday9am-8pm
  • Thursday9am-8pm
  • Friday9am-7pm
  • Saturday8am-6pm
  • SundayClosed