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CLIENT SUPPORT

LINCOLN AUTOMOTIVE FINANCIAL SERVICES

 

You can find answers to all of your Lincoln Automotive Financial Services questions here. If you have a specific question, simply navigate to the category it falls under. If you can’t find what you're looking for or require further assistance, we provide support by phone, email, or live chat, where a Lincoln customer representative will be happy to help you.

CONTACT US

 

EXPLORE OUR FAQS

ONLINE ACCOUNT

  • The Servicemembers Civil Relief Act (SCRA) is a federal law that provides certain benefits and protection to qualified servicemembers.
     

    To find out about some of the benefits available to you under the SCRA, click here.

  • A billing statement is generated approximately 17-20 days prior to your payment due date. It details your current amount due, payment due date, and payments / charges since your last month's statement.
     

    You may elect to have your statement mailed to the account address or delivered online. For paperless statements, register to view your account online through Account Manager and then select Paperless Statements from the "Profile" tab. All customers have the ability to print their invoice online.
     

    You may also review prior billing statements within Account Manager by selecting the "Account History" tab and selecting a payment invoice date.
     

    Please note, only the primary buyer's name is displayed on the monthly billing statements.

  • Account Manager allows you to update your personal information online. By selecting the "Profile" tab at the top menu bar, you may edit (update) your password, physical address, email address, and phone numbers. Please note, certain restrictions apply, such as updating your physical address once every 30 days.
     

    Other account updates (i.e. alternate mailing address) may be made by contacting Customer Service.

  • You may review current and prior billing statements within Account Manager by selecting the "Account History" tab and selecting a payment invoice date. Upon viewing the selected billing statement, you may choose the print option at the top of the page

  • Once registered in Account Manager you can:
     

    • Manage online payments
    • View Transaction History
    • View current and prior billing statements for previous 12 months
    • View Payment options
    • Update address, phone, email
    • Manage account alerts and preferences
  • Our Account Manager tool allows for cancellation of scheduled payments. Cancellation timing does differ between Single Payment and Automatic Payments.
     

    Single Payments may only be cancelled up until 9:00 p.m. EST 2 or more business days prior to the scheduled payment date. To cancel a Single Payment, please select the "Payment Options" tab within Account Manager. You will then need to select the option titled, "Stop single payment". Please note, payments may not be cancelled if there are less than 2 business days to the scheduled payment date.
     

    Single Payments scheduled for the Next Business Day may only be cancelled up to 9:00 pm EST on the same day your payment request is submitted.
     

    Automatic Payments may only be cancelled up until 9:00 p.m. EST 2 or more business days prior to the scheduled payment date. To cancel an Automatic Payment, please select the "Payment Options" tab within Account Manager. You will then need to select the option titled, "Stop automatic payments". Please note, payments may not be cancelled if there are less than 2 business days to the scheduled payment date.

  • Once enrolled in Account Manager, please select the "Payment Options" tab at the top menu bar. You will then be promoted to select "Single payment" of "Automatic payments".
     

    For automatic payments, a message will appear advising the amount of each payment and the scheduled payment due date. Banking information for the monthly automatic payments will be designated during enrollment. Please note, a minimum of 2 business days is necessary prior to your scheduled due date to successfully enroll your account on-line for monthly automatic payments. In the event your on-line enrollment occurs less than 2 business days, or after 9:00 pm ET on the 2nd business day prior to the next scheduled due date, you will be prompted to make alternative payment arrangements for the current payment amount.
     

    If you prefer to enroll off line, you can contact our Customer Service Center at 1-888-498-8801 and request an enrollment form to be mailed to you.
     

    Automatic payments will process and post to your account on your monthly payment due date. If a more convenient date is needed, please contact Customer Service.

  • Online payment options are available and can be made while viewing your account online within Account Manager. Please visit the "Payments" page to view all available online payment options.
     

    For your convenience, you can make a single online payment or enroll in automatic (monthly) payments within Account Manager. There is no fee from us for these services.
     

    The "Single Payment" option allows the customer to determine the amount and timing of their payments. These are not automatic deductions and must be manually scheduled.
     

    NOTE: The calendar will display the earliest available posting date to your vehicle account. For this reason, please allow 1 business day when scheduling your payment prior to 9:00 p.m. EST Monday through Friday (excluding weekends and holidays*).
     

    *For payments scheduled on a weekend/holiday or after 9:00 p.m. EST, please allow 1 additional business day.
     

    Single Payments scheduled for the Next Business Day may only be cancelled up to 9:00 pm EST on the same day your payment request is submitted.
     

    All Other Single Payments may only be cancelled up until 9:00 pm EST 2 or more business days prior to the scheduled payment date.

  • Past invoices may be viewed online within Account Manager. Select the "Account History" tab at the top menu bar to view your invoices.
     

    You can select a specific invoice date from the "Statement" dropdown menu. In addition, you may print the statement by clicking the printer icon on the "Account History" page.

  • Once enrolled in Account Manager, please select the "Payment Options" tab at the top menu bar. You will then be prompted to select "Single payment" or "Automatic payments".
     

    To schedule a single online payment, you will need to enter:
     

    • The amount you want to pay ($1.00 minimum up to $99,999.99 maximum)
    • The date you want to pay (payments can be scheduled up to 30 days in advance)
    • From what bank account (choose an account or input bank routing and checking / savings account number)
       

    To enroll in automatic (monthly) payments, select "Automatic Payments" from the Payment Options page and input your banking information as requested. Please note, the current amount due will be debited from the selected bank account on the scheduled payment due date.
     

    If a more convenient date is needed, please contact Customer Service.

  • Some users may be unable to successfully schedule an online payment until they clear their Internet "Cookies and Cache". To delete your "Cookies and Cache", please follow the instructions in your browser settings or preferences.
     

    Once these steps are taken, please attempt to schedule your payment again. If you are still experiencing difficulty, please contact Customer Service.

  • Single payments will post to your Lincoln Automotive Financial Services account on the date selected from the calendar during the "schedule single payment" process. Typically, the payment will be withdrawn from your bank account on the selected date.

  • Your payment is considered late if not received by the payment due date. If you need to make payment arrangements or discuss alternative options that may be available, please contact Customer Service.

  • We offer several payment options, including free online payments. For your convenience, you may make a one time online payment or enroll in automatic (monthly) payments within Account Manager.
     

    Once enrolled, please select the "Payment Options" tab at the top menu bar and select "Make an online payment". You will then be prompted to select "Single payment" or "Automatic payments".
     

    With single online payments, you select the amount to pay, the payment date, as well as the bank account information. For monthly automatic payments, your payment amount due will be deducted from your designated bank account on the payment due date.

  • Prior payment transactions can be viewed online within Account Manager. Select the "Account History" tab at the top menu bar to review payment transactions.

  • The payment mailing address, along with your account number, can be found on your monthly invoice, as well as the "Payment Options" screen within Account Manager. A copy of your invoice may also be available for viewing within Account Manager.
     

    For further assistance in obtaining the payment mailing address, please contact Customer Service.

  • The following payment options are available for your convenience:
     

    • Online Payments - at no charge from us and is a service within Account Manager
    • Automatic (monthly) Payments - at no charge from us and is a service within Account Manager
    • Telephone Payments - at no charge from us
    • Payroll Deduction - certain restrictions apply
    • Combined Billing - free service for multiple account holders (certain restrictions apply)
    • U.S Postal Mail
    • Lincoln Automotive Financial Services also accepts payments made through MoneyGram and Western Union
       

    For more information on the above payment options, please visit the Payment Options page in Account Manager.

  • You are able to view recent payment activity online within "Account Manager". Please note: Payments are posted at the close of business on the day they are received and can be viewed online the following business day.
     

    If your account is current and no late fees or other charges are due, any additional amounts received will first satisfy any accrued interest. Any remaining amounts will directly reduce your outstanding principal balance and reduce your overall interest charges. We will also advance your due date which causes your invoice to show no payment is due or less than the full payment is due. However, you can continue to make your regularly scheduled payment(s), which will further reduce your principal balance and overall interest charges.

  • Account Manager allows you to view your balance and payoff information online (for retail accounts only). Once logged in, you can view the balance on the "Overview" page.
     

    Payoffs for personal/commercial use installment are to be mailed to the following address:
     

    Lincoln Automotive Financial Services
    P.O. Box 790119
    St. Louis, MO 63179-0119


    For additional assistance with payoff or current balance information or balance information on Lease accounts, please contact Customer Service.

  • Customers can pay off their retail installment contract at any time with no prepayment penalty. This information is provided on the front of the retail contract.

  • Payment extensions allow you to defer a payment or two until a later date. A payment extension is a service provided to our customers to assist them in resolving a temporary financial burden. Prior to granting a payment extension, a review of the account is performed.
     

    To request a payment extension, please contact Customer Service. Accounts may be eligible to request and process an extension online. Please visit the Services tab within our Account Manager site to determine if your account is eligible.
     

    Please know, Finance Charges, or interest, will continue to accrue on your account if you executed a simple interest contract (excluding 0% APR contracts) and will be due with your next payment even though you are extending a payment. Your next payment will be applied first to any earned and unpaid interest and then to other amounts you owe. Because of the extension, your unpaid Amount Financed, or the principal balance, may not be reduced as rapidly as it would have under your original payment schedule. This may result in you owing more interest over the term of your contract than originally disclosed on your contract.
     

    If you are unable to complete an extension/due date change online, or the requested terms do not meet your needs, please contact Customer Service.

  • If your check is returned for insufficient funds, we automatically resubmit the check for payment from your bank a second time (if your bank permits). If the bank returns the check a second time, the payment is reversed from your account and you will need to submit a replacement payment.
     

    If another payment method is utilized (e.g. online payment, Telephone Payment) and returned (or declined) by your bank, please contact Customer Service to make necessary payment arrangements.
     

    Keep in mind, accounts with multiple returned payments may not be eligible for Telephone Payments.
     

    Note: Return check fees may be assessed on return payments for retail and lease contracts (as State laws allow).

  • Our Telephone Payment system allows you to make your payments over the phone with a checking or savings account. There is no fee for this service.
     

    Please note, Telephone Payments do not process the same day. Payments submitted via the Telephone Payment system prior to 5:00 pm EST, Monday-Friday (excluding holidays), will be credited to your account the next business day. Payments submitted after 5:00 pm EST, Monday-Friday (excluding holidays), will be credited to your account in two business days.
     

    Accounts that are current can schedule a Telephone Payment up to 30 days in advance. Accounts that are one day, or more, past the due date cannot be scheduled for a future date.
     

    For additional information, please review the Service Terms for Making a Payment by Telephone found on the Payment Options page of our website under Telephone Payments.
     

    Keep in mind, accounts with multiple returned payments may not be eligible for Telephone Payments.

  • Forms and documents specific to your account (i.e. copy of contract, copy of titles, payoff letter, etc.) must be requested by contacting Customer Service. If unable to locate a form or document in Account Manager, please contact Customer Service.
     

    Note: Some forms maybe available through the phone menu when calling Customer Service.

  • We are unable to accept or send email attachments. We regret any inconvenience this may cause.
     

    Please follow these steps to send a copy of the document to us electronically through Account Manager:
     

    1. Login to Account Manager
    2. Select "Correspondence" from the "Services" tab
    3. Scroll down to the "Document Upload" section
    4. Select what type of document you are uploading from the drop down menu. If not listed, select "Other"
    5. Click "Browse" and select file to upload. Acceptable file types include jpeg, jpg, png, gif and pdf
    6. Click "Upload". Once the upload has been completed, you will be able to preview the document, if desired
    7. Click "Submit"
    8. Click "Continue"
    9. A confirmation message will display. Click "Close" to return to the previous screen
       

    NOTE: Please use this option only to send files we have requested to be returned for processing.

  • Once the account balance has been satisfied, the appropriate paid in full documents are issued within 10-15 business days.
     

    If the paid in full documents have been misplaced or have not been received, please contact Customer Service.

  • In the event you lose your paper title or lien release, please contact us. If you've lost your title you will need a duplicate lien release from us and then can obtain a duplicate title from your state's Department of Motor Vehicles (DMV). If you lost your lien release, we can provide a duplicate. Please note, a fee may be charged by Lincoln Automotive Financial Services for your duplicate lien release and your DMV may charge for a duplicate title, so it's important to place your documents in a safe, secure place once you receive them. If your title was electronic, please contact your DMV for more information.

  • Your local licensing agency can provide the registration requirements for your state.
     

    If you need your title for registration purposes, we require a written request form, which can be obtained by contacting your local licensing agency. Upon receipt of the written request, we will forward the vehicle title accordingly.
     

    For additional assistance, please contact Customer Service.

  • Your payment is considered late if not received by your payment due date. A late charge may be assessed according to the state laws where your contract originated. Please review your contract for additional information, including applicable fees assessed and timing of potential fee assessments.
     

    If a more convenient payment date is needed, please contact Customer Service.

  • Reducing your monthly payment on a retail account may be possible. This option, known as a "Rewrite", allows you to extend the term of your contract. For information regarding rewrite qualifications, please contact Customer Service.

  • If you are interested in trading in your vehicle, please contact your local dealership, in addition, please consider your financial position with respect to your vehicle and other available alternatives.

  • A Transfer of Equity/Lease may allow the original customer to transfer the ownership, equity, and responsibility for their vehicle to a new customer, who agrees to pay the remaining installments of the contract.
     

    In some states, a non-refundable processing fee may be assessed to the account (prior to the credit decision) when the application is received. In addition, sales taxes may be required upon titling/registering the vehicle.
     

    Please note, this process may not release the original buyer from financial obligation.
     

    For additional information or to request a Transfer of Equity application, please contact Customer Service.

  • We understand there may be times during the term of your contract when you may be unable to make a payment by your due date. When this happens, we encourage you to contact Customer Service as soon as possible so we can help you resolve the issue and possibly avoid late charges and impacting your credit score.

  • The Account Manager Calendar will reflect your current due date and available payment dates available for your account.
     

    Note: If you have had a prior due date change, all dates may not be available.

  • "Current term" may vary from original term if; 1) any payments have been extended, and/or 2) the account was rescheduled. See an example of each scenario below.
     

    Deferred Payments: An account with two deferred payments and an original term of 60 months will be displayed as "Term - 62 Months". Please be assured, this will not change the number of contractual payments you are required to remit.
     

    Rescheduled Account: An account with an original term of 60 months and 34 payments made that was rescheduled and extended for a new term of 72 months, will be displayed as "Term 98 Months" Note, as a reschedule extends the length of the contract, the "Term" field accurately represents the total number of payments that will be made by the end of the rescheduled term.
     

    Please feel free to visit the Account History section of Account Manager to review the most recent payment history. You can also request a detailed payment history once every 30 days.

    The Servicemembers Civil Relief Act (SCRA) is a federal law that provides certain benefits and protection to qualified servicemembers. To find out about some of the benefits available to you under the SCRA, click here.

  • In order to successfully complete an online extension/due date change, the extension agreement must be reviewed and the "Accept and Sign" section completed online within 5 days of the request.
     

    In applicable states*, if there is more than one party on the contract, both parties must accept the terms of the agreement and complete the "Accept and Sign" section before the extension/due date change can be processed. (*Applicable states will display the names of all required parties.)
     

    Note: If this process is not completed within the 5 days allotted, the request will be cancelled and removed from your account.

  • If your browser is set to reject cookies, cookie-enabled web sites will not recognize you when you return. This provides you with anonymity, but it also makes it very difficult to offer you customized services. It is also less secure than using cookies, because all of your specific data must be sent to the web site each time you view a page.
     

    If your browser is set to accept cookies, any cookies that are sent to your browser are stored in your computer for a period of time. There are a few different types of cookies. A "session" cookie is stored only in your computer's working memory (RAM) and only lasts for your browsing session. When you close all your browser's windows, or when you shut down your computer, the session cookie disappears forever. A "permanent" cookie is stored on your computer's hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until either a) they expire, b) they are overwritten with newer cookies, or c) you manually remove them.
     

    We use permanent cookies to supply visitors to our site with a customized experience. These cookies do not involve personally identifiable information.
     

    The Account Manager application also uses temporary cookies and they are deleted when you shut your browser, log off or are inactive for 15 minutes. These cookies let us know that you have logged on and allow us to maintain your privacy as you move from page to page. We need to ensure your settings are such that you can access your information within this site.

  • Accounts are eligible for online access up to 60 days after the balance has been satisfied in full. Please note, if the account is in bankruptcy status or has had multiple returned payments, you may not be eligible for online access. If your account is eligible and you are currently experiencing difficulty, please contact Customer Service with the following information:
     

    1. The web-site (URL) of the page displayed after entering your Username and Password
    2. A brief description of the information presented on the page displayed
    3. The exact information being entered and text of any error or pop-up message displayed. Note: Please do not include your password
       

    With this information, we can likely discover why you are experiencing difficulty and provide additional assistance.

  • We are committed to providing you with a secure and private environment. If you are using this program at a public computer (work, kiosk, etc.) and you want to ensure complete privacy of your visit, please exit Account Manager and log off the computer or restart the browser. Additionally, your Account Manager session will time-out after 15 minutes of inactivity. Account Manager can be accessed using a mobile device.

  • The Username must contain 6-20 characters, may not be all numbers and may not have any spaces or special characters. If someone has already chosen the Username selected, the system will prompt you to select another Username.
     

    The Password must have 6-10 characters, contain both letters and numbers and no spaces or special characters. Your Password cannot be the same as your Username. Once logged in to Account Manager, you have the ability to change/reset your Password on the Profile page.
     

    If you have forgotten your Username or Password, you can select the "Forgot username or password" link at the top right of the Login Page.

    1. Certain account statuses will suspend messaging. Contact Customer Service for additional information.
    2. If your mobile phone number has been deactivated or has changed cell phone providers, your enrollment in Account Alert text messages has been cancelled. To re-enroll, please login to Account Manager and update your profile.
    3. The email address or cell phone number(s) we have on file is incorrect, or has been removed at your request. Please login to Account Manager and update your profile.
    4. If you have sent a text message to us indicating STOP, CANCEL, QUIT or UNSUBSCRIBE, we have cancelled your text alerts.
    5. If none of the above apply, contact your mobile service provider for assistance.
  • Bank account information used for online payments can be changed by selecting the "Payment Options" tab within Account Manager. Please note, banking information changes must be completed at least 2 business days before your scheduled payment date to take effect.

  • Account Manager allows you to update your personal information online. By selecting the 'Profile' tab at the top menu bar, you may update your mailing address, email address, and phone numbers.
     

    Please note, certain restrictions apply, such as updating your physical mailing address only once every 30 days. If you need additional assistance, please contact us.

  • To change your name from that listed on the original contract, please contact Customer Service.

  • You have the ability to go paperless or receive special offers from our Company at anytime. Simply go to the "Profile" tab within Account Manager to select your preferences.
     

    Please note, your monthly billing statements are available online within Account Manager.

  • We are committed to protecting customer information and providing you with quality financing, products, and services. For more information on our Privacy statement, please visit the "Privacy" link on our website or go to http://fordcredit.com/privacy

  • We are always looking for ways to enhance your website experience. If you have any suggestions for improvement, please contact Customer Service via phone or by sending an e-mail using the Email Us link on this page.

APPLY FOR CREDIT

  • Applying for credit online is the easiest and fastest way to determine how much financing you could be pre-qualified for up to a certain dollar amount and term. When you apply online, you will receive a response in less than a minute.
     

    Once you have received our response, you are welcome to contact your dealer in order to discover your financing options for a specific vehicle.
     

    To access the Online Credit Application, please visitwww.LincolnAFS.com
     

    For businesses, please contact your local Lincoln or Ford/Lincoln dealer.

  • You may contact the Online Application Center at 1-877-350-6148 for assistance in troubleshooting any issues. We apologize for any inconvenience you may experience.

  • Your application number is located in your confirmation and decision emails. You may contact the Online Application Center at 1-877-350-6148 or through our Live Chat feature located on the Online Application page or you may also contact us by email for assistance with your application number.

  • The Online Application Center is available to assist you at 1-877-350-6148 Monday through Friday from 8 AM to 5 PM CST. We also offer a Live Chat feature on the Online Application page which provides applicants with real-time interactive assistance Monday-Friday, 8:00 AM - 7:00 PM CST, and Saturday, 11:00 AM - 5:00 PM CST. In addition, please feel free to contact the Online Application Center by secured email Monday-Friday, 8:00 AM - 7:00 PM CST, and Saturday 11:00 AM- 5:00 PM CST from the Contact Us link.

  • A/X/Z plans do not affect our online credit decision process. Please contact your dealer of choice for A/X/Z Plan pricing.

  • If you selected a dealer during the application process, that dealer will be able to view your credit decision. If you did not select a dealer, the dealer will not have access to your application and contact with the dealer will be at your own discretion. If you did not select a dealer during the online application process, you may contact the Online Application Center at 1-877-350-6148 to have your credit application transferred to the dealer of your choice.

  • We appreciate your continued loyalty to Lincoln Automotive Financial Services.
     

    In order to continue working with Lincoln Automotive Financial Services, we will need you to complete an application for credit, when you are ready to purchase or lease a new vehicle. You can do so online at www.LincolnAFS.com or you may also contact your preferred dealer for assistance.

  • If you applied for credit at a dealership, you must contact that dealership in order to obtain the status of your application.

  • Your application number is located in your confirmation email. You may contact the Online Application Center at 1-877-350-6148 or you may also contact us by email for assistance with your application number.

  • The interest rate is negotiated between you and the dealer. Contract negotiations are completed at the dealership prior to signing the Retail Installment contract. Rates are not available for leases. Please consult the Finance Manager at the dealership of your choice for help regarding rates.

  • If you specified a dealer during the application process, that dealer will be able to view your credit decision. If you did not select a dealer, ask the dealer of your choice to contact the Online Application Center at 1-877-350-6148 to transfer your online credit application to the dealer of your choice. You will need to provide your application number and your date of birth to have the application transferred.

  • We are unable to change the dealer selected on your application. If you would like to select a different dealer, you will need to re-apply and select the new dealer to receive your application. When you submit your application, you consent to Ford Credit disclosing your application and the results of Ford Credit's credit decision with the dealer you select on that application. You may also apply at the new dealer of your choice.

  • The online credit application decision is valid for 30 days.

  • If additional information is needed to make a credit decision, your dealer of choice may assist you.

  • You will need to provide proof of identity (including one picture I.D.), proof of income, proof of insurance, online credit decision certificate, title for trade-in vehicle (if applicable), and any other item you feel may be needed for proof of identity and income.

  • Most online credit decisions are made in less than a minute. There are some cases where decisions can take up to 20 minutes, during normal business hours. Longer decision times may occur on higher volume days such as Mondays and days following holidays. An email confirmation will be sent upon completion of the online credit application, which will contain your application number and instructions to retrieve our credit decision. You can retrieve our online credit decision by visiting www.LincolnAFS.com and selecting "Retrieve Your Credit Decision" in the "Apply for Credit" section. You will be asked to provide your application number and your birth date.

  • Your credit decision is valid for 30 days. If the vehicle you ordered is not ready and your decision is about to expire, please contact the Online Application Center at 1-877-350-6148 or your dealer for assistance.

  • You may be asked to provide a copy of your W-2 form, paystub, utility bill, or any other information needed for proof of identity or income. In some instances, your dealer may be able to assist with the clarification of the information that was entered on your credit application.

  • To apply for a pre-owned vehicle, you will need to select a vehicle from the dealerships's online pre-owned inventory. Please visitwww.lincoln.com and select "Find a Dealer". Once you find a your pre-owned vehicle, select the vehicle by clicking "View Details" and then click on the link labeled "Apply for Credit" located below the vehicle details, if available. Otherwise, please see your dealer for assistance.

  • If you are interested in purchasing multiple vehicles, you may do so by contacting any Lincoln or Ford/Lincoln dealer.

  • Certain modifications may be made without submitting another credit application however significant changes to your contract characteristics may require a credit application reassessment. If you wish to alter the information provided on the application, please consult the Finance Manager at the dealer of your choice.

  • Certain modifications may be made without submitting another credit application however significant changes to your contract characteristics may require a credit application reassessment. If you wish to alter the information provided on the application, please consult the Finance Manager at the dealer of your choice.

  • Your Lincoln or Ford/Lincoln dealership is in the best position to provide you with an exact trade-in-value of your vehicle. In addition, you can obtain an estimate for your trade-in vehicle from various online resources.

  • It is possible to be approved for a vehicle that has not been manufactured. You will need to contact your local dealer to discuss specific delivery dates.

  • Your credit decision is valid for 30 days. If the vehicle you ordered is not ready and your decision is about to expire, please contact the Online Application Center at 1-877-350-6148 or your dealer for assistance.

  • If you are approved for credit you may qualify for a special APR at the time of purchase. You may visit the Finance Manager at the dealership of your choice to learn if you qualify for a special APR that is currently being offered.

  • If your credit application is approved, your retail rate will be negotiated between you and the Finance Manager at the dealership.

  • The interest rate is negotiated between you and the dealer. Contract negotiations are completed at the dealership prior to signing the Retail Installment contract. Rates are not available for leases. Please consult the Finance Manager at the dealership of your choice for help regarding rates.

  • If you closed your browser before your application number was provided, look for your email confirmation in the inbox for the email address you provided on the Online Credit Application. If you did not receive a confirmation email, please contact the Online Application Center at 1-877-350-6148 for assistance.

  • In order to explain certain aspects of your credit history, please call the Finance Manager at your dealer of choice. The Finance Manager will be able to answer any questions you may have. Please reference your Online Application number listed on your decision certificate and email.

  • If you are a member of the U.S. military and are currently serving overseas, please contact your military sales office to apply for credit. Lincoln Financial Automotive Services' Online Credit Application is currently not able to accept applications with an APO/FPO.

    The Servicemembers Civil Relief Act (SCRA) is a federal law that provides certain benefits and protection to qualified servicemembers. To find out about some of the benefits available to you under the SCRA, click here.

  • Simply click on the "Joint" button in the Application Type section of the online credit application form. You will be able to enter the joint application's information during the online credit application process

  • Currently, we are not accepting applications over the phone. You may apply online at www.LincolnAFS.com or on a dealership website. You may also apply for credit at your Lincoln or Ford/Lincoln dealer.

  • To retrieve your credit decision, please visit www.LincolnAFS.com and select "Retrieve Your Credit Decision" in the "Apply for Credit" section.
     

    If you are applying between normal business hours of Monday-Friday 8AM to 8PM CST and Saturday 11 AM to 5PM CST, in most cases, you will receive a decision within 20 minutes. You will be notified by email when our credit decision is ready.

  • You may submit a credit application online www.LincolnAFS.com. If approved, the pre-approval will provide you with a dollar amount and term that will allow you to shop for your vehicle at a participating Lincoln dealership. Your dealer may be able to provide you with a higher approval amount.
     

    If you know the vehicle you want, select that vehicle when submitting your application from the "Estimate a Payment" link located in the Financial Tools section.

  • After you submit an online credit application, you will immediately receive a confirmation email stating that your application has been successfully submitted. In most cases, credit decisions are made in less than a minute, with some requiring up to 20 minutes. Once your decision is ready, you will be notified by email that you can retrieve your credit decision. After you have retrieved the decision, please print the online decision certificate and present it at your Lincoln or Ford/Lincoln dealer of choice. You may be required to provide additional information to complete your transaction.

  • For information regarding your personal credit information, please contact the credit bureau reporting agencies - Experian, TransUnion or Equifax.
     

    If you wish to explain certain aspects of your credit history, please contact the Finance Manager at your dealer of choice. Please reference your Online Credit Application number listed on your decision certificate.

  • If we were unable to approve your application for financing on the terms originally requested, a letter of explanation will be forthcoming.

  • Significant changes to your contract characteristics may require a credit application reassessment. You may contact the Online Application Center at 1-877-350-6148 or contact your dealership of choice.

  • Our credit decision will be based upon the information provided by you in your credit application, your credit bureau, and the specific contract characteristics.
     

    Credit worthiness includes an assessment of the ability to pay your contract obligation, employment and residence stability, and your credit history. Contract characteristics are the terms/structure of your debt obligation and may include the amount financed, down payment, monthly payment, term, trade-in amount, etc.

  • If you have completed an online application, it is not necessary for you to complete another application at the dealership. If you selected a dealer during the online application process, your dealer will have your information when you get there. You should print your decision certificate and take it to the dealership for ease in completing.

  • Yes, Lincoln Automotive Financial Services' customer information is held securely and our websites operate in a secure environment. Information that you send to Lincoln Automotive Financial Services is encrypted before you send your request. Lincoln Automotive Financial Services provides enhanced security by using cookies to verify your online decision. Cookies pose no hazard to your computer, but as a result of this feature, you will only be able to have one session of the Lincoln Automotive Financial Services site open at a single time.

  • Payment history is reported based on the customer's actual credit experience. Detailed account history is reported for both the buyer and co-buyer on a regular basis, to the three major Credit Bureau reporting agencies.
     

    If you need a Credit Reference Letter mailed or faxed, please contact Customer Service.

  • If you dispute information we report to a credit bureau, your dispute must be in writing and should include the following information:
     

    • Copy of the credit bureau report entry that is being disputed (relevant pages only)

    • Social Security number – to assist in locating the account and to verify information reporting to the credit reporting agencies.

    • Account number (usually 8 digits)

    • Specific information that is being disputed

    • Basis for the dispute

    • Documentation to support the basis of the dispute



    Send your dispute to:
     

    Ford Credit or Lincoln AFS c/o Correspondence

    P.O. Box 542000

    Omaha, NE 68154-8000

  • If you need a Credit Reference Letter mailed or faxed, please contact Customer Service.

VEHICLE PROTECTION

  • An optional extended warranty compliments your factory limited warranty, and the coverage is based on the plan selected. A wide range of coverage options are available based on individual needs, and a deductible may apply. Always read all documentation and have your dealer explain the product costs and terms and conditions. For more information on purchasing an extended warranty or coverage, please contact your local dealership.

  • For Retail Installment accounts, an optional GAP product generally covers the difference between the vehicle's actual cash value and the contract payoff in the event of theft or destruction of the vehicle. GAP may be obtained from your local dealer at the time of vehicle purchase. With GAP, the buyer is usually responsible for:
     

    • Any primary insurance deductible that is greater than $1,000. GAP may pay up to $1,000 of the customer's insurance deductible. The deductible amount protected by the GAP program is indicated in the provider's GAP Addendum / Insurance policy.
    • Late fees, payments due as of the date of loss (unless covered by GAP), and extended payments (as applicable)
    • Prior physical damage that has not been repaired
       

    For Lease accounts, GAP waives the lessee responsibility for any deficiency between the remaining depreciation plus the Lease End Value and the insurance settlement when the lessee maintains proper insurance. The lessee is responsible for:
     

    • The insurance deductible
    • Any past due charges as of the date of loss (monthly payment, fees, etc.)
    • Prior physical damage that has not been repaired
       

    GAP waiver will not be executed if the lessee does not maintain proper insurance or when the primary insurance pays the account in full.

    For more information about GAP Coverage which is designed to prepare for unexpected losses, please contact your local dealership.

     

    GAP IS NOT AVAILABLE FOR COMMERCIALEASE
     

    Always read all documentation and have your dealer explain the product costs and terms and conditions. Please see your dealer for other restrictions on GAP for commercial use vehicles.

  • In order to have an Insurance Check endorsed, please contact Customer Service.

  • In the event your vehicle is deemed a total loss, please contact Customer Service with the following information:
     

    1. Your current home address and telephone number.
    2. The insurance company's name, address, telephone number and fax number.
    3. The insurance agent's name and phone extension.
    4. The insurance claim number, deductible and proposed settlement amount (if available).
    5. The salvage lot's name (where the vehicle is located), telephone number, and stock number (if applicable).
    6. The date of the incident.
    7. The mileage on the vehicle.
    8. Police Report.
    9. Insurance Declaration page.
  • Customers are required to maintain proper insurance coverage throughout the course of the contract, as stated on your retail or lease contract. For further information regarding insurance requirements, please review your contract or consult your automobile insurance agent.

  • Credit Life and/or Disability Insurance are optional coverage that may be purchased at contract inception at your local dealership.
     

    The dealership is responsible, in most states, for facilitating the cancellation process, including securing any refund due for unused premiums. The refund may take up to 30 days to be issued, and once the refund is obtained, the money will be applied to the outstanding balance of your vehicle account. If the account balance has been satisfied in full, the refund may be sent directly to the customer. Always read all documentation and have your dealer explain the product costs and terms and conditions. Please contact the originating dealer for additional assistance.

PURCHASE

  • Interest paid on your Retail account for the prior year and current year-to-date can be found on the "Overview" page within Account Manager. Prior year interest paid is also reflected on the January and February billing statements.
     

    In addition, you can view a detailed history of the last 12 months, including principal and interest breakdown, by visiting the "Account History" section of Account Manager.

  • Your Annual Percentage Rate (APR) is displayed on your Retail Installment contract, as well as the "Overview" page within Account Manager.

  • Our system is set up to benefit customers who wish to pay extra towards principal and/or pay ahead on their Retail Installment contract.
     

    For accounts set-up on Simple Interest Financing, as long as you continue to pay the regular monthly amount, any additional funds are applied to the principal balance. The additional funds are also credited to the next payment due, resulting in an "adjusted" amount due.
     

    However, if you choose to pay the adjusted amount due, you will lose the "savings" on the principal. You will not pay any more interest unless your payment is late (1 or more days past due). Thus by paying more than the scheduled payment, the extra funds are applied to the principal, ultimately reducing the term of your contract. If you wish to have your invoice reflect your regular monthly payment amount, please contact Customer Service. For additional information on Simple Interest Financing, please review the Simple Interest Financing FAQ or refer to your Retail Installment Contract.

  • Simple Interest Finance (SIF) is a common method of calculating finance charges, based on the agreed terms (amount financed, number of payments, interest rate/APR, due date, etc.) of a finance contract. Payments are allocated between principal and accrued finance charges (interest). Finance charges shown on the contract assume a customer will make the stated payment amount on the stated due date, for the full length of the contract term.

     

    SIF FORMULA
     

    Step 1: Convert APR into a decimal by dividing by 100
     

    Step 2: Multiply the decimal by the outstanding principal balance
     

    Step 3: Divide the result by 365 calendar days. This is referred to as the per diem, or daily interest. This amount will change as the principal balance decreases.
     

    Step 4: Multiply the per diem by the number of days since the last payment applied to your account.
     

    The result equals the amount of finance charges accrued for a certain period, or number of days.
     

    Balance X (APR/100) / 365 calendar days
    X Days Between Payments 
    = Finance Charges Accrued



    SAMPLE CALCULATION
     

    Assuming an outstanding principal balance of $10,000.00, an APR of 12%, and a scheduled monthly payment of $300.00, the daily finance charge is calculated as:

    (10,000 X 0.12) / 365 = $3.287 per day

    Finally, since SIF considers the number of days between payments received; paying earlier or later will affect the total amount of accrued finance charges. Using the value of $3.287 per day and a payment of $300.00: 

    Days between payments

    15

    30

    45

    Accrued finance charges

    $49.31

    $98.61

    $147.92

    Amount applied to principal

    $250.69

    $201.39

    $152.08



    WHAT YOU NEED TO KNOW
     

    Consistently paying early and/or more than the minimum amount due over the life of the contract will result in LESS accrued finance charges. Doing this can save money and result in paying off a loan early.
     

    Frequently paying late and/or less than the minimum amount due will result in MORE accrued finance charges. Also, adding time in-between payments (for example extensions, due date changes, and rewrites) means you will pay MORE in finance charges and take longer to payoff.
     

    For additional information on Simple Interest Financing, please review the Interest Paid, Paying Additional Towards Principal or My Interest Rate FAQs. You can also refer to your Retail Installment Contract.

  • Special interest rates and /or rebates are regionally based and differ with the make and model of the vehicle. You are welcome to research nationally advertised offers online at the manufacturer's website.

     

    Please contact the Finance Manager of your local dealer to arrange financing terms that will suit your needs. We are confident your dealer will have the answers to your questions and can assist you in making the necessary financing arrangements.

LEASE

  • Approximately 120-150 days before your lease is scheduled to end, a Lease-End Brochure will be sent outlining what to expect when returning your lease vehicle.
     

    In addition, 35-45 days before your lease is scheduled to end, you will be contacted by either your originating dealer* or a vehicle inspection company to arrange a date for your vehicle inspection. This inspection is a standard practice and recommended so that you will be aware of our assessment of Excess Wear and Use on your vehicle. If for some reason you are not contacted about an inspection, contact your dealer for assistance.
     

    On or before the scheduled lease-end date, return your vehicle to your originating dealer*. We suggest scheduling an appointment for vehicle return in advance to ensure your dealer will be ready to support your needs. Failing to return your vehicle on time could result in additional charges as described in your Lease Agreement.
     

    To fulfill your lease obligations, you need to be present at vehicle return to:
     

    • Review and sign the Odometer Statement (required by federal law)
    • Pay any Excess Mileage, Excess Wear and Use charges and any applicable lease Disposition Fee
       

    *If the originating dealer is out of business or you are unable to return the vehicle to the originating dealer, contact the closest same-brand dealer.
     

    If you are having trouble locating a participating same brand dealer, please contact Customer Service.

  • At the end of your Red Carpet Lease, you have your choice of three different options:
     

    • Purchase or lease a new vehicle
    • Purchase your leased vehicle for the price stated in your Lease Agreement (plus any applicable taxes and/or fees)
    • Return your leased vehicle (after satisfying any lease-end obligations, such as mileage, wear and use charges and any applicable lease Disposition Fee)
       

    For more information about the lease-end process and your lease-end options, please contact your originating dealer or visit the Leasing section of our website.

  • A personalized Lease-End Mailing will be sent approximately four (4) months before your schedule lease-end date with information about the lease-end process and the three different options available at the end of your lease:
     

    • Purchase or lease a new vehicle
    • Purchase your leased vehicle for the price stated in your Lease Agreement (plus any applicable taxes and/or fees)
    • Return your leased vehicle (after satisfying any lease-end obligations, such as mileage, wear and use charges and any applicable lease Disposition Fee)
       

    Your mailing will also include details about how to determine if your vehicle has excess wear and use or mileage. To learn more about your lease-end options, click here.

  • Lease payments are usually lower than similar-term finance payments because you're only paying for the portion of the vehicle's value used during the lease term and any associated charges. Leasing has many advantages and benefits, including a variety of mileage options and contract terms to best suit your needs. In addition, at the end of your Red Carpet Lease, you have the choice of three different options:
     

    • Buy or lease a new vehicle
    • Purchase your leased vehicle for the price stated in your Lease Agreement (plus any applicable taxes and/or fees)
    • Return your leases vehicle (after satisfying any lease-end obligations, such as mileage, wear and use changes and any applicable lease Disposition Fee)
       

    For more information on leasing a vehicle, please contact your dealer or visit the Leasing section of our website.

  • Mileage allowance is determined at lease inception. Any mileage accrued on the leased vehicle that exceeds the amount allowed per the contract is assessed a charge. Please review your Lease Agreement for the exact amount of allotted miles allowed.
     

    This charge is assessed if the vehicle is returned to the dealership at lease-end however, if you choose to purchase the vehicle at lease-end, you will not be charged for any additional mileage.
     

    For more information about mileage allowance, please contact your originating dealer or contact Customer Service.

  • Taxes vary by state and are calculated based on the lease payment amount and garaging location of the vehicle. This tax may fluctuate due to city, county or state tax rate changes. The tax may also change if the garaging location of the vehicle changes.
     

    Please contact your local tax authority to verify your monthly rental tax rates.

    The Servicemembers Civil Relief Act (SCRA) is a federal law that provides certain benefits and protection to qualified servicemembers. To find out about some of the benefits available to you under the SCRA, click here.

  • You may terminate your lease early by following the instructions contained in the "Voluntary Early Termination" section of your Lease Agreement.
     

    To exercise a Voluntary Early Termination, please follow the steps listed below:
     

    • Return the vehicle to the originating dealer*
    • Pay to the dealer the difference between the current balance and the Fair Market Wholesale Value of the vehicle, plus an early termination fee (if applicable, see your Lease Agreement) or the sum of the remaining unpaid payments plus all other amounts due under the lease including any Excess Wear and Use, Excess Mileage charges and any applicable lease Disposition Fee (see your Lease Agreement for details)
    • For advance payment leases, if the Fair Market Wholesale Value is greater than the current balance, you will receive a credit for the difference less the early termination fee if applicable (see your Lease Agreement for details)
    • Review and sign a Vehicle Condition Report and Odometer Statement(required by federal law)
       

    *If you have moved and it is no longer convenient to return to your originating dealer (the dealership which originated your lease), you may return or purchase your leased vehicle through any participating same-brand dealer. Be sure to schedule an appointment in advance. If you are unable to locate a participating same-brand dealer, please contact Customer Service.

  • Return your leased vehicle to your originating dealership* by the lease-end date. Remember to bring any repair receipts as well as all keys and key fobs. To fulfill your lease obligations, you need to:
     

    • Satisfy any remaining financial obligations (such as mileage and wear and use charges)
    • Facilitate lease-end requirements, such as reviewing and signing the Odometer Statement (required by federal law)
    • Complete your vehicle return transaction
       

    If you have not already talked to your dealer, we suggest you contact the originating dealer approximately 45 days prior to lease-end and take the opportunity to discuss:
     

    • Your vehicle return options
    • Questions about Excess Wear and Use or Excess Mileage you have
    • Your replacement vehicle needs
    • Your appointment to return your leased vehicle (on your scheduled lease-end date)
       

    Failing to return your vehicle on time could result in additional charges as described in your Lease Agreement.
     

    * If you have moved and it is no longer convenient to return to your originating dealer (the dealership which originated your lease), you may return or purchase your leased vehicle through any participating same - brand dealer. Be sure to schedule an appointment in advance. If you are unable to locate a participating same-brand dealer, please contact Customer Service.

     

  • A Security Deposit, if collected, is a cash amount paid at contract inception, which is held until the end of the lease term. A Security Deposit may be applied towards any Excess Wear and Use and/or Mileage charges or any other amount due (including any lease Disposition Fee). Any charges would be deducted before a refund of the Security Deposit is made. For questions regarding the Security Deposit refund, please contact Customer Service.

  • With permission, a leased vehicle may only be taken to Mexico or Canada for up to 30 days. Certain restrictions may apply.
     

    For further information, please contact Customer Service. Please note, leased vehicles may not be shipped overseas.

  • A Transfer of Lease may allow the original customer to transfer responsibility for their vehicle to a new customer who agrees to pay the remaining installments of the contract. Please note, this may not release the original lessee from their contractual obligation and certain restrictions may apply.
     

    In some states, a non-refundable processing fee may be assessed to the account (prior to the credit decision) when the application is received. In addition, sales taxes may be required upon titling/registering the vehicle.
     

    For additional information or to request a Transfer of Lease application, please contact Customer Service.

  • Please contact your local vehicle licensing agency for assistance with your vehicle registration. Once we receive the request from the licensing agency, the title will be forwarded accordingly (if applicable).
     

    If a Power of Attorney is needed for vehicle registration, please contact Customer Service.

  • To locate a dealer in your area, please visit the manufacturer's website at:
     

    Locate A Dealer

  • For product recall information, please contact your dealership or the manufacturer's website at:
     

    Safety Recalls

  • For product, product warranty or service issues please contact your dealership or the manufacturer's website at:

    www.lincoln.com

COMMERCIAL

  • There may be a brief period of time when a vehicle is not displayed in the Payment Estimator. Typically, these times are limited and the vehicle will be available once detailed specifications are published. In order to complete the calculation, you can select a vehicle that is similar in value to the vehicle you wish to purchase. Your local dealer will be able to modify the information when you select your vehicle.

  • The price, payment amount, and rate shown on the Payment Estimator are for estimation purposes only. The actual price, payment amount, and rate will be negotiated with your dealer of choice. They also may vary due to local rebates, special incentives, fees and credit qualifications and does not include taxes, title and registration fees. Contact your local dealership for qualifications and complete details.

  • In the event the Payment Estimator is not available, you may obtain payment information from your dealer of choice.

 

CONTACT US

At Lincoln Automotive Financial Services, we’re dedicated to making your financing experience as satisfying as possible. You may choose from a variety of ways to contact us so that we may provide you with the information and answers you need.

  Email icon SECURE EMAIL FORM TWITTER

 

PHONE

1-888-498-8801 ( Lincoln Clients)

1-888-498-8758 (Black Label Clients)

Monday through Friday, 7 a.m. to 8 p.m. CT
Saturday, 7 a.m. to 5 p.m. CT

 

For the hearing impaired:
Please contact the TDD Relay Service by dialing 711

 

MAIL

If you need to send documents by mail, please contact us by phone or e-mail in order for us to provide the proper mailing address.

 

 

This page is for individual Lincoln Automotive Financial Services customers. For Commercial Vehicle Fleets or Leasing, please visit our Commercial Financing page.