Credit FAQs

  • How do I apply for credit online?

    Visit Apply Online and complete the online credit application. 

  • How do I retrieve my credit decision?

    Visit See Your Credit Decision, enter your application number and birth date and click on Get Your Decision.  

  • What information do I need to apply for credit online?

    You will need your Social Security Number, date of birth, employment status and/or annual income, address (and whether you own or rent), your monthly mortgage/rent amount and your email address to apply online.

  • How do I dispute information reported by Lincoln AFS to a credit bureau?

    If you dispute information that 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 eight digits)
    • Specific information that is being disputed
    • Basis for the dispute
    • Documentation to support the basis of the dispute

    Send your dispute to:

    Lincoln AFS c/o Correspondence

    P.O. Box 542000

    Omaha, NE 68154-8000

Contact Us

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


Lincoln Clients: 1-888-498-8801
Black Label Clients: 1-888-498-8758

Hearing Impaired please dial 711.
Mon. - Fri., 7am-8pm CT Sat., 7am-5pm CT

New York City Residents please ask your representatives for language assistance if you prefer to speak in a language other than English. You may also receive a translation and description of commonly-used debt collection terms that are available in multiple languages on the Department website,


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 Customers.

For commercial vehicle fleets or leasing, please visit our Commercial Financing Page.