Financing Benefits At Lincoln of Wayne

Find an Affordable Lease or Loan to Match Your Choice of a Lincoln Model

At Lincoln Of Wayne, we believe that the auto financing process should echo the rest luxury ownership experience. That's why we are here to serve Paterson NJ, East Hanover NJ, Caldwell NJ, Clifton NJ, Roseland NJ, and beyond by making finding an affordable lease or loan as quick and convenient as possible. Our finance team offers white-glove service to work with major lenders to find low rates. We work with you to find the financing you need to comfortably afford the luxury Car, Sedan or SUV that suits your budget best.

How to Choose Between a Lease or Loan at Lincoln Of Wayne

It's difficult to know when it's time to choose between a car loan or lease, because both options open different opportunities. At Lincoln Of Wayne, our finance team helps Paterson NJ, East Hanover NJ, Caldwell NJ, Clifton NJ and Roseland NJ drivers navigate the complexity of auto financing to find the best solution for you. Leases are generally preferred by drivers who are looking for few expenses upfront, allowing for low monthly payments and easier access to top luxury features. Loans do cost more at first, but they offer benefits like trade-in value at the end of ownership, as well as the ability to build equity.

Visit Lincoln Of Wayne Today to Learn How We'll Help You Finance Your Lincoln Nautilus, Corsair, Aviator, Navigator or MKZ

Are you ready to begin the Lincoln financing process? Our team in Wayne NJ is prepared to give you a full-service experience that suits your interests and gets you home to Paterson NJ, East Hanover NJ, Caldwell NJ, Clifton NJ or Roseland NJ on your terms. Your new car lease or used car loan is within reach, and you only have to speak with our financing professionals about your needs, then watch us work our magic for you. Visit today to get started.

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 973-696-9700 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.