Financing Benefits


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 (607) 272-8000 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

At Maguire Lincoln of Ithaca, we aim to treat every driver like a V.I.P. That's because every customer who walks into our dealership is important to us, and we want to provide drivers like you with the personalized care you deserve.

When you visit our finance center near Ithaca, Elmira, and Cortland, New York, one of our finance experts will welcome you and dive in to customize your payment plan. Whether you choose to buy or lease a Lincoln, we'll give you the attention you deserve.

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 financing options that are as individual as our drivers. We also offer programs and tools, like our Account Manager, designed with true respect for your schedule and unique preferences.

Our professionals will roll out the red carpet and provide a warm welcome when you visit our finance center. You can sit down one-on-one to talk through your options with an expert. Feel free to ask us any questions, such as the differences between buying vs. leasing. We're here to help you make a choice fitting your lifestyle.

We also provide you with unparalleled access to exclusive offers and incentives on new Lincoln vehicles. You can browse our new vehicle specials, finance, and cash offers to see what catches your eye. Do you already know what you want? You can reserve or order a Lincoln tailored to your vision.

Our team has years of experience, attention to detail, and a love for helping our customers. We want to see you find a financing plan as impeccably tailored as a custom suit.

Purchase a Lincoln

Looking for a new or Certified Pre-Owned Lincoln that's completely yours? You can make a purchase to take the keys and drive off satisfied. Buying your next Lincoln vehicle comes with many advantages:

  • 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 is designed to bridge that gap. 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. 

With certain restrictions, GAP Coverage 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 original dealer.

GAP Coverage Options

It's important to do your research before making a decision. When deciding between GAP Coverage and GAP Advantage, learning about both of the plans allows you to choose accordingly.

Flex Buy Program

The 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

Do you want to enjoy a luxurious new Lincoln and upgrade your model every few years? Leasing a Lincoln could be the ideal option for you, and the Red Carpet Lease program offers flexible terms for a new lease on life. There are a number of reasons to choose 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 Benefits

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 (such as 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 that 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, and we'd be happy to walk you through your options! Your satisfaction is our priority.

Trade In Your Vehicle at Our Dealership

You're ready to enhance your driving life with a new or new-to-you Lincoln. Now, what should you do with the car currently sitting in your driveway? We're happy to take that vehicle off your hands! Trade your vehicle with us, and we'll give an offer you can use towards your next wheels. It's a win for everyone!

Perhaps you'd rather sell your car and use the offer for another purchase. That's all right, too-we'll buy your car even if you're not looking to buy another right now. You can get your trade or purchase offer from our dealership today, then drive off into the sunset.

Start Your Financing Journey With Us Today

When you visit the finance center at Maguire Lincoln of Ithaca-our Lincoln dealership serving Ithaca, Elmira, and Cortland, NY-you might feel like you're getting special treatment. Every customer who visits us receives personalized assistance to customize their plan.

Your driving happiness matters to us, so stop by today for a warm welcome and V.I.P. service. Have questions about the financing process? Contact us today!