Finance

Auto Loans

The Mark Ficken Lincoln finance department is focused on ensuring your experience with our dealership exceeds your highest expectations. Our friendly finance managers work with people from all over including Charlotte, Indian Trail, and Pineville to ensure our customers get the right finance program at the most competitive rates.

Our Financial Services Include:

  • Competitive rates direct from Lincoln Automotive Financial Services
  • Quick approvals
  • Value-added services to protect your vehicle investment
  • Extended warranty programs
  • And many more finance programs to fit your needs
Mark Ficken Lincoln Charlotte NC
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New Vehicles

Mark Ficken Lincoln Charlotte NC

How is your credit?

Whether it is perfect or not so great, we can custom design the right financing package for your next vehicle purchase.

Best

"I never miss a payment!"

The Mark Ficken Lincoln loan process can help you find the best interest rate for your next vehicle purchase.

Try our credit application today.

Great New Vehicle APR!*

Competitive Used Vehicle Rates*

We have hundreds of new and used Lincoln vehicles for immediate delivery and access to some of the lowest interest rates in the business. *Rates subject to change. Please see dealer for up to date rates.

OK

"I've missed a payment or two."

Due to our special arrangements with local and national lenders, we can help you get the new or used vehicle you deserve. Whether your past credit is near perfect or not so perfect, we can help!

Complete our credit application and our team of finance professionals will begin working for you. We have hundreds of Lincoln vehicles currently available for immediate delivery.

Not So Good

"I need to rebuild my credit..."

Are you new to this country? Have you been turned down before? We can help. We have programs to help you get into a car and rebuild your credit. We are able to overcome most credit problems.

To get started, fill out our credit application online.

Once the application is completed, the Mark Ficken Lincoln finance team will put together a loan package that is tailored specifically for you.

Lincoln Financing FAQs in Charlotte, NC

Our finance team is here to guide drivers in Charlotte, NC through every step of getting a new Lincoln loan or lease. Here are answers to the questions we hear most often.

How do I apply for financing at Mark Ficken Lincoln before visiting?
Start with the online financing application. Have your personal, employment, and income information available so you can complete it accurately. Applying ahead of your visit lets you begin exploring financing before finalizing your vehicle choice. An application is a request for credit, not a guarantee of approval or a particular payment.
Does Mark Ficken Lincoln work with Lincoln Automotive Financial Services or other lenders?
Mark Ficken Lincoln states that it works with Lincoln Automotive Financial Services and additional lending partners for new and pre-owned vehicle financing. Available options depend on your application, vehicle, and lender requirements. Ask which financing programs apply to your purchase and compare the complete terms before choosing. The dealership's Finance Center can walk you through what's available.
Can I apply for a Lincoln auto loan if I have limited credit or past credit challenges?
You can discuss your circumstances with the finance team and submit an application for review. Mark Ficken Lincoln describes financing options across a range of credit situations, but approval is not guaranteed. Your income, employment, credit history, existing obligations, and vehicle choice can affect the decision. Contact the team to discuss what information to prepare.
What documents should I bring when financing a Lincoln?
A valid driver's license and proof of insurance, income, residence, and phone number are typically needed. Additional documentation may be requested depending on your application. Confirm what forms of proof are acceptable before your appointment, especially if your address or employment recently changed. Review the Finance Center's preparation information.
How can I compare financing payments on a Lincoln Aviator and Nautilus?
Request estimates for specific vehicles using the same down payment and loan term. Compare the interest rate, amount financed, monthly payment, and total cost over the loan. Include taxes and fees in the comparison. A lower monthly payment alone does not mean a lower overall cost, particularly when one estimate uses a longer repayment period. Browse the new Lincoln inventory to identify the specific trims you want to compare.
Can I finance a used Lincoln or a vehicle from another brand?
Mark Ficken Lincoln offers financing for new and pre-owned vehicles, and its used inventory includes makes beyond Lincoln. Financing eligibility and terms depend on the vehicle selected and lender approval. When comparing a used Lincoln with another vehicle, request an individual financing estimate for each rather than assuming the same rate or loan length applies. Explore the dealership's vehicle selection.
Where can I find Lincoln financing offers, rebates, and incentives?
Manufacturer and dealership incentives change regularly and vary by model. Ask the finance team which current offers you may qualify for, and review the vehicle details, expiration date, required qualifications, and any amount due upfront before including an offer in your budget.
Should I finance or lease a Lincoln Navigator if I drive a lot or plan to keep it long-term?
Financing is often worth considering if you expect high mileage or want long-term ownership of the vehicle. A lease includes mileage and vehicle-condition requirements that can add costs if you exceed them. Compare the full costs and contract terms for the Navigator you want. Ask the finance team which purchase and lease options are available for that vehicle.
Can Mark Ficken Lincoln help me finance a Lincoln Corsair for a family member or as a gift?
Financing structures for a vehicle intended for someone else, such as a co-signed or gifted purchase, depend on lender requirements and the buyer's qualifications. Contact the dealership to explain the situation before applying, so the finance team can confirm what documentation and structure would apply.
Can I finance the Lincoln I'm leasing instead of returning it?
First, check whether your lease agreement allows a purchase and request the current purchase amount from your leasing company. Then ask Mark Ficken Lincoln whether financing is available for your buyout, subject to approval. Eligibility and costs depend on your agreement and lender. Review the dealership's Lincoln lease-end options before deciding.

Have additional questions? Contact our finance team today and we'll help you drive away in your next Lincoln.

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