Finance Center

Lincoln Auto Loans in Phoenix, AZ

Welcome to Camelback Lincoln. Our entire team is eager to help you drive off in a new Lincoln soon. Regardless of which of our models of SUVs or cars that you have your eye on, we understand the need to line up affordable financing for it as part of the buying process. Our financing team is available to help you accomplish this goal. We are willing to work with all Lincoln buyers regardless of your credit score. Through the assistance of our financing department representatives, you may receive excellent loan terms that make Lincoln ownership affordable for you.

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Is Financing a Car a Good Idea?

Some of our customers who are interested in buying a new Lincoln SUV or car are not sure that financing is the way to go. For example, you may be thinking about saving up money for a few years to make an all-cash purchase. Perhaps you are thinking about leasing a Lincoln rather than taking out a new loan against the vehicle. There are some excellent benefits associated with financing a new car rather than using an alternative, and a closer look may reveal why this is a smart solution for you.

One of the great things about a car loan is that you eventually can pay the loan off, and by doing so, you will be able to drive your vehicle for several years or longer without the need to make monthly payments. If you plan to drive your car for many years, a loan could result in financial savings in this way. With the alternative of an auto lease, you must surrender the vehicle at the end of the lease and begin the process again. Keep in mind that when the loan is in place, you can make regular payments, and this could help you to improve a lower credit score or maintain an already excellent credit score.

You may be thinking about leasing a Lincoln, but there are advantages associated with taking out a loan instead. For example, with a loan, you will not have mileage restrictions that are associated with a lease. Also, a loan typically has fewer fees than a lease. Many lenders allow you to choose a down payment amount that is comfortable for you when you take out a loan. On the other hand, the upfront and end-of-lease fees for a lease are usually established by your lessor. If you exceed your allocated mileage restriction, you will have another fee to pay at the end of the lease.

Is There a Minimum Credit Score to Finance a Car?

If you have a lower credit score, you may not think that an auto loan is a realistic option for you. After all, you may be aware that many lenders require you to have a good credit score to qualify. While this is true, some lenders are willing to consider lower credit scores. The minimum credit score permitted varies from lender to lender. With this in mind, the smart idea is to reach out to our financing team to begin exploring loan options that may be a good fit for you. Our financing department is committed to working hard to set up the right loan for you regardless of your credit scores. Visit our local dealership on today for more information!

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Camelback Lincoln

1400 E. Camelback Road
Directions Phoenix, AZ 85014

  • Sales: 844-868-3128


  • Monday 7:00 am - 9:00 pm
  • Tuesday 7:00 am - 9:00 pm
  • Wednesday 7:00 am - 9:00 pm
  • Thursday 7:00 am - 9:00 pm
  • Friday 7:00 am - 9:00 pm
  • Saturday 7:00 am - 6:00 pm
  • Sunday 10:00 am - 8:00 pm
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