Finance Your Next Vehicle At Bill Walsh Lincoln

You will find that the Lincoln family of vehicles includes many great options for life around Ottawa, IL. If you would like to bring one home, our financing team is here to help. We are happy to offer a variety of incentives and payment plans in order to help you fit a new or used Lincoln into your life and budget. Our experts would like to take this opportunity to tell you more about choosing between a loan or a lease.

Financing Benefits

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 financial options as individual as our drivers. And we offer programs and tools like our Account Manager, designed with a true respect for your schedule and unique preferences. We also provide you with unparalleled access to exclusive offers and incentives on new Lincoln vehicles.


We understand you have many choices in the world of financing. So we invite you to discover the many ways Lincoln Automotive Financial Services is in business to enhance your Lincoln experience – and redefine your expectations.

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 8152408274 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

Advantages of Financing Your Purchase

Loans are fairly straightforward. Based on your credit and the price of the vehicle, a down payment and monthly payments are calculated. We do have some room to work with you, and our ultimate goal is to get you the Lincoln of your dreams. Loans have many perks, including:

  • You have no limitations on mileage
  • After making your last payment, the vehicle is yours to do with what you wish
  • You can customize your Lincoln as you see fit

Advantages of a Lease

Some lifestyles are served well by a lease rather than a loan. There are several versatile leasing plans offered here at Bill Walsh Lincoln. Benefits of this option include:

  • Lease payments are typically lower than loan payments
  • You can trade in your vehicle for the latest model every few years
  • You will have the option of purchasing your vehicle after the lease for a lower price

Apply for Credit

Ready to bring home your new Lincoln? You have the option of applying for credit from the comfort of your home, thanks to our user-friendly online application. By applying for credit online, you can start looking at vehicles that you know are in your price range. Whether you are interested in a loan or a lease, our finance experts are here to help. Be sure to reach out to us with any questions you may have.