Financing Benefits

Financing created for Lincoln,
and crafted for you

For all your nearby Lincoln financing needs, visit Jim Burke Lincoln. The auto finance specialists at our Lincoln dealership near Bakersfield, CA, are here to make your car-buying experience simple and stress-free. Whether you'd like to learn the differences between buying vs. leasing a Lincoln or you already know which Lincoln SUV you'd like to take home, our experts are standing by to answer all your questions. No matter if you'd like to make a used car or new Lincoln Navigator your next vehicle, you can turn to us with confidence.

Be sure to explore our current Lincoln incentives in Bakersfield, CA, to claim an amazing price on the new Lincoln model of your dreams. Or, if you're more interested in a used or Certified Pre-Owned Lincoln for sale, our Lincoln finance professionals will walk you through the entire auto financing process. Stop by today to start a new Lincoln lease or to buy the pre-owned Lincoln SUV you've had your eye on!


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 661-835-6113 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.

At Jim Burke Lincoln in Bakersfield, California, our commitment goes beyond providing exceptional vehicles. We want all our customers to have a memorable experience at our dealership and finance center. We understand that finding the right vehicle isn't just about the exact make and model. It's about affordability, peace of mind, and driving away with a smile. Our dedicated finance team love creating deals that result in affordable monthly payments and make the buying process stress free. 

We guide our customers through each step, helping them explore various options, find the best incentives, and structure deals that align with their budget and preferences. Whether it's flexible financing, competitive rates, or comprehensive lease options, we'll work tirelessly to ensure buyers can have low payments and drive away happy and satisfied.

Pre-Approval and Instant Approval

At Jim Burke Lincoln, we know that our customers' time is valuable. That's why our finance center offers the convenience of getting pre-approved for vehicle financing before even setting foot in our dealership. We designed our online application process with convenience in mind so that our customers can complete the application from the comfort of their own homes. All that's needed is some basic information and we handle the rest. Our finance experts will review each submission, assess the applicant's eligibility, and provide them with pre-approval status in no time. 

This preemptive step speeds up the purchasing process and gives customers a clear understanding of their buying power. For those who prefer an immediate decision, our on-the-spot approval service ensures that they can drive away with confidence, knowing their financing is sorted. There are no delays and no uncertainties. All a buyer needs to do is visit our dealership, choose their desired vehicle with confidence, and within minutes, they can receive approval for their car loan. Here's why pre-approval and instant approval matters when buying a new car: 

  • Empowers the buyer: Customers can gain a clear understanding of their loan eligibility and buying power before browsing our extensive inventory. 
  • Saves time: Buyers can focus on selecting the right vehicle without delays if they know their pre-approved or instantly approved status. 
  • Gives confidence: Buyers can walk into our dealership with confidence, knowing their financing is secured and we're ready to facilitate their purchase.

Personalized Financial Guidance

Navigating the complexities of vehicle financing can be daunting. It can be tricky to know what the best rates, terms, and options are, and the jargon can be confusing, especially for a first-time buyer. At Jim Burke Lincoln, we understand the stress this can cause and firmly believe that knowledge is power. Our team of financial experts is here to alleviate any concerns and provide personalized guidance.

We take the time to ensure buyers have a complete understanding of all their financial options. Whether it's about the loan terms, interest rates, or understanding the differences between financing and lease options, we're dedicated to providing clear and comprehensive explanations. We ensure that our customers are empowered to make informed decisions that suit their financial situation. 

Tailored Solutions to Suit Our Customers' Needs

No two customers are the same. Neither are our financial solutions. Our finance experts don't believe in a one-size-fits-all approach. We recognize this diversity, and we're committed to tailoring solutions that match each individual's unique requirements. We listen carefully to buyers' concerns, goals, and potential constraints and then craft tailored solutions that cater to their specific circumstances. From exploring different financing options to accommodating specific budget constraints, our goal is to build a plan that aligns perfectly with each buyer's needs and preferences.

Reliable Hands-On Expertise

We understand that buyers may have plenty of burning financing questions at any time. Even before they visit our dealership, our finance center is readily available to help with any questions or concerns, such as a sudden query about interest rates or the implications of a specific financing option. For anyone contemplating a purchase and needing expert advice, our dedicated team of financial experts is on standby and just a call or email away.

Our finance center serves as a go-to resource for financial advice, ensuring that customers can make a confident and well-informed decision. After all, buying a vehicle isn't just a transaction. It's a significant financial decision and investment for life. We understand the weight of this decision and the importance of having a reliable partner to offer guidance. Our finance center is here to provide this and offer support and expertise throughout each customer's financial journey - ensuring that they're equipped to make decisions that align with their goals and aspirations.

Easy-To-Use Credit Estimator

An individual's credit score plays a key role in securing favorable loan terms and saving money on a vehicle purchase. It's the one factor that provides access to better interest rates, loan terms, and ultimately, substantial savings. At Jim Burke Lincoln, we understand the importance of this financial metric. That's why we offer a convenient and efficient tool - our credit estimator.

Using our credit estimator is as easy as a few clicks. Entering a few basic details provides an approximate credit score in no time. This valuable information equips a buyer with a better understanding of where they stand financially before beginning their car-buying journey. Whether they're exploring financing options, negotiating terms, or considering their budget, knowing their credit score helps them seek the best possible loan terms. 

Visit Jim Burke Lincoln

At Jim Burke Lincoln, our finance experts focus on building trust, offering guidance, and making your vehicle dreams a reality. By offering pre-approval, on-the-spot approval, and unwavering support for all your financing needs and questions, we aim to provide a hassle-free and customer-centric experience throughout. Even before you walk through the doors of our dealership in Bakersfield, California, our finance center stands ready to assist, guide, and empower you on your journey toward owning a great vehicle and grabbing an exceptional deal. Have any financing questions? Give us a call today