Lincoln Finance Center near Denver, CO
At Sill-TerHar Motors Lincoln in Broomfield, CO, the specialists in our finance center are dedicated to making the process of financing a new Lincoln or used car easy, transparent and totally stress-free. Whether you need advice on the relative merits of getting a car loan vs. getting a lease or you want to get the best available rates, our Broomfield finance team can make it all refreshingly simple.
We take a friendly, supportive approach and we listen carefully to your needs before making a recommendation. We even provide you with digital purchasing tools so you can handle most of the buying steps from the comfort of your home.
We Make it Easy!
It's easy to buy a car online
An easy way to start the buying process is to use our online credit estimator, which you can find under the Financing & Offers tab on our website. You can get your Equifax® Credit Score quickly and easily. You won't have to provide a Social Security number or even a date of birth and taking this step won't have any impact on your credit score. Another important step is to apply for credit online. In only minutes, you can get pre-approved for financing by submitting our completely secure online financing application.
Lincoln Offers at Our Denver Area Dealership
Our new Lincoln online specials can give you attractive incentives like a large bonus cash-back offer and/or a low APR financing rate on select Lincoln models. These specials can help you drive home in a compact new Lincoln Corsair or a three-row Lincoln Aviator SUV. We also encourage you to contact us about special regional incentives that may be available for purchasing a new Lincoln luxury car.
Is it better to buy or lease a new Lincoln?
There are two different routes to financing your next Lincoln and both have advantages. Financing with a loan is the path most customers choose because it gives you the best long-term financial outcome. Financing with a lease is another option that requires less money out of your pocket, at least in the short term. Here's a comparison of these two different financing strategies to help you decide which one works best for you.
Advantages of financing with a car loan
- Â If you want to build equity in your luxury car, an auto loan is the only way to accomplish that. By getting a loan on your new or pre-owned Lincoln, you're building an ownership stake in the car you drive every day each time you make a monthly payment.
- Monthly payments with a car loan will virtually always be higher than you would pay with a lease, but you're creating cash value in that vehicle. As a result, you're developing a cash-value savings account in your Lincoln that you can use someday to buy another vehicle. That's a much better result than just returning your Lincoln to our dealership as you would at the end of a lease.
- With a Lincoln lease, you'll be subject to a mileage restrictions and limitations on the amount of wear-and-tear that's allowed. But when you buy a Lincoln at our dealership near Denver or Westminster, you can drive as many miles as you want. You won't have to worry about paying for wear-and-tear and you can customize your Lincoln in any way you want with genuine Lincoln parts and accessories.
Advantages of financing with a lease
- Â A Lincoln lease is usually offered only with new Lincoln models and the lease contract can be anywhere from 24 to 48 months. That makes a lease a viable option for Boulder and Thornton drivers who want a new car every few years. Just remember that a lease is like renting so you don't build any cash value.
- When you lease a new Lincoln, you'll virtually always have lower monthly payments than you would if you financed the same vehicle using a car loan. What's more, a Lincoln lease will require a lower down payment than if you purchased your Lincoln with a loan.
- Another advantage of a lease is that it gives you continuous warranty coverage. A Lincoln lease will still be covered by the Lincoln New Vehicle Limited Warranty during the entire term of your lease contract. That means you won't have to pay out-of-pocket expenses for unexpected maintenance on components that are covered by your Lincoln's new vehicle warranty.
Find out more about the advantages of financing at our Denver area dealership
We can not only provide you with additional insight into the advantages of both financing strategies but we can also help you get the best available terms. Count on us at Sill-TerHar Motors Lincoln when you want expert financing help on your next vehicle acquisition.
          ÂFrequently Asked Questions
This important choice comes down to your monthly budget and how you expect to use your vehicle. Leasing typically comes with a lower monthly payment than a traditional loan, but there are restrictions on mileage and customization. On the other hand, a loan may be associated with a higher payment but you will be building equity and will spend less over the life of the vehicle.
We will work with you to craft the deal that works for your budget. Most loan terms will fall between 48-72 months, with longer financing terms resulting in lower payments.
We’ve worked with countless customers with all kinds of credit to help them discover their financing options.
In most cases, we can offer financing with no down payment. We can also roll taxes, registration, and fees into the financing deal if that works best for you.
Ready to begin?
Welcome to Our Financing Department
Welcome to Sill - TerHar Motors Lincoln's Finance Department, your auto loan and car lease resource. We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.
All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. Sill - TerHar Motors Lincoln has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs.
Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!
Your privacy is important to us.
Sill - TerHar Motors Lincoln takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.
-
Sill - TerHar Motors Lincoln
125 Alter Street
Broomfield, CO 80020
- Sales: (303) 469-1801
Loading Map...