Financing Benefits

Financing created for Lincoln,
and crafted for you


The Lincoln finance experts at our Lincoln dealership near Aurora, IL, are here to guide you through the entire car-buying process. Whether you'd like to finance a used car or begin a new Lincoln lease in Illinois, Fair Oaks Lincoln is the place to visit. Our experts will answer all your auto financing questions and can tell you the differences between buying vs. leasing a Lincoln, so that you can make the most ideal decision for your lifestyle, income and budget. 

You can get everything started by applying for Lincoln financing online. Then, feel free to stop by the Fair Oaks Lincoln finance center, where we can assist you with anything else you may need. If you need a car loan in Illinois, we'll make that process simple and transparent. Or, if you'd like to buy a used Lincoln for sale, we'll get you on your way so you can enjoy your new-to-you vehicle in no time. Be sure to explore our new Lincoln specials to claim an incredible Lincoln price!

Fair Oaks Lincoln

Local Auto Finance Center Offering Lincoln Leases and Loans

Serving: Naperville, IL & Aurora, IL

Local Phone: (630) 250-5750

Directions to Fair Oaks Lincoln

2055 W Ogden Ave, Naperville, IL 60540



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 630-793-4322 and we'd be happy to walk you through your options. At Fair Oaks Lincoln, your satisfaction is our priority.