FINANCE CENTER

Lincoln Finance Center

At Norm Reeves Lincoln, we’re committed to providing drivers in Cerritos, Long Beach, and Buena Park with a memorable and rewarding car-buying experience. We’re here from the moment you walk through our new car inventory until you’re driving off in your new car. But, before leaving with your brand-new car, you’ll go through Lincoln finance to hammer out the deal that’s going to get you on the road!

Our Finance Center

At our Lincoln finance center, we’re here to help you review your auto loan options so you can determine the right one for you, your lifestyle, and your new-car budget. Our financiers will work with you by laying out all your loan options, so you can get a sense of their respective terms and conditions and what you’ll need to do. Once you’ve picked out your plan, our financiers will contact our partnered banks and lenders, and they’ll come back with a detail that works for you and is suitable for your lifestyle.

Helpful Finance Tools

You can actually plan ahead on your finance experience with us at our Lincoln finance center. We’ve got tools that can help you get a sense of your experience. Our payment calculator lets you figure out the monthly payments of your next vehicle by implementing a few factors like the MSRP of the vehicle and your intended down payment.

We also have a finance application that you can fill out ahead of your visit. This form is encrypted, and your information only gets sent to us. Once you fill out and submit the form, our financiers will have everything they need to get the ball rolling. By the time you arrive at our dealership, the paperwork will be ready and your financing experience will be streamlined!

Buying vs Leasing a Lincoln

You’ve got two major options toward getting your new Lincoln: buying or leasing. You can buy the vehicle and go through Lincoln financing to work out a deal. You’ll own the vehicle and you can do whatever you like in terms of taking cross-country road trips or even customizing the style of the vehicle. When you buy it, you can also trade it in or sell it when you decide it’s time for a new car.

Leasing is another available option that’ll get you behind the wheel of your favorite Lincoln. This option essentially has you basically renting the vehicle for a few years. There are mileage limitations, but most maintenance is covered under warranty up to a specific mileage. When you’re ready for the Lincoln lease return, you can simply buy it out of the lease, return the lease, or even lease a new Lincoln with the latest features, technology, and comforts so you can continue your journey on the road.

At Norm Reeves Lincoln, we’re proud to assist drivers all throughout Cerritos, Long Beach, and Buena Park for when it’s time to find the right car and work out the deal that’s going to get them out on the road! Contact us today.

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 (562) 372-6175 and we'd be happy to walk you through your options. At Norm Reeves Lincoln, your satisfaction is our priority.