Financing Benefits

Financing Your Vehicle is Easy at State College Ford Lincoln

At State College Ford Lincoln, we welcome you to check out all that we have to offer up within our finance department. When it comes to buying a vehicle, one of the most daunting parts of the process can be the financial discussion. We are here to alleviate your fear, as we provide you with an incredible experience that works to be stress-free and enjoyable. With so many excellent resources and options, you will find that choosing us time and time again just makes sense! Get to know us in the details below, and then reach out today with questions.

Helpful Financial Experts

At our dealership, we have so many helpful financial experts that you can rely on. With our assistance, you will have no trouble at all falling head over heels in love with the right model. We know the ins and outs of every vehicle that you may be interested in, and we can help you to nail down the right one. We also offer plenty of exciting incentives and specials to make our prices even more competitive.

Online Pre-Approval Form

Another reason to work with us, is because of how easy we make the financing process. With our help, you can easily get pre-approved for the vehicle that you love. Our online pre-approval form is a great place to start the buying process, and it is painfully easy to get through! Our form requires very little information, and can then be sent to our experts who will reach out with the next steps.

At State College Ford Lincoln, we welcome our amazing customers to reach out to us with any questions, or to give us a call to find out more about our incredible offerings.

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 (814) 238-5046 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.


  • Monday 9:00AM - 8:00PM
  • Tuesday 9:00AM - 8:00PM
  • Wednesday 9:00AM - 6:00PM
  • Thursday 9:00AM - 8:00PM
  • Friday 9:00AM - 6:00PM
  • Saturday 9:00AM - 5:00PM
  • Sunday Closed