CLIENT SUPPORT

LINCOLN AUTOMOTIVE FINANCIAL SERVICES

 

You can find answers to all of your Lincoln Automotive Financial Services and Leasing questions here. If you have a specific question, simply navigate to the category it falls under. If you can’t find what you’re looking for or require further assistance, we provide support by phone, email, or mail.

CONTACT US SECURE EMAIL FORM

 

EXPLORE OUR FAQS

ONLINE ACCOUNT

  • A billing statement is generated approximately 17-20 days prior to your payment due date. It details your current amount due, payment due date, and payments / charges since your last month's statement.

     

    You may elect to have your statement mailed to the account address or delivered online. For paperless statements, register to view your account online through Account Manager and then select Paperless Statements from the "Profile" tab. All customers have the ability to print their invoice online.

     

    You may also review prior billing statements within Account Manager by selecting the "Account History" tab and selecting a payment invoice date.

     

    Please note, only the primary buyer's name is displayed on the billing statements.

  • Account Manager allows you to update your personal information online. By selecting the "Profile" tab at the top menu bar, you may update your password, physical address, email address, and phone numbers. Please note that certain restrictions apply, such as updating your physical address only once every 30 days.

     

    Other account updates (i.e. alternate mailing address) may be made by contacting Customer Service.

  • You may review current and prior billing statements within Account Manager by selecting the "Account History" tab and selecting a payment invoice date. Upon viewing the selected billing statement, you may choose the print option at the top of the page.

  • The Calendar will reflect your current due date and available payment dates for your account.

     

    Note: If you have had a prior due date change, all dates may not be available.

  • Account Manager allows you to update your personal information online. By selecting the 'Profile' tab at the top menu bar, you may update your mailing address, email address, and phone numbers.

     

    Please note that certain restrictions apply, such as updating your physical mailing address only once every 30 days. If you need additional assistance, please contact us.

  • Account Manager allows you to view and update your account information online.

     

    Once enrolled, you may visit the Overview page to view a summary of your account, including last payment received, current amount due, contract term and account balance. You will also have access to view the following:

     

    • Your payment history
    • Prior billing statements
    • Payment options

     

  • "Current term" may vary from original term if; 1) any payments have been extended, and/or 2) the account was rescheduled.

     

    Please feel free to visit the "Account History" section of Account Manager to review the most recent payment history. You can also request a detailed payment history once every 30 days.

  • In order to successfully complete an online extension/due date change, the extension agreement must be reviewed and the "Accept and Sign" section completed online within 5 days of the request.

     

    In applicable provinces*, if there is more than one party on the contract, both parties must accept the terms of the agreement and complete the "Accept and Sign" section before the extension/due date change can be processed. (*All parties required to sign will be displayed as applicable).

     

    Note: If this process is not completed within the 5 days allotted, the request will be cancelled and removed from your account.

  • If you are unable to complete an extension/due date change online, or the requested terms do not meet your needs, please contact Customer Service.

  • Accounts are eligible for online access up to 60 days after the balance has been satisfied in full. Please note, if the account is in bankruptcy status or has had multiple returned payments, you may not be eligible for online access. If your account is eligible and you are currently experiencing difficulty, please contact Customer Service with the following information:

     

    1. The web-site (URL) of the page displayed after entering your Username and Password
    2. A brief description of the information presented on the page displayed
    3. The exact information being entered and text of any error or pop-up message displayed. Note: Please do not include your password
       

    With this information, we can likely discover why you are experiencing difficulty and provide additional assistance.

  • Reducing your payment on a retail account may be possible. This option, known as a "Rewrite", allows you to extend the term of your contract. For information regarding rewrite qualifications, please contact Customer Service.

     

  • Your payment is considered late if not received by the payment due date. If you need to make payment arrangements or discuss alternative options that may be available, please contact Customer Service.

  • To change your name from that listed on the original contract, please contact Customer Service.

  • Prior payment transactions can be viewed online within Account Manager. Select the "Account History" tab at the top menu bar to review payment transactions. If a full payment history is desired, select "Order full payment history" at the bottom of the Account History page. Please note, a full payment history (statement of account) can be ordered online once every 30 days.

     

  • Past invoices may be viewed online within Account Manager. Select the "Account History" tab at the top menu bar to view your invoices.

     

    You can select a specific invoice date from the "Statement" dropdown menu. In addition, you may print the statement by clicking the printer icon on the "Account History" page.

  • Account Manager allows you to view your balance and payoff information online (for retail accounts only). Once logged in, you can view the balance on the "Overview" page.

    Payoffs for personal/commercial use payments are to be mailed to the following address:

    Lincoln Automotive Financial Services
    P.O. Box 4311 STN Agincourt
    Scarborough, ON M1S 5V2

    For additional assistance with payoff or current balance information or balance information on Lease accounts, please contact Customer Service.

     

  • The payment mailing address, along with your account number, can be found on your invoice, as well as the "Payment Options" screen within Account Manager. A copy of your invoice may also be available for viewing within Account Manager.

    For further assistance in obtaining the payment mailing address, please contact Customer Service.

     

  • The following payment options are available for your convenience:

    • Internet and Phone Pay - Contact your financial institution for instructions on how to enroll and set up online payments. You will need to provide your 8-digit Lincoln AFS account number
    • Autodebit - available during contract signing or at any time during the contract, please contact Customer Service
    • Western Union - fees will apply
    • Combined Billing - free service for multiple account holders (certain restrictions apply)
    • Mail

    For more information on the above payment options, please visit the Payment Options page on our website.

  • You are able to view recent payment activity online within Account Manager. Please note: Payments are posted at the close of business on the day they are received and can be viewed online the following business day.

    If your account is current and no late fees or other charges are due, any additional amounts received will first satisfy any accrued interest. Any remaining amounts will directly reduce your outstanding principal balance and reduce your overall interest charges. We will also advance your due date which causes your invoice to show no payment is due or less than the full payment is due. However, you can continue to make your regularly scheduled payment(s), which will further reduce your principal balance and overall interest charges.

  • Customers can pay off their retail contract at any time with no prepayment penalty. This information is provided on the retail contract.

    Lump sums or additional payments can also be made at any time without a prepayment penalty. Please contact customer service if you are planning to make a lump sum or additional payment, this will ensure that the additional amount is applied as you intended.

  • You have the ability to go paperless or receive special offers from our Company at any time. Simply go to the "Profile" tab within Account Manager to select your preferences.

     

    Please note, your billing statements are available online within Account Manager.

  • Forms and documents specific to your account (i.e. copy of contract, payoff letter, etc.) may be requested by contacting Customer Service.

     

    General forms and documents can be found on our website or by selecting various phone menu options when calling Customer Service.

  • We are unable to accept or send email attachments. We regret any inconvenience this may cause.

     

    Please follow these steps to send a copy of the document to us electronically through Account Manager:

     

    1. Login to Account Manager
    2. Select "History " from the "Services" tab
    3. Select Documents
    4. Scroll down to the "Upload a document" section
    5. Select what type of document you are uploading from the drop down menu. If not listed, select "Other"
    6. Click "Browse" and select file to upload. Acceptable file types include jpeg, jpg, png, gif and pdf
    7. Click "Upload". Once the upload has been completed, you will be able to preview the document, if desired
    8. Click "Submit"
    9. A confirmation message will display. Click "Close" to return to the previous screen
       

    NOTE: Please use this option only to send files we have requested to be returned for processing.

  • A payment extension is a service provided to our customers to assist them in resolving a temporary financial burden. Prior to granting a payment extension, a review of the account is performed.

    To request a payment extension, please contact Customer Service.

     

    Note: Customers may be eligible to request and process an extension online. Please visit the Services tab within our Account Manager site to determine if your account is eligible.

     

  • If you are interested in trading in your vehicle, please contact your local Lincoln dealership.

  • A customer may be able transfer their retail or lease contract. A Transfer of Equity/Lease may allow the original customer to transfer the ownership, equity, and responsibility for their vehicle to a new customer, who agrees to pay the remaining payments of the contract.

    For additional information on transfer of ownership, please contact Customer Service.

  • We understand there may be times during the term of your contract when you may be unable to make a payment by your due date. When this happens, we encourage you to contact Customer Service so we can help you resolve the issue and possibly avoid late charges.

  • The Username must contain 6-20 characters, may not be all numbers and may not have any spaces or special characters. If someone has already chosen the Username selected, the system will prompt you to select another Username.

    The Password must have 6-10 characters, contain both letters and numbers and no spaces or special characters. Your Password cannot be the same as your Username. Once logged in to Account Manager, you have the ability to change/reset your Password on the Profile page.
     

    If you have forgotten your Username or Password, you can select the "Forgot username or password" link at the top right of the Login Page.

APPLY FOR CREDIT

  • Applying online is convenient, secure and when you apply online, you will receive a response right away.
     

    Once you have received our response, you are welcome to contact your dealer in order to discover your financing options for a specific vehicle.
     

    To access the Online Credit Application, please visit https://www.lincolncanada.com/finance/online-credit-application

    For businesses, please contact your local Lincoln dealer.

  • Your application number is located in your confirmation and decision emails. Once you have your application number you may retrieve your credit decision here.

  • The online credit application decision is valid for 30 days.

  • Currently, we are not accepting applications over the phone. You may apply online at www.LincolnAFS.ca or on a dealership website. You may also apply for credit at your Lincoln dealer.

  • If you specified a dealer during the application process, that dealer will be able to view your credit decision. If you did not select a dealer, the dealer will not have access to your application and contact with the dealer will be at your own discretion.

  • We appreciate your continued loyalty to Lincoln AFS.
     

    In order to continue working with Lincoln AFS, we will need you to complete an application for credit. You can do so online at www.LincolnAFS.ca or you may also contact your local dealer for assistance.

  • If you applied for credit at a dealership, you must contact that dealership in order to obtain the status of your application.

  • If you closed your browser before your application number was provided, you will need to look for your email confirmation in your email provided on the Online Credit Application.

  • The interest rate is negotiated between you and the dealer. Contract negotiations are completed at the dealership prior to signing a Finance or Lease contract. Please consult the Financial Services Manager at the participating dealership of your choice.

  • After you submit an online credit application, you will immediately receive a confirmation e-mail stating that your application has been successfully submitted. In most cases, credit decisions are made within an hour . Once your decision is ready, you will be notified by email. Please print the credit decision and present it at your originally selected dealer. You may be required to provide additional information to complete your transaction.

  • If you specified a dealer during the application process, that dealer will be able to view your credit decision. If you did not select a dealer, ask the dealer of your choice to contact Lincoln AFS to transfer your online credit application to the dealer of your choice. You will need to provide your application number and your date of birth to have the application transferred.

     

  • In order to explain certain aspects of your credit history, please call the Financial Services Manager at your dealer of choice. The Financial Services Manager will be able to answer any questions you may have. Please reference your Online Application number listed on your decision.

  • Simply click on the "Joint" button in the Application Type section of the online credit application form. This will expand the form to allow you to enter your co-applicant's information. Complete all information before submitting the credit application.

  • Yes, Lincoln Automotive Financial Services' customer information and websites operates in a secure environment. Information that you send to Lincoln Automotive Financial Services is encrypted before you send your request. Lincoln AFS provides enhanced security by using cookies to verify your online decision. Cookies pose no hazard to your computer but as a result of this enhancement you will only be able to have one session of the Lincoln AFS site open at a single time.

  • We are unable to change the dealer selected on your application. If you would like to select a different dealer, you will need to re-apply selecting the new dealer. When you submit your application, you consent to Lincoln AFS disclosing your application and the results of Lincoln AFS' credit decision with the dealer you originally selected. You may also apply at the new dealer of your choice.

  • Certain modifications may be made without submitting another credit application however significant changes to your contract characteristics may require a credit application reassessment. If you wish to alter the information provided on the application, please consult the Financial Services Manager at the dealer of your choice.

  • Certain modifications may be made without submitting another credit application however significant changes to your contract characteristics may require a credit application reassessment. If you wish to alter the information provided on the application, please consult the Financial Services Manager at the dealer of your choice.

  • To retrieve your credit decision, please visit www.LincolnAFS.ca and select "Retrieve Your Credit Decision" in the "To Apply for Credit" section.
     

    If you are applying between normal business hours (Monday to Thursday, 8 AM to 10 PM EST, Friday, 8 AM to 8 PM EST, Saturday, 9 AM to 8 PM EST) you should receive the decision within an hour. It may take a little longer during peak hours.
     

    If you are applying outside normal business hours, you should receive our credit decision by the next business day.
     

    You will be notified by email when your decision is ready.

  • Your Lincoln dealership is in the best position to provide you with an exact trade-in-value of your vehicle. In addition, you can obtain an estimate for your trade-in vehicle from various online resources.

  • If additional information is needed to make a credit decision, your dealer of choice may assist you.

  • If you are approved for credit you may qualify for a special APR at the time of purchase. You may visit the Financial Services Manager at the dealership of your choice to learn if you qualify for a special APR that is currently being offered.

  • Yes, Lincoln Automotive Financial Services' customer information and websites operates in a secure environment. Information that you send to Lincoln Automotive Financial Services is encrypted before you send your request. Lincoln AFS provides enhanced security by using cookies to verify your online decision. Cookies pose no hazard to your computer but as a result of this enhancement you will only be able to have one session of the Lincoln AFS site open at a single time.

  • If your credit application is approved, your retail or lease rate will be negotiated between you and the Financial Services Manager at the dealership.

  • You will need to provide two pieces of identification (including one picture I.D.), proof of insurance, your online credit decision, and any other item you feel may be needed for proof of identity and income.

  • From Monday to Thursday, 8 AM to 10 PM EST, Friday, 8 AM to 8 PM EST and Saturday, 9 AM to 8 PM EST, you should receive the decision within an hour. It may take a little longer during special promotional events, and during peak hours.
     

    If you are applying outside normal business hours, you should receive our credit decision by the next business day.
     

    An email confirmation will be sent upon completion of the credit application, which will contain your application number and instructions to retrieve the results. You can retrieve your online credit decision by visiting www.LincolnAFS.ca and selecting "Retrieve Your Credit Decision" in the "To Apply for Credit" section. You will be asked to provide your application number and your birth date.

     

  • For information regarding your personal credit information, please contact the credit bureau reporting agencies TransUnion or Equifax.
     

    In order to explain certain aspects of your credit history, contact the Financial Services Manager at your dealer of choice. Please reference your Online Credit Application number listed on your decision.

  • If we were unable to approve your application for financing on the terms originally requested, a letter of explanation will be forthcoming.

  • Significant changes to your contract characteristics may require a credit application reassessment. You may contact your dealership of choice for assistance.

  • The interest rate is negotiated between you and the dealer. Contract negotiations are completed at the dealership prior to signing the retail or lease contract. Please consult the Financial Services Manager at the participating dealership of your choice.

  • Your Online Credit Application is valid for 30 days. Please discuss final delivery dates with your dealership.

  • The credit decision will be based upon the information provided in your credit application, your credit bureau report, and the specific contract characteristics.
     

    Credit worthiness includes: ability to pay your contract obligation, employment and residence stability, and your credit history. Contract characteristics are the terms/structure of your debt obligation and include amount financed, down payment, payment, term, trade-in, etc.

  • You may be asked to provide a copy of your paystub, utility bill, or any other information. In some instances, your dealer may be able to assist with the clarification of the information that was entered on your credit application.

  • If you have completed an online credit application, it is not necessary for you to complete another application at the dealership. You should print your credit decision and take it to the dealership.

  • Payment history is reported based on the customer's actual credit experience. Detailed account history is reported for both the buyer and co-buyer on a regular basis, to the major credit bureau reporting agencies.
     

    If you need a Credit Reference Letter mailed or faxed, please contact Customer Service.

  • If you need a Credit Reference Letter mailed or faxed, please contact Customer Service.

VEHICLE PROTECTION

  • An extended warranty compliments your factory limited warranty, and the coverage is based on the plan selected. A wide range of coverage options are available based on individual needs, and a deductible may apply. For more information on purchasing an extended warranty or coverage, please contact your local dealership.

  • Customers are required to maintain proper insurance coverage throughout the course of the contract, as stated on your retail or lease contract. For further information regarding insurance requirements, please review your contract or consult your automobile insurance agent.

  • Ford product or service issues, please contact your dealership or the Lincoln Client Relationship Centre. Select Customer Care on www.lincolnowner.ca/ownership-service

  • To locate a dealer in your area, please visit the manufacturer's website at: http://www.lincolncanada.com/dealerships/locate/

  • For product recall information, please contact your dealership or the Lincoln Client Relationship Centre. Select Customer Care on www.lincolnowner.ca/ownership-service

  • In the event your vehicle is deemed a total loss, please contact Customer Service with the following information:
     

    1. Your current home address and telephone number
    2. The insurance company's name, address, telephone number and fax number
    3. The insurance agent's name and phone extension
    4. The insurance claim number, deductible and proposed settlement amount (if available)
    5. The salvage lot's name (where the vehicle is located), and telephone number(if applicable)
    6. The date of the incident
    7. The kilometre usage on the vehicle
    8. Police Report

     

FINANCE/LEASE

  • Leasing your next vehicle may allow you to make lower payments compared to alternative financing methods. Leasing has many advantages and benefits, including a variety of kilometre usage options and contract terms to best suit your needs. In addition, at the end of your lease, you may choose from these three options:
     

    • Elect to purchase or lease a new vehicle (after fulfilling your lease-end obligations)
    • Purchase your vehicle for the price stated in the purchase option section in your Lease Agreement, plus applicable taxes, governmental fees and any related charges. Fees such as safety certification and related repair costs may be required as applicable.
    • Return your current leased vehicle
       

    For more information on leasing a vehicle, please contact your dealer or visit the "Lease a Lincoln" section of our website.

  • Excess Wear and Tear on your lease vehicle is wear and tear that is outside the Normal Wear and Tear guidelines, and may result in Excess Wear and Tear charges.
     

    For more information on excess wear and tear, please visit: https://www.lincolncanada.com/finance/wear-and-tear or visit your local dealer. 

  • Kilometre allowance and fees are determined at lease inception. Any kilometres accrued on the leased vehicle that exceed the amount allowed per the contract are assessed a charge. Please review your Lease Agreement for the exact amount of allotted kilometres allowed. This charge is assessed if the vehicle is returned to the dealership at lease-end; however, if you choose to purchase the vehicle at lease-end, you will not be charged for any additional kilometres.

    For more information about kilometre allowance and fees, please contact your originating dealer or contact Customer Service.

  • If you want to transfer your vehicle from one province to another, please contact Customer Service.

  • You have three choices available at the end of your Lease Agreement. These options are:
     

    • Purchase or lease a new vehicle
    • Purchase your vehicle for the price stated in the purchase option section in your Lease Agreement, plus applicable taxes, governmental fees and any related charges* .
    • Return your current lease vehicle to the originating dealer
       

    *For more information about the lease-end process and your lease-end options, please contact your originating dealer or visit the Leasing section of our website.

  • Before your lease ends, you will get a lease-end brochure in the mail with complete details about your three lease-end options:
     

    • Purchase or lease a new vehicle
    • Purchase your leased vehicle
    • Return your leased vehicle
       

    Your brochure will also include details about how to determine if your vehicle has exceeded the kilometre allowance. To learn more about your lease-end options, click here.

  • You and your dealer will determine your due date at the time of lease inception. For due date changes, please contact 855-768-8909 (toll-free) for assistance.

  • Payment in advance is a payment stream in which each lease payment is due at the beginning of each period during the lease. Payment in arrears is a payment stream in which each lease payment is due at the end of each period.

  • A billing invoice is generated approximately 20 days prior to the due date. If you do not receive an invoice within 30 days after leasing your vehicle, please contact 855-768-8909 (toll-free).

  • If you wish to return your vehicle early please consult your dealer for information.

  • A Security Deposit, if collected, is a cash amount paid at contract inception, which is held until the end of the lease term. A Security Deposit may be applied towards any Excess Wear and Tear and/or kilometre charges or any other amount due. Any charges would be deducted before a refund of the Security Deposit is made. For questions regarding the Security Deposit refund, please contact Customer Service.

  • A Transfer of Lease may allow the original customer to transfer responsibility for their vehicle to a new customer who agrees to pay the remaining payments of the contract. For additional information or to request a Transfer of Lease application, please contact Customer Service.

PAYMENT ESTIMATOR

  • There may be a brief period of time when a vehicle is not displayed in the Payment Estimator. Typically, these times are limited and the vehicle will be available once detailed specifications are published. In order to continue using the tool, you can enter a vehicle that is similar in value to the vehicle you are interested in. Your local dealer will be able to modify the information when you select your vehicle.

  • The actual price, payment amount, and rate quoted on the Payment Estimator are for estimation purposes only. The actual price, payment amount, and rate will be negotiated with your dealer of choice. The actual price also may vary due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details.

  • In the event the Payment Estimator is not available, you may obtain payment information from your dealer of choice.

 

CONTACT US

At Lincoln Automotive Financial Services, we’re dedicated to making your financing experience as satisfying as possible. You may choose from a variety of ways to contact us so that we may provide you with the information and answers you need.

email icon SECURE EMAIL FORM

 

PHONE

1-855-768-8909 (toll free)

1-888-767-5996 (TDD for hearing impaired callers)

Lincoln Automotive Financial Services is committed to providing customers with disabilities the same opportunity to access our services.

 

Monday to Thursday, 8 AM to 10 PM EST

Friday, 8 AM to 7pm EST

Saturday, 9 AM to 3 PM EST

 

Please have your account number ready when you call.

 

MAIL

Lincoln Automotive Financial Services

PO Box 2400

Edmonton, AB T4J 5C7

 

This page is for individual Lincoln Automotive Financial Services customers. For Commercial Vehicle Fleets or Leasing, please visit our Commercial Financing page.