Financing with Our Dealership

Ray Pearman Lincoln takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.

We Make it Easy!

Competitive Rates

No Hassle Credit Checks

Flexible Payments

Should You Lease Your New Ray Pearman Lincoln Vehicle?

Leasing is a great choice for shoppers who like to drive a new vehicle and want to keep their payments low. Once your lease term is up, you can trade up for a newer model, buy it outright, or simply return it and walk away when the lease it over.

Benefits of Financing

Customers who intend to hold onto their vehicle for a while should consider a loan. Our flexible financing plans can get you into a new or used vehicle with terms that will reduce your overall costs while you build equity in your vehicle.

Flexible Credit Options

Ray Pearman Lincoln can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.

Frequently 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.

Welcome to Our Finance Center

Between finding your perfect model of Quiet Luxury and driving it all the way home stands our Finance Center. Staffed with trained Financial experts, our Finance Center is here to help you find the best possible lease or finance deal for you and your budget, as well as give you the best possible value for your trade-in. We're just as dedicated as you are to see you drive off in that new or pre-owned Lincoln with a smile on your face.

Like every other aspect of our dealership, we want you time with our Finance Center to be as easy and relaxing as possible. To achieve this goal, we make sure your experience can begin here on our website. Please feel free to complete and submit your finance application right here on our website on your own time, at home, where all of that information is, instead of having to take time out of your busy schedule to bring all of it to our dealership. While you're at it, you can also value your trade online as well, so when you do step on our lot, the perfect deal will be ready for you.

Come Visit Our Lincoln Dealership Today

Whether you're looking to lease a new Lincoln Continental or purchase a pre-owned Lincoln Navigator, our Finance Center will help you find the best leasing or financing deal for you, your budget and your lifestyle. So, stop waiting, submit your finance application, and close the deal on your perfect Lincoln vehicle today! We proudly serve the drivers of Huntsville, as well as the drivers of Athens, AL; Decatur, AL; and Madison, AL.


Your privacy is important to us.

Ray Pearman Lincoln takes your privacy seriously and does not rent or sell your personal information to third parties without your consent. Read our privacy policy.

  1. Ray Pearman Lincoln

    2501 Bob Wallace Ave SW
    Huntsville, AL 35805

    • Sales: (256) 536-7451
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Get in Touch

  • Contact our Sales Department at: (256) 536-7451
  • Monday9am-7pm
  • Tuesday9am-7pm
  • Wednesday9am-7pm
  • Thursday9am-7pm
  • Friday9am-6pm
  • Saturday9am-6pm
  • SundayClosed