Financing Benefits

Lincoln Finance Center Near Lubbock

Gene Messer Lincoln offers pre-owned car loans, new Lincoln finance, and Lincoln lease options in the Lubbock area. For all of your car-buying requirements, our team is ready to help! We will work hard to help you drive off to Hobbs in a new Lincoln or a pre-owned vehicle that suits your budget and your lifestyle. Call or apply online for more details.

Apply for Lincoln Finance in Lubbock

Gene Messer Lincoln makes it easy to apply and get approved for Lincoln finance in Lubbock. Browse our inventory online to select the vehicle you’ve been eyeing — whether that’s a new Lincoln or a pre-owned car, truck, or SUV, we have the selection to match. Get started on Lincoln finance with our secure online application or visit us in person near Clovis today.



At Gene Messer Lincoln, we offer competitive Lincoln finance rates and terms on our great selection of new and pre-owned cars, trucks, and SUVs. Plus, we provide rotating new Lincoln specials to help you lock in an even smarter price on your next vehicle.


Our finance experts are here to guide you through the financing process and help you get into your new vehicle. Contact Gene Messer Lincoln today or if you’re ready to start the process now, you can fill out our secure finance application online.

Consider a Lincoln Lease

If you pursue Lincoln finance in Lubbock, then you likely have the goal to own your vehicle in the future once it’s paid off. However, some Midland drivers want less commitment when they bring home a new vehicle, and that’s where a Lincoln lease can be a great option.


When you lease a Lincoln, you get to enjoy all of the new-vehicle features and performance for the length of your lease term — typically 2 to 3 years — then you simply turn in the lease at our dealership when the contract ends. At that point, you can start another Lincoln lease in a newer model or explore flexible options like buying out the lease or extending it.

Get Started with Us Today

Do you know whether you want to pursue a Lincoln lease or finance plan? Or, could you use some additional help making a smart choice? No matter where you are in your car-buying journey, Gene Messer Lincoln is ready to step in and help you get to the finish line. We make it our number one priority to send you off in the right vehicle for the right price.


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 (806) 793-2727 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.