When you find the car you want to drive around Hardeeville, Beaufort, and Hilton Head, the finance center team at our Port Royal, SC, area Lincoln dealership can help you drive it home. We do that by helping you secure the financing you need to take the wheel.

Savannah, GA, area drivers can get started today by completing our finance application right here on our website. Once you do, the team at O.C. Welch Lincoln will be in touch.

Our Lincoln Finance Center

Whether you have your eye on a Lincoln Nautilus, Lincoln Aviator, or one of the many other vehicles here on our lot, our finance center team can help you make it yours. We work with local drivers every day, so we have the experience to help you, no matter what your needs are.

We'll start by building your loan or lease from the ground up. A member of our team will work with you one-on-one to help you decide what kind of down payment and loan terms will give you the monthly payments that fit your spending plan.

Your dedicated auto finance expert can also let you know if you qualify for any deals, incentives, or special financing programs, like our First Responder Appreciation program. We'll also apply the trade-in value of your current car to your next loan, so you can buy and sell in a single, convenient transaction.

Are you ready to go? Complete our finance application right here on our website to see if you're pre-approved.

What to Bring to the Finance Center

When you're ready to finance the car you love, we can help you make this part of the process as efficient as possible, so you can get out on the road in your new set of wheels. Start by filling out our finance application online before visiting the dealership. This will ensure that we already have the information we need to get your loan rolling.

Then, collect a few documents and bring them with you to the dealership. The documents you'll need are:

  • A recent bank statement
  • Proof of employment
  • Proof of identity
  • Proof of auto insurance

Having this information ready to go will help us in our talks with our network of lenders, so we can help you secure the loan you want.

Buying vs Leasing a Lincoln

At our finance center, we're often asked whether buying or leasing is the better option. In truth, they both result in you taking the wheel of a car you love. The only difference is your specific situation, needs, and wants. Our finance center team will be able to talk this over with you to determine which is right for you.

In short, leasing is a temporary arrangement during which the dealership maintains ownership of the vehicle. So, it generally results in a lower monthly payment than buying does, and also allows you to drive a new car more often than you might have if you bought it instead.

Buying a car, on the other hand, results in ownership, so every payment you make builds equity in your vehicle. Buying a car may also give you more freedom in how many miles you drive per year and how you personalize your vehicle.

Again, your dedicated auto finance expert can talk these options through with you at our dealership.

Finance a Car Today

Are you ready to finance your next car in the Hardeeville, South Carolina, or Savannah, Georgia, areas? The team at O.C. Welch Lincoln has the experience and tools to make it happen. Drivers near Beaufort, Port Royal, and Hilton Head, South Carolina, can contact us to start the automotive financing process today!

Financing Benefits

Financing created for Lincoln,
and crafted for you

The Lincoln Motor Company and Lincoln Automotive Financial Services share the same client-centric mindset. We focus on providing financial options as individual as our drivers. And we offer programs and tools like our Account Manager, designed with a true respect for your schedule and unique preferences. We also provide you with unparalleled access to exclusive offers and incentives on new Lincoln vehicles.

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 (800) 704-3460 and we'd be happy to walk you through your options. At Lincoln Group, your satisfaction is our priority.