Certified Pre-Owned Lincoln Lineup Gets Zero Percent APR Deal

May 9, 2022 10:36 am

Finding a deal on new vehicles – including refreshed models like the 2022 Lincoln Navigator – is pretty difficult these days as inventory remains low thanks to various supply chain issues. However, there are some offers to be had on certified pre-owned Blue Oval models, which are eligible for 84-month financing as sales continue to rise. Now, certified pre-owned Lincoln vehicles are getting a zero percent APR deal as well, according to a dealer bulletin recently seen by Cars Direct, meaning that buyers can score a deal on solid used cars like the 2019 Lincoln MZK, which was the highest-ranked premium mid-size car in J.D. Power’s 2022 U.S. Dependability Study.

The zero-percent deal on certified pre-owned Lincoln models is a truly notable and possibly attractive offer given the fact that the Federal Reserve continues to raise interest rates following years of keeping them surpassed, making the act of borrowing money more expensive. However, there are some exceptions to this particular offer, as one might imagine. Zero percent financing is limited to 36-month loans, while rates rise along with the term – to 1.99 percent for 48-month loans, 3.49 percent for 60-month loans, 3.99 percent for 72 months, and 4.99 percent for 84 months.

From there, the interest rate deal only applies to 2019-2022 certified pre-owned Lincoln vehicles, although 2017-2018 models also qualify for similar rates, though no 84-month term is available for those pre-2019 models. These deals are good now until June 5^th, 2022, giving Memorial Day car shoppers plenty of time to score a deal on a used Lincoln.

These days, zero-percent APR deals are rare on used vehicles, and that fact alone – coupled with rising rates – makes this CPO offer pretty attractive when compared to new vehicle financing rates. Currently, Lincoln is offering 1.9 percent financing on 2022 Aviator models with 36-month financing and 5.9 percent for 72 months, by comparison.

We’ll have more on Lincoln soon, so be sure to subscribe to Ford Authority for more Lincoln news and continuous Ford news coverage.

By Brett Foote

Brett's lost track of all the Fords he's owned over the years and how much he's spent modifying them, but his current money pits include an S550 Mustang and 13th gen F-150.