Lincoln Red Carpet Option

The Red Carpet Option (RCO) product is a brand new specialized retail financing product, which enables you to enjoy the most affordable way of driving your new Lincoln vehicle with peace of mind. More importantly, one of the product uniqueness is that it offers you a Guaranteed Minimum Future Value (GMFV) of the vehicle which is the balloon amount at the end of contract term. The contract term of this product can be 2 or 3 years. At the end of the contract, you are provided with three options on how to deal with your vehicle.


Down Payment
Low to 20%

24 or 36 months
Lower Monthly Payments

Peace of Mind

Choose from three options at the end of your agreement

The introduction here for three below options are for reference purpose only. Please refer to actual signed legal documents for details.


Option One – Renew your Lincoln

With Lincoln RCO, you can enjoy all of the benefits of a new vehicle, more often. If you would like to renew your Lincoln at the end of your agreement, you can trade in your existing vehicle at your Lincoln dealer, or sell it privately and settle your account. Any excess value over the Guaranteed Minimum Future Value (GMFV) can be used as a deposit towards your new Lincoln.


Option Two – Return your Lincoln

Your pre-agreed GMFV gives you protection against any unexpected fall in used vehicle prices at the end of your agreement. If you would like to return your vehicle at the end of your agreement, your Lincoln Dealer will complete a vehicle inspect. As long as your vehicle meets the Wear and Use Standard, is within the mileage band, and your account is up-to-date, there will be nothing further to pay the balloon amount at the end of contract term *.

*Note:Additional charges may be required if you exceed the agreed mileage or if your vehicle does not meet Wear and Use Standard.


Option Three – Retain your Lincoln

Lincoln RCO also gives you the flexibility to own the vehicle at the end of your agreement. All you need to do is arrange payment of the GMFV or to re-finance the GMFV.

We’ll contact you before the end of your RCO finance agreement to make sure you have plenty of time to decide which option is best for you.


Product Benefits



You stay in control with the flexible option to renew, return or retain at contract-end.


Value preservation & Peace of mind

The vehicle has a guaranteed minimum future value and is protected against depreciation below GMFV, any downside risk is thus removed and you will have peace of mind about the handling of vehicle at contract-end.


Unprecedented Experience

With the renew option, you can drive the latest models every 2 – 3 years with affordable payments. Always enjoy the new vehicle on the road when it’s in the best condition and within manufacture warranty coverage.


Affordable Payment Options

You can enjoy both low deposit and low monthly payment. All else being equal, the monthly payment of RCO will be lower than standard financing product.


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Lincoln Financial Service Center

    [1] The legal entity of Lincoln Automotive Financial Services is Ford Automotive Finance (China).

    [2] To us, a true luxury financing experience is one where no needs go unmet and no questions go unanswered. So if you have any questions or concerns about financing, please don’t hesitate to contact us at: 400-820-5071 (landline or mobile) and 800-820-5071 (landline) from Monday to Friday (except national holidays).

    [3] ACTUAL PRICES AND PAYMENTS MAY BE DIFFERENT due to local rebates, specials, fees and credit qualifications. Please consult your dealer for actual vehicle price, payments, and complete details of financing programs.

    [4] Actual down payment amount and credit approval conditions are based on the credit decision of Lincoln Automotive Financial Services.