Since 1952, Lincoln Financial Services has been an industry leader in automotive finance and risk management. While we use the same processes that made this business successful, we have updated using sophisticated modern technologies. With a friendly, proactive staff that creates personal relationships with both the dealers and their consumers, we make the process pleasant and efficient for everyone involved.
Lincoln Financial Services is headquartered in the Mission Valley area of San Diego, California. Lincoln Financial Services accepts payments at our home office in Mission Valley from 9:00 am - 5 pm PST Monday through Friday. We accept Checks, Money Orders, Cashier's Checks and Debit Card.
Lincoln Financial Services is headquartered in the Mission Valley area of San Diego, California. Lincoln Financial Services accepts payments at our home office in Mission Valley from 9:00 am - 5 pm PST Monday through Friday. We accept Checks, Money Orders, Cashier's Checks and Debit Card.
Reviews (20)
Laura Guerrero
Jan 23, 2021
Report
Strange operation. They sent a fax to verify employment on one of my employees then called the next day demanding an explanation of why it wasn't done yet. The fax # on their form to respond doesn't work and the address on the form is both incomplete and outdated. Phone gal was so rude I informed them in writing to communicate with my company by fax only. The employee being verified said they charge a very high interest rate.
Justin W.
Dec 08, 2020
Report
They repo’d my car almost 5 years ago. I stopped paying them just because of the service and the harassment. Calling everyday, literally call you today. Then call you tomorrow. They lied multiple occasions so I had enough. I change my phone number. I called them from a phone app( free text and call) and told them that’s my new number. I waited for them to call again as they do and I answered that phone app. Told them I have my card and I’m ready. Then I hung up on them in the middle of cars reading and deleted that app lol haven’t heard from them since. I went and bought a new car and been
Jenn Olson
Oct 03, 2020
Report
I made a year and a half of payments on time no issue. COVID hits, I miss 2 payments, I communicate. I have been making my payments on time for the past 4 months. They are reporting to my credit report "missed payments" for the last 6 months FALSE. They are also charging me a $15 late fee every month and not reporting that I am paying. I understand if you are saying I am paying the back months (which is what they originally told me) and dinging me for late fees - but lying about making payments that are documented? That is fraudulent. Talk to you soon Lincoln Financial Services. OH that is if you
Colla W.
Jun 19, 2020
Report
Dominae J.
Apr 14, 2020
Report
My loan increased by almost 300$ and I paid a large sum which helped me stay on top of it for a year then after asking for my balance it's like I'm 4 months behind in payments when I asked what was going on the teller put me on hold then the phone started ringing like she connected me to another line but no one answered.
And I called back, she had an attitude when I asked for my balance again after I pay this loan I will not return to this company.
And I called back, she had an attitude when I asked for my balance again after I pay this loan I will not return to this company.
Jaymez Best
Jan 13, 2020
Report
This company will be reported today for fraud.
Annette Martinez Is a horrible receiptionist or what ever it is she does. They try and threaten you to send your information back to the dealer but take out loans upon your information which is fraud due to the Fact the loan is already taken out and processed.
Annette Martinez Is a horrible receiptionist or what ever it is she does. They try and threaten you to send your information back to the dealer but take out loans upon your information which is fraud due to the Fact the loan is already taken out and processed.
The Last Sentinel
Dec 03, 2019
Report
I've never been any more than 1 day late on my payments since ive had my car (6 MONTHS) and since that time 3 months ago when my payment was 1 day late, I get 15 days out from when my payment is due, and Lincoln Financial Turns the ignition off in my car BEFORE the payment is due??
When I confront their rude as hell customer service department about it politely and tactfully, they tried to refute the fact that its happening altogether.
Excuses:
1)"Well maybe its a bad battery"-Nope had it tested its brand new.
2) "Well it could be your starter"-Wrong again had it tested also brand new nice
When I confront their rude as hell customer service department about it politely and tactfully, they tried to refute the fact that its happening altogether.
Excuses:
1)"Well maybe its a bad battery"-Nope had it tested its brand new.
2) "Well it could be your starter"-Wrong again had it tested also brand new nice
Christina M.
Sep 17, 2019
Report
I havent had any issues with them and my car is already half way paid off. They make it easy to make payments over the phone (with a small fee) or if you have any questions they are pretty quick to answer. It is a high interest rate, but at the time of the loan my credit was not good and I was very thankful they took the chance on me. Now my credit has been going up because I pay on time.
Tammy Pepper
Jul 15, 2019
Report
Let me be the first one to say TINA is the worst representative of all in that company. She is rude, ghetto, and think she can over rule you with everything . Talking over you instead of listening to you . First time I had my car taken away was there fault because they didn’t even receive the payment on time because of the system. They don’t try to work with you, each and every one of them is just rude including the manager Susan. What kind of company is this ! Poor service of all !!!
Lorraine N.
Feb 28, 2019
Report
I would not recommend them and if I could give them negative stars I would. I called to make a payment and after better than 5 minutes if being on hold, I was taken off hold and listened to multiple women laughing and talking about personal things. When I said "hello?" I was put back on hold. Terrible customer service! I cannot even make a payment. This happens ALOT. They are never friendly or professional- not once in over a year. Subprime sharks.
Bad interest rates and terrible customer service.
If you're offered a car loan with them, decline!
Bad interest rates and terrible customer service.
If you're offered a car loan with them, decline!
Felipeee V.
Nov 18, 2018
Report
If you want a car from a dealership and you see that it is financed by “Lincoln financial” turn around and walk out that door. The people there are horrible and rude. They argue with you over the phone and if they call you they only call you to start an argument. Management is the worst I have ever seen, they are a bunch of unprofessional idiots.
L. N.
Feb 13, 2018
Report
Terrible Loan Company- I would not recommend them. I have had my car loan for almost a year and have Never been late. Not even once. Recently, I became sick and lost over 10 days of work. Now, they are saying that they dont do "deferments" like every other car company in the world does, so I am not late. They are "different" they said. (To say the least and not in a good way). Out of a $338.00 payment, they want $200 and, they threatened to take the car - and I'm not even late yet! TERRIBLE Customer Service as well. DON'T get a loan with this heartless company.
McKesha R.
Jul 10, 2017
Report
I've never had a problem with this company. I even ran into some trouble when I lost my job & they worked with me. They were VERY understanding & kind. Everyone I've spoken with has been polite & nice. They are very compassionate & empathetic people. I can't speak for anyone's situation but my own. I just know that they worked with me had my back in my time of need. I have 2 payments left on my vehicle & when time comes for me to finance another car, I will more than likely have them finance my new car. They're pretty awesome,
Heather P.
May 31, 2017
Report
Never had a problem with these guys. Even when my payment is oat they are very polite they never call and bother me at work. Very nice people. If you were making your payments on time you would have never had to deal with a report and all the hassle of it. So pay your bills and stop complaining about these nice people.
Jeff W.
May 16, 2017
Report
This has got to be the most easiest company that I personally have ever dealt with! I have no idea what or why these other people are complaining about! Maybe because they run this like it is? A real Old Fashioned Family owned business? Where they actually have a heart and their computer doesn't tell them what to do? I Financed my very first car with them for me and my family and couldn't have been happier! I have referred many people to them as well and I will continue to do so until they prove me wrong! But after over 20 years of good experienced I don't think that is going to
Larry Z.
Mar 08, 2017
Report
With the help and trust I get from this finance company is very helpful. The staff are all helpful in questions I had and the company has multiple ways you can make your payment on time. I had hit a hardship & was struggling to make me bills. Lincoln Financial worked with me & was completely understanding after multiple missed due dates, payments not in full. They understood the situation & wanted to know when it was possible to make my bill or a minimum payment A.S.A.P to avoid any extra late fees that must be added. The only thing I didn't like, but I don't blame them, I
Raven J.
Feb 17, 2017
Report
I am disappointed in the run around I am getting. I paid the required fees to the this place. I was then told that because the car was being auctioned that I have to wait to find out what the dealership fees are as they prepped the car for auction. It has been a week since I paid for the fees and I still don't have my car back. I filed with the BBB because this is insane. Having a title doesn't mean it is a business. I want my car back.
Johnny Lopez
Sep 26, 2016
Report
I sent in my payment and they are saying they didn't receive nothing. I was working out of town when one of my coworkers calls me to notify me my car is being taken. This will not stay like this I'm not paying for the report or nothing I have proof of my payment and everything this will proceed to court !
Katherine M.
Aug 23, 2016
Report
This place is a freaking joke when i bought my car in sun city i was paying the dealer at first and then the dealer told me that since i made my payments on time that they wanted to send me to this hell hole of a place ! these people are rude condescending people no customer service skills at all ! when i sent my car payment in i told them in the begin was mailing it and it would take a few days to get there and get proccessed and they said that was fine well every single month someone was calling me harassing me saying where is your payment and every month i would tell them
Lisa S.
Feb 20, 2014
Report
Very rude customer service! If that what you want to call it when they answer the telephone unprofessional saying " hold on" . To only place you on hold and then hang up. When called back same person Martha answered the phone saying " hold on". I then asked for a supervisor to get Elizabeth who couldn't provide her last name nor a agent ID number. To then have to call back and speak with the manager who I explained the entire experience to for her to not show any empathy and she had the nerve to be upset that I was short with her as I was simply pissed and irritated by
