No. $0 down means no cash down payment to lower your monthly payment, but you'll typically still owe first month's payment, taxes, registration, and dealer fees at signing.
Call 407-268-5051 for an exact out-the-door figure on the model you want.
01The straight answer
What "$0 down" actually means on a Lincoln lease.
You already suspect there's a catch. Every "$0 down" ad you've scrolled past has one buried in the fine print, so here it is, no fine print: $0 down means no cash down payment. It does not mean $0 at signing.
Here's the difference in plain terms, so the number you're quoted is the number you actually pay:
| Term | What it means | What you owe at signing |
|---|---|---|
| $0 down | No cash down payment — nothing extra put toward the vehicle to lower the monthly. | First month's payment, tax, registration, and dealer fees are still due. |
| $0 at signing | Nothing due the day you drive off — the first payment, taxes, and fees are rolled into the lease instead of paid up front. | $0 that day, but a higher monthly, since those costs are financed across the term. |
That's the entire catch. From there it's a cash-flow choice:
- Money down. A capitalized cost reduction — every dollar you put in lowers what you finance, so the monthly drops.
- $0 down. You keep your cash up front and roll it into the monthly instead — a smart way to get into a new Lincoln sooner without a big drive-off.
- Both are good options. It's simply a matter of where you'd rather put the same dollars: down at signing, or spread across the term. We'll help you land on the one that fits your budget.
Which structure fits comes down to how you prefer to manage cash flow, and our Finance team will walk you through both so you drive off in the Lincoln you want.
$0-down programs depend on the model, the lease term, your mileage allowance, and your credit tier. Lincoln Financial Services updates these incentives monthly, so a figure you saw somewhere else last week may not exist today. Call and we will quote the live program on the model you actually want.
Worried about what usually comes next? The pressure, the surprise fees at signing? Our job is to be straight with the numbers and let you decide in your own time. A recurring note in our Google reviews is exactly that: people who arrived braced for a hard sell and left saying they were never rushed into a signature.
Call for this month's real $0-down figure. You are not committing to anything by asking.
How Florida taxes a lease (and why it helps here)
Florida applies the 6% state sales tax plus the 1% Seminole County surtax to each monthly payment rather than to the full MSRP up front — the full mechanics are in our lease vs. buy guide for Florida drivers.
One important note if you have a trade-in. Florida's trade-in sales tax credit applies to a retail purchase, not to a lease. On a lease you're taxed on the monthly payments, and a trade doesn't reduce that tax the way it would on a financed or cash purchase.
Your trade still counts, though: it goes toward the payment as a down payment to lower the monthly. It just doesn't carry the sales-tax credit. If that tax savings matters to you, it's worth weighing in the lease-versus-buy call, and our Finance team will lay out both at the desk.
$0 down at a glance
- What $0 down covers
- No cash down payment — no capitalized cost reduction to lower your monthly
- Still due at signing
- First payment, taxes, fees — registration and dealer fees apply
- What sets the offer
- Model, term, mileage, credit tier — programs vary by all four
- How often it changes
- Monthly — Lincoln Financial Services updates incentives each program window
When the numbers are laid out straight and nobody pushes, people come back. One of ours just picked up her tenth Lincoln from us.
Customer testimonial
“Car number 10 from the same dealership.”
A Parks Lincoln of Longwood customer picking up her tenth vehicle from us. People don't come back ten times for a hard sell — they come back because the numbers were straight and nobody rushed the signature. Press play to hear it in her words.
02The lineup
Which Lincoln models can you lease right now?
Which models carry $0-down offers moves from month to month as Lincoln updates the program sheets, so always confirm the current one. These three are among the Lincoln models most commonly leased in greater Orlando.
Lincoln Nautilus
The midsize, two-row Nautilus is the Lincoln we put up against the two-row Lexus RX, and it's one of our most-leased models. With the available BlueCruise / ActiveGlide hands-free driving system and a cabin built around quiet, the Nautilus is a sharp lease for greater Orlando drivers who want a refined daily SUV without committing to ownership.
Lincoln Aviator
The three-row Aviator stands toe-to-toe with the three-row Lexus GX. If you need room for the family plus the presence of a full Lincoln, it's worth asking about Aviator lease terms, including any $0-down offers in play this month.
Lincoln Navigator
The full-size Navigator is Lincoln's flagship. Three genuine rows, with room behind the third for the whole family's gear. It also rides quieter than anything else we lease. It sits at the top of the lease lineup, so ask about Navigator terms, including Reserve and Black Label, when you call.
Which model carries $0-down shifts month to month across the Navigator, Nautilus, and Aviator. Call to confirm what's in play right now.
This month's programs, confirmed by phone
Get your real $0-down number on the model you want.
Tell us the model, the term, and the miles you drive, and our team confirms the live offer — including what's due at signing. No guessing from a figure you saw somewhere else.
03The decision
Lease or finance: which fits you?
There's no single right answer. It depends on how you drive and how long you keep a vehicle. Here's the quick version; if you want the full breakdown — the three numbers that decide it, model-by-model lease math, and the Florida tax mechanics — we wrote a dedicated lease vs. buy guide for Florida drivers.
Lease if you like being in a new Lincoln every two to three years and your annual mileage is predictable. The monthly typically runs lower than financing the same vehicle, and warranty coverage stays with you the whole term.
Finance if you plan to keep the vehicle long term, you drive high mileage, or you want to build equity and eventually own it outright with no mileage caps.
Bring us your situation and we'll run both paths so you can compare real monthly numbers, not guesses. Parks Lincoln of Longwood sales team
04Before you visit
Apply for financing before you visit.
You can get a head start from your couch. Submit a secure credit application online and our finance team will have your pre-approval ready when you arrive.
We work with a range of credit profiles and Lincoln Financial Services to find terms that fit. Walking in pre-approved means you spend your time picking the Lincoln you want instead of sitting at a desk.
See this month's Lincoln lease specials at Parks Lincoln of Longwood or browse current new Lincoln inventory.