Hi gang. The following is a combination of personal experience, along with personal knowledge. And of course, I also realize that experiences can/will vary for some of the reasons I will mention below (only numbered for clarity, not order of importance), along with other reasons I just won’t be able to think of at the moment…

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1- As Lincoln states on their website description of the Lincoln Complimentary Loaner program…
“Valid for Lincoln vehicles within 4-years of the new vehicle warranty start date or 50,000 miles, whichever occurs first. Subject to retailer availability. See your retailer for complete details. Lincoln reserves the right to change, modify or discontinue this program at any time.”
So it is up to Dealer discretion if we are outside that warranty period, availability can be limited etc. etc.
There is also extended Lincoln Complimentary Loaner coverage if we have a LincolnProtect ESP with rental car reimbursement coverage also chosen.
2- Lincoln Complimentary Loaner availability varies greatly by individual dealership. Many dealerships have not even recovered from the vehicle shortage caused by Covid. Or in a case like my Lincoln Dealership, they have also not recovered from their vehicle lot and building being flooded from one of our recent “100 year floods”, where over 200 vehicles were destroyed.
3- Past personal experience- Since no dealership has an unlimited supply of loaners, we can’t expect to always have immediate loaner availability, even in an emergency. Almost all loaner vehicles are out with customers on any given day. My dealership schedules loaners out by customer requests, service importance, availability etc.. Therefore, if I was to call and schedule service and request a loaner, there is a 0-5 week wait. And that wait will usually be determined by importance of the service.
If the vehicle is under warranty and non-drivable (an unexpected emergency), they will try to get the owner into one immediately, or within a day or two.
If the vehicle owner just calls for an oil change and tire rotation (no emergency), expect up to a 4-5 week wait, so plan accordingly. Before Covid, it was about a 2 week wait.
4- If no loaners are available at the time, most Lincoln Dealerships will provide customer drop off service. Some dealerships use a dedicated employee driver. Others use a ride-share service. My dealership provides Uber rides home or to work, and will have them pick me up when my vehicle is ready. So if I call for a routine oil change/tire rotation that day or the next, I will usually wait at the dealership. Once in a while I’ll take the complimentary Uber ride home and back.
5- Lincoln policy is that Lincoln Concierge has the ability to provide for rental car reimbursement in cases where a dealer has no loaner vehicles available. However, this is subject to the individual situation… i.e. emergency, non-emergency, length of time the vehicle will be out of service, etc.
In all honesty, I don’t expect a complimentary loaner or rental car reimbursement for a same day oil change. Lincoln Concierge can not force a dealership to reimburse for a rental car in the above situations. In those cases, Lincoln reimburses the vehicle owner. Either way, the dealer does not eat the rental cost for covered events. Lincoln ultimately pays.
However, a Lincoln owner has every right to politely expect those things if their under-warranty vehicle will be out of service for several days or more.
Unfortunately, getting the correct information from Lincoln Concierge is also subject to the competence of the individual Lincoln Concierge representative, how polite we are, etc. etc. So if we are told no by the first Lincoln Concierge rep we speak with, call back and ask the next one.
EDIT (for clarity)- Lincoln Concierge does not “authorize”/facilitate etc. a rental when our vehicle is in for service. In most cases, actually arranging for and obtaining the rental vehicle will be up to us. What Lincoln Concierge will do is facilitate us obtaining the allowable refund, in cases where our Dealership will not do so. That is why it is always best to contact Lincoln Concierge for help/assistance. And to paraphrase inmanlanier…asking the questions in the correct manner can help us get the correct answers.
6- When no Lincoln Complimentary Loaners are available, rental car reimbursement is limited by Lincoln to a set per diem amount, and that amount varies by vehicle model. Last time I checked (several years ago), it was $45 per day for the MKZ. More expensive vehicles at the time (i.e. Continental and Navigator) had higher limits.
Lincoln pays this rental car reimbursement, not the dealership.
7- Current personal experience- At this very moment, I have a Lincoln Complimentary loaner while my MKZ is in for service. My 2018 MKZ is obviously outside the New Vehicle warranty. The loaner is a 2024 Corsair.
I called to schedule the service appointment two weeks ago (noticed a slight rear differential drip/leak).
Scheduled an appointment for last Monday (7 days ago). No loaners available until ~10/5. Wanted it fixed ASAP, so decide I’ll have to suffer with no loaner, so I schedule for last Monday (7 days ago).
Last Saturday (9 days ago) I get a call from my dealership that a loaner is available. Great news!
So my car is in since last Monday waiting for a part to arrive (tentative arrival tomorrow). I have a LincolnProtect ESP, so the full repair cost is covered.
Does it help that I also have my routine vehicle service performed at the dealership? I think that is a strong possibility.
On a related note… Although it is a lower trim level model, I’m very impressed with the Corsair loaner I’m currently driving. Nice build and drive quality, quiet, responsive etc. And this opinion comes from a person who strongly prefers and has only owned traditional cars…as opposed to not particularly liking CUV’s, SUV’s and trucks.

The only issue I’ve noticed is that the brakes are a bit grabby at the transition between light braking and heavier braking. However, I have a feeling that may have more to do with a bit of driving abuse by previous loaner drivers of the vehicle.
Let me reiterate… I do understand not all Lincoln Dealerships (or any automaker dealerships) are created equal.
Plus, I’ve been lucky enough to have a good dealership, and to get helpful/knowledgeable Lincoln Concierge representatives the vast majority of times when I needed to utilize Lincoln Concierge.
Sorry for the long post, but I hope some of this (admittedly very basic) Lincoln Complimentary Loaner information may help.
Good luck.
