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2020 lincoln mkz
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2020 Lincoln MKZ

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20 city / 31 hwy

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2-Star: Below average vehicle. Not recommended, and lacking attributes a car buyer would come to expect for the price.

1-Star: Poor vehicle. Simply does not deserve to be on the road.

Est Monthly Loan

The monthly payment is based on the price of this vehicle assuming it is financed. If you choose to lease, you can also use the payment calculator to determine your lease terms. Default values for financing include: Term of months, APR of , and Sales Tax of . Default values for leasing include: Term of months, Money Factor of , Residual Value of , and Sales Tax of .

2020 Lincoln MKZ
$577 / month
$489 / month
Vehicle Price
A typical negotiated price before taxes & fees.
Incentives that help lower the selling price of a vehicle.
Available Money Factor of 0.00209 for 36 month lease
Incentives that help lower the selling price of a vehicle.
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Buying Tips

What you must know before buying the Lincoln MKZ

John Diether
Automotive Editor - August 8, 2020
  • 2020 MKZ selection improving
  • $1,000 rebate + discounted pricing on Standard trim
  • Lease from $396 for 36 months
  • Get 0% APR for 72 months on any model

Lincoln's volume sedan:

The carryover 2020 MKZ continues arriving at dealers nationwide. It's usually kept in healthy supply, and pricing is generally favorable. You should have no problem finding one equipped the way you want. This entry also covers the MKZ Hybrid.

Production will end later this year as part of Ford's move away from passenger cars. No replacement is planned.

Under the new Lincoln Promise program, buyers who finance or lease through Ford Credit can return their vehicle within one year if they lose their job. The customer's balance will be reduced by the trade-in value of the vehicle, plus any remaining amount owed, up to $15,000. The program runs through September 30 on all Lincoln vehicles, excluding commercial and fleet sales.

Current factory offers vary by region and will remain in effect through August 31, 2020 unless otherwise noted. Examples shown here are for California. It's possible Lincoln will enhance incentives ahead of Labor Day weekend.

Big savings on base model:

Cash offers on the 2020 MKZ have been concentrated on the entry-level Standard trim. In addition to a $1,000 factory rebate, Lincoln dealers are offering substantial in-house discounts. We're seeing total savings up to $7,000 on the Standard model.

You can combine your cash savings with this month's APR specials (see below).

What's up with leases:

There is no advertised lease special on the 2020 MKZ this month. According to Lincoln's online payment estimator, leases start at $396 for 36 months (10,500 miles a year) with $4,171 due at signing. The effective monthly cost of this lease works out to $512, which isn't a good value for this price class in our analysis.

We expect to see better deals this fall, when special offers will likely resume.

0% for 72:

Lincoln continues to offer 0% financing for 72 months throughout the 2020 MKZ lineup. You can combine it with this month's cash offers on the Standard model.

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Advertised Lease Deals

Standard (Estimated Payment)
$396Monthly Payment
Term Length (months): 36
Due at signing: $4,171
Mileage: 10.5k
MSRP: $37,745
Deal Valid in: Los Angeles
Expiration: 8/31/20

This ranks as an excellent deal based on our expert analysis of: vehicle price, length of lease term, amount due at signing, monthly payment, etc.

CarsDirect Target Price

Prices vary by style

CarsDirectPricing as of 8/13/20 in 20149
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Cash Rebates
Target Price
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Cash Incentives

Incentive available to most customers and purchasing situations.
Bonus Cash Special Retail Bonus Cash - 11783 (Expires 8/31/20) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Qualifying residents of the United States. %Qualification% Rule of '10' applies Standard Rules of Eligibility applies. $2,000
Bonus Cash Special Retail Bonus Cash - 11781 (Expires 8/31/20) Customer Rebate: Customers must take delivery of this vehicle prior to the expiration date to be eligible for this manufacturer rebate. This rebate may not be available on special factory orders or used in conjunction with special manufacturer financing or leasing programs. Other special financing programs may be available. Please check with your CarsDirect Trusted Dealer for complete details.%NotesManuf% %Eligibility% Qualifying residents of the United States. %Qualification% Rule of '10' and Standard Rules of Eligibility apply. $1,000

Hurry! Offer expires

Leases For Similar Cars

Based on 2020 Lincoln MKZ Standard 4dr Front-wheel Drive Sedan - MSRP $37,745

2020 Lincoln MKZ Overview

Matthew Pilgrim
Automotive Editor

What's New

The 2020 Lincoln MKZ is one of the last of the brand to solider on with its Ford roots on full display inside. However, the exterior handsomely adopts the current Lincoln front end design.

There’s not much happening for the 2020 model year except for some simplification of option packages and the availability of front-wheel drive with the premium engine.

Choosing Your Lincoln MKZ

The MKZ is available in two trims: Standard and Reserve. Pricing starts at $38,390 for the Standard and climbs to $44,140 for the Reserve.

Engine Choices

The Lincoln MKZ comes standard with a 2.0-liter turbocharged four-cylinder engine. The Reserve offers a 3.0-liter turbocharged V6 for $3,000.

Engine TypeHorsepowerTorqueFuel Economy (Combined)
2.0L Turbo 4-Cylinder245 hp275 lb-ft24 mpg
3.0L Turbo V6350 hp400 lb-ft21 mpg

Both engines are paired with a six-speed automatic transmission. Front-wheel drive is standard, while all-wheel drive is a $2,000 option with the base engine or a $3,000 upgrade with the V6.

The AWD system with the V6 adds an active torque-vectoring rear differential and increases horsepower to 400.

Passenger and Cargo Capacity

The MKZ seats five passengers. It's 193.9 inches long and rides on a 112.2-inch wheelbase, which affords 37 inches of rear legroom. The trunk contains 15.4 cubic feet of cargo capacity, which lands it in the middle of the mid-size sedan segment.

Safety Features

The Lincoln MKZ includes active safety technology such as automatic emergency braking, lane keeping assist, blind-spot monitoring, rear cross-traffic alert, adaptive cruise control, rear parking sensors, and automatic high beams – some of which are newly standard on 2020 models.

The MKZ carries a five-star overall safety rating from the NHTSA, while it failed to earn a designation from the IIHS.


Ford’s Sync 3 infotainment system is controlled through the 8-inch touchscreen display and is compatible with Apple CarPlay, Android Auto, and SiriusXM satellite radio. Two USB ports and four 12-volt powerpoints help devices stream non-stop.

The optional Convenience Package ($2,000) adds navigation, a 110-volt AC power outlet, and two rear USB ports, among other features. These features are standard on the Reserve.

Standard - From $38,390

The MKZ Standard presents a solid value and brings many step-above features like 18-inch aluminum wheels, HID headlights, LED taillights, an auto-dimming driver’s side mirror, adaptive suspension, and exterior welcome lighting as standard.

Proximity-entry, push button start, remote start, 10-way power and heated front seats with memory, a leather-wrapped steering wheel, dual-zone climate control, and a 10.1-inch LCD driver information display make this base trim feel like a luxury vehicle.

The Convenience Package ($2,000) includes the additional connectivity features as well as ambient lighting, a power-open trunk with a soft-close lid, and a power steering column with memory.

Reserve - From $44,140

Perforated leather seats, wood interior trim, front parking sensors, an automated parking system, an upgraded audio system, and the features of the Convenience Package are all part of the upgrade to the MKZ Reserve.

The trim also allows for ventilated front seats, heated rear seats, and a heated steering wheel as part of the Elements Package ($800). Furthermore, the Luxury Package ($3,000) adds massage front seats, a 20-speaker Revel audio system, and LED headlights. A panoramic sunroof can be added for $2,000.

Compare MKZ Trims Side-By-Side

CarsDirect Tip

The 2020 Lincoln MKZ Reserve is almost $6,000 more expensive than the base trim without the standard features to back it up. The Standard trim with the Convenience Package is the ideal setup, as it includes several luxurious features while maintaining a sense of value.

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