The Lincoln Navigator Black Label is the top trim of Lincoln’s full-size luxury SUV. The redesigned 2026 model starts at about $119,000 to $122,000, with a 440-horsepower twin-turbo 3.5-liter V6, 510 lb-ft of torque and up to 8,700 pounds of towing. For 2026, Black Label is available on both the standard Navigator and the long-wheelbase Navigator L. A Navigator Black Label is also valuable collateral: Borro lends against luxury cars worth $50,000 or more, so owners can raise capital fast without selling.
2026 Lincoln Navigator Black Label Specs at a Glance
| Spec | 2026 Navigator Black Label |
|---|---|
| Engine | 3.5-liter twin-turbo V6 |
| Power and torque | 440 hp and 510 lb-ft |
| Transmission | 10-speed automatic |
| Towing | Up to 8,700 lb |
| Seating | Up to 8 |
| Wheelbase | 122.5 in (Navigator); longer on Navigator L |
| Fuel economy | About 15 mpg city / 22 mpg highway (Navigator L) |
| Price | About $118,995–$122,525 depending on body and source |
Own a Navigator Black Label? Borro lends against luxury, classic and collectible cars valued at $50,000 or more, with loans from $25,000, no credit check and funding in as little as one business day. Get a no-obligation quote or call 720-458-6788.
What Is the Lincoln Navigator Black Label?
Black Label is Lincoln’s highest level of luxury, offered on its top models with exclusive interior themes, premium materials and owner services. On the Navigator, it sits above the Reserve trim. Lincoln redesigned the Navigator for 2025, and 2026 is the second year of this generation. The main 2026 change is that Black Label is now available on the standard-length Navigator as well as the Navigator L.
How Much Is the 2026 Lincoln Navigator Black Label?
Kelley Blue Book lists the 2026 Navigator Black Label at about $122,420 and Cars.com lists the Navigator L Black Label at about $122,525, while TrueCar shows a starting figure of $118,995 plus a $2,595 destination charge. Kelley Blue Book’s fair purchase data has suggested buyers pay roughly $8,500 to $11,400 below MSRP, so it pays to shop around.
Navigator Black Label Engine and Capability
Every 2026 Navigator uses a 3.5-liter twin-turbo V6 rated at 440 hp and 510 lb-ft of torque, paired with a 10-speed automatic. The Black Label can tow up to 8,700 pounds and seat up to eight, depending on configuration.
Can You Get a Loan Against a Lincoln Navigator Black Label?
Yes. A recent Navigator Black Label is well above Borro’s $50,000 minimum for vehicles, and Borro lends up to 50% of the appraised value. A Navigator Black Label appraised at $100,000 could support a loan of up to about $50,000. Older Navigators may fall below the minimum, but Borro can also lend against watches, jewelry and other high-value assets.
- No credit check and no personal guarantee. The car secures the loan, and Borro does not ask for personal or business financial statements.
- Fast funding. Once your loan is approved, funds can arrive in as little as one business day.
- You keep ownership. Your car is held in fully insured, secure safekeeping for the loan term and returned when you repay.
- Private and discreet. Borro has lent more than $1 billion to clients across the country and holds an A+ BBB rating.
How It Works
- Tell us about your car. Share the year, trim, mileage and the amount you want to borrow.
- Inspection. A Borro valuation expert arranges an in-person inspection. Have proof of ownership, service receipts and ownership history ready.
- Final quote and funding. Borro sets the valuation, gives you a final loan quote and funds the loan once you accept.
Learn more about Borro’s luxury and classic car loans or how a collateral loan works.
The Soft Click of a Black Label Door
Close the door of a Navigator Black Label and listen. That low, deliberate thud is half of the sales pitch. It says the cabin is sealed, the day outside is on hold, and whoever is inside has somewhere better to be than the traffic.
This is a car built around arrival. The leather has a hand to it, the seats take you in rather than hold you up, and the whole interior is arranged like a well-kept sitting room that happens to move. Ask anyone who has spent a long drive in a vehicle like this with a few people they love. Nobody remembers the miles. They remember the conversation.
Black Label is Lincoln’s way of making you feel looked after, and it is a feeling people grow attached to. It is hardly surprising that owners think of these vehicles as more than transport.
Which is exactly why selling one to raise capital can feel like giving up a room in your own home. There is a gentler route. Borro lends against luxury cars of sufficient value, holds the vehicle in secure, fully insured safekeeping, and returns it to you when the loan is repaid. You never surrender ownership. Details on how it works for luxury and classic cars are a short read away, and the door, when you return, will close just as softly.
Frequently Asked Questions
Can I borrow against my Lincoln Navigator?
Yes, if it is worth $50,000 or more. Borro lends up to 50% of the appraised value, with loans from $25,000, no credit check and funding in as little as one business day.
What is the Lincoln Navigator Black Label?
It is the Navigator’s top trim, with Lincoln’s most exclusive interior themes and materials. For 2026 it is offered on both the Navigator and Navigator L.
How much is a 2026 Navigator Black Label?
About $119,000 to $122,500 depending on body length and source, before dealer discounts.
How much horsepower does the Navigator Black Label have?
440 hp and 510 lb-ft of torque from a 3.5-liter twin-turbo V6.
How much can the Navigator Black Label tow?
Up to 8,700 pounds, depending on configuration.
See how much your Navigator could unlock. Borro’s car loans start at $25,000, with no credit check and no personal guarantee. Apply now or call 720-458-6788 to speak with a valuation expert.
