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How to finance a Ram

Compare car loans to get behind the wheel of this American truck manufacturer.

Ram was created in 2010 as an off-shoot of American car brand Dodge to service hard-core truck enthusiasts. With prices topping $35,000, you have a variety of options to finance one of these heavy-duty vehicles. While the fastest way to go might be financing directly through an authorized dealership, you’ll likely find a more competitive rate if you prequalify with a few different lenders first.

How can I finance a Ram?

You have a range of financing options to get behind the wheel of a Ram truck. Shopping around for a traditional car loan from a bank, credit union or online lender may take longer, but it can save you hundreds or even thousands of dollars in interest over the life of your loan. Personal loans are also an option if you don’t want to use your truck as collateral — but rates tend to be higher than secured forms of financing.

If speed is your main concern, you might want to consider applying directly through an authorized Ram dealership. As a division of Chrysler, it offers in-house financing through Chrysler Capital. Well-qualified borrowers may be eligible for competitive rates — here’s how it breaks down:

  • Chrysler Capital financing. Past deals include up to $5,500 cash back on select 1500 trims and 0% financing for five years.
  • Chrysler Capital leasing. If you want to switch cars up every few years, Chrysler Capital also has special offers for leases. These vary, so check the Ram website for more information on deals in your area.

As with all types of financing, the exact rates and terms you qualify for will depend on your credit score, debt-to-income ratio and other aspects of your finances.

Read our review of Chrysler Capital auto loans and leasing

Compare car loans to finance a Ram

1 - 4 of 4
Name Product Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

Does Ram offer special discounts or programs?

Yes, Ram offers two discount programs:

  • Military bonus cash. Current active- and reserve-duty members, retirees and recent veterans may be eligible for $500 off the price of a 2018 or 2019 Ram truck.
  • Accessibility equipment reimbursement. Drivers with a disability may be eligible for a reimbursement of up to $1,000 for the installation of adaptive equipment.

What will a new Ram cost me?

A new 2019 Ram will cost anywhere from $28,000 to upwards of $35,000 for the basic trim levels. It all depends on your negotiation skills, where you live and the add-ons you choose.

Choose a type of vehicle

2019 Ram 1500 Classic

  • MSRP: $27,645
  • Build: Truck
  • City/highway MPGe: 17/25

2019 Ram 150

  • MSRP: $33,440
  • Build: Truck
  • City/highway MPGe: 20/25

2019 Ram 2500

  • MSRP: $33,645
  • Build: Truck
  • City/highway MPGe: Not available

2019 Ram 3500

  • MSRP: $35,095
  • Build: Truck
  • City/highway MPGe: Not available

Car insurance costs that come with driving a Ram

Does a new Ram come with a warranty?

Yes, all Ram trucks come with two warranties:

  • Basic limited warranty — 3 years or 36,000 miles
  • Powertrain limited warranty — 5 years or 60,000 miles

A full breakdown of the basic limited warranty and parts covered under other warranties can be found by going to Ram’s website and clicking Owners in the main menu, followed by Warranty.

Bottom line

Ram may be a newer line of trucks, but the power behind the manufacturing has been around for over a century. When you’re ready to buy, financing directly through an authorized dealership might be your fastest option. But we recommend comparing your car loan options first to increase your bargaining power when you hit the lot.

Frequently asked questions

Pictures: Ram Official Page

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