Sign up & start saving!
Get our weekly newsletter for the latest in money news, credit card offers + more ways to save
Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
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
{"niche":"USFCL"}
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
More guides on Finder
-
Is now a good time to buy a car? 5 ways COVID-19 may have helped you
Navigate car deals and a wavering market if you’re buying a ride during the coronavirus.
-
United Community Bank loans review
Large for a community bank — but not without a personal touch.
-
What cars are made in America?
Check out the top 50 American car models, and find out what makes them American.
-
CarMax used-car financing review
Same-day online application with preapproval — and up to three days to return your loan.
-
New SBA Recovery Sector Loan program proposed – here’s how it works
The HEALS Act would create a new COVID-19 recovery loan for underserved businesses that took a hit.
-
TD Auto Finance review
Personal auto loans with multiple repayment options. But expect long hold times for customer service.
-
It just got easier to take out a payday loan you can’t afford. Here’s how to protect yourself.
Just because you can get a loan without proof of income doesn’t mean you should.
-
Car payments hit record high as prices increase — here’s how to avoid paying more than you have to
Americans borrowed an average of $1,552 more than last year to buy a car, but it’s still possible to find a good deal.
-
Car loan rates drop to lowest level in 7 years — but won’t stay that way for long
Summer could see an uptick in rates as the number of 0% APR deals drop and banks pull out of used car financing.
-
Dealerships offer car loan discounts to boost sales
Between months of deferment, 0% APR offers and other discounts, finding a deal is easier than ever.
Ask an Expert