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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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
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
Ram offers trucks and commercial vans. For other builds, you can check out Dodge or Chrysler — both are sister brands under the Fiat Chrysler Automobiles (FCA) US label.
Yes, Chrysler Capital offers financing for certified preowned (CPO) Ram trucks. But if you’re not looking for a CPO vehicle, you’ll need to compare used car loans from a bank, credit union or online lender.
Kellye Guinan is a freelance editor and writer, specializing in consumer lending. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. She holds degrees in anthropology and German language and literature from Middle Tennessee State University.
If you’re in the market for a car don’t miss out on this guide to buy a car, get all the info you need and a range of loans to help you get into your car sooner.
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