Ram Financing: Flexible Options for Every Driver

Ram financing makes getting behind the wheel of your favorite truck easier than ever. Whether you’re interested in purchasing a new Ram 1500 or a heavy duty, or are looking at leasing offers, there are many options available. At Melloy Dodge, we provide financing solutions tailored to fit your needs, so you can drive away with the truck you want. Let’s explore the Ram financing options available to help make your dream vehicle a reality.

Why Choose Ram Financing?

Choosing Ram financing provides several benefits to suit your financial situation. Working with a local dealer, you can find plans that meet your needs without the hassle. Here are a few reasons why financing with Ram might be the best choice:

• Flexible Payment Plans: Ram financing offers flexible plans that make it easy to spread out payments comfortably. Our finance team will help you determine if financing through the manufacturer, Stellantis, allows you to take advantage of more rebates, or if one of our credit union partners has better rates. However you choose to finance, we’ll help you find the payment that fits your budget.
• Competitive Interest Rates: With competitive interest rates, you can ensure that you get a finance offer that won’t break the bank.
• Personalized Options: Financing is tailored to each customer’s unique needs, offering options like purchasing or leasing.

Ram Lease vs. Purchase: Which Is Right for You?

Deciding between leasing and purchasing your next Ram vehicle can be difficult. Understanding the pros and cons of each option can help you make an informed decision.

• Leasing Benefits: Leasing a Ram, like a 2024 Ram, means you’ll have lower monthly payments compared to buying. You can also enjoy driving a new vehicle every few years without worrying about resale value. If you drive 10,000 to 12,000 miles a year, this is a great option. Higher mileage may make it more attractive to purchase. We’ll show you the difference in a monthly payment as well as all the incentives available for purchasing a new Ram.
• Purchasing Benefits: Purchasing through Ram financing gives you complete ownership of the truck. This means no mileage limits, and you can customize your Ram 1500 however you like.

Ram Financing Process: What to Expect

Getting started with Ram financing is simple and straightforward. Melloy Dodge makes it easy for you to find the best financing deal.

• Credit Check: The process begins with a credit check, which helps determine the best financing terms for you.
• Application: You can fill out an application either in person or online, making the process convenient.
• Approval: Once your application is reviewed, you’ll receive various options that best suit your financial situation.

Benefits of Financing Through a Local Dealer

Financing through a local dealer, such as Melloy Dodge, offers several benefits that make the experience smoother and more convenient.

• Personalized Service: You receive personal attention to find the best Ram financing or lease deals.
• Easier Communication: Local dealers provide a direct point of contact if you have questions or concerns about your financing. We’re also here after the sale to service your vehicle or answer any questions.
• Community Support: Financing locally helps support your community while also making the car-buying process more manageable.

Frequently Asked Questions About Ram Financing

Q: What types of financing options are available for Ram vehicles?

A: Ram offers several financing options, including traditional loans and lease deals. Traditional loans let you spread out payments over a set term, giving you full ownership at the end. Lease deals allow you to drive a Ram for a few years with lower monthly payments, making it a great option if you enjoy upgrading often.

Q: Can I finance a used Ram vehicle?

A: Yes, Melloy Dodge offers financing for both new and used Ram vehicles. Whether you’re interested in a new 2025 Ram or a certified pre-owned model, financing options are available to help you get the truck you want.

Q: How do I know if I qualify for Ram financing?

A: Your eligibility depends on factors like your credit score, income, and down payment. Melloy Dodge offers an easy pre-qualification process to help you determine which Ram financing options are right for you.

Ready to Get Started With Ram Financing?

If you’re ready to drive away in your dream truck, Melloy Dodge is here to help. Our team can guide you through the Ram financing process, whether you’re looking to lease or buy. Contact Melloy Dodge today at (505) 843-9600 to learn more about available financing options and schedule your test drive. You’ll find us at 9621 Coors Blvd NW in Albuquerque, just north of Paseo del Norte.