Can I Afford a Ram 1500?

Leasing can be a smart way to drive a brand-new Ram 1500 while keeping your monthly payments lower. Instead of paying for the full cost of the truck, you're only covering the depreciation over the lease term, usually 24 to 36 months. That often means lower upfront costs and smaller monthly payments compared to financing. Leasing also gives you the chance to drive a newer model with the latest features, such as the Uconnect infotainment system, advanced safety technology, and premium interiors, without committing to a long-term purchase. At Dick Scott CDJR, we often have lease specials that make stepping into a newer Ram 1500 more affordable than you might expect, especially on popular trims like the Big Horn or Laramie.

If you'd rather own your truck outright, financing is the way to go—and we've got options to fit just about any budget. At Dick Scott CDJR, we work with a wide network of lenders to help secure competitive interest rates, and we're happy to tailor loan terms that work for you—whether that's a shorter term with quicker payoff or longer terms for lower monthly payments. Qualified buyers can sometimes get rates as low as 0% APR on select new Ram 1500 models, and we frequently offer cash incentives or bonus cash to help lower the overall price. Even if your credit isn't perfect, our finance team can guide you through your options and help you get into a truck you love without stress.

Used Ram 1500s offer serious value, especially when you consider how well these trucks hold up over time. Known for their durability, powerful engines like the 5.7L HEMI V8 or the fuel-efficient 3.0L EcoDiesel can continue to perform well past 100,000 miles with proper maintenance. When you shop used at Dick Scott CDJR, you're getting access to trucks that have been thoroughly inspected and often come with vehicle history reports. Choosing used lets you step up to a higher trim or more features—like leather seats, upgraded wheels, or a towing package—while paying less than you would for new.

The Ram 1500 Tradesman is the base trim, but don't let that fool you—it's still loaded with value. With standard features like a 3.6L Pentastar V6 engine with eTorque mild hybrid technology, push-button start, rear backup camera, and a durable vinyl interior, it's a perfect workhorse without the extra cost. For drivers who prioritize capability over luxury, this trim delivers the job with a towing capacity of up to 7,730 lbs. and a maximum payload of around 2,000 lbs., depending on the configuration. Plus, base trims typically cost thousands less than higher-end versions, which can make ownership far more accessible, especially if you're financing or paying cash.

Got a vehicle you're ready to part with? That trade-in can go a long way toward your down payment or help reduce the total amount you finance. At Dick Scott CDJR, we offer quick and competitive trade appraisals—often the same day—and you can even get started online. These include military bonuses, first-responder incentives, or returning lessee cash, which can sometimes save you thousands. The trick is knowing what's available and when, and that's exactly where our team comes in to help guide you.

No matter how you plan to pay, there's a Ram 1500 out there with your name on it—and we'd love to help you find it. Whether you're leasing to keep things flexible, financing to build long-term value, or exploring our solid lineup of used trucks, Dick Scott CDJR is here with honest advice and plenty of inventory to choose from. Let's sit down, run the numbers, and make owning a Ram 1500 easier than you ever thought possible. If you want to get started today, all you need to do is use the form below!