Financing a new Ram 1500 at Johnson & Sons Co Inc. in Wisconsin Rapids, Wisconsin, can be a straightforward experience when you explore your options from the start. Whether you prefer the flexibility of a lease or the long-term benefits of ownership, understanding your choices helps make the process smooth and stress-free. Our specialists work closely with you to review available programs, find competitive terms, and design a payment structure that aligns with your budget. Stop by our dealership to learn about current Ram 1500 financing offers and start planning your next truck.
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Finance Department
The Basic Components of an Auto Loan from Johnson & Sons Co.
Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.
Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.
Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.
Lease or Buy: Choose the Best Option
Your decision between leasing and financing depends on how you plan to drive your Ram 1500 and what financial goals you want to achieve.
Benefits of Leasing
- Often lower monthly payments compared to standard financing
- Regular chances to upgrade to newer Ram 1500 models
- Warranty coverage may reduce out-of-pocket maintenance costs
Benefits of Financing
- Complete ownership once the loan is paid off, with the potential for long-term value
- No mileage restrictions, which is ideal for frequent or extended driving
- Flexibility to personalize or enhance your truck however you like
Our auto finance department will walk you through both options and help you choose the one that best fits your lifestyle.
Explore Ram 1500 Trim Levels
Before finalizing your financing plan, it is important to select the trim and features that suit your needs. A few popular options include:
- Ram 1500 Tradesman: A practical choice with essential capability and advanced safety technologies
- Ram 1500 Laramie: A comfortable interior with premium finishes and innovative technology
- Ram 1500 Limited: A top-tier configuration with luxury features and advanced driver-assist systems
Schedule a test drive at Johnson & Sons Co Inc to experience this truck firsthand and move one step closer to securing a Ram 1500 financing in Wisconsin Rapids, WI.
Start Your Ram 1500 Financing Journey
When you're ready to take the next step toward Ram 1500 financing in Wisconsin Rapids, WI, Johnson & Sons Co Inc. makes the process simple. Use our online resources to estimate your monthly payments, value your trade-in, or complete a pre-approval application before you stop by. With a financing plan tailored to your goals, getting into the driver's seat of a capable Ram 1500 is closer than you think. Our team is excited to help you make it happen!
Apply for Ram 1500 Financing
