New 2018 ram 2500/ warranty questions.

[tidefan1967]

I've always told what my payments are and interest rate. I got pre approved through navy federal credit union for 66k at 6.44% for 84 months. Comes out to 982 a month. I'm paying 985. No trade in.

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Not knocking you at all but that's the largest monthly payment I've ever heard of in all my days on earth. Unless your credit is bad I think you could still do better on the interest rate.

 

[Rsteph]

My opinion only, but I don't believe there is such a thing as a "good loan", whether for a vehicle or whatever. Well, unless you luck out and get a 0% interest manufacturer loan (I had one of those on my 2013 F-150 when I bought it new...it was a Ford finance thing.) Still, they (loans) are what they are. It took me many years to finally get to the point that I could pay cash for my new (leftover) 2018 2500 Laramie CTD. I always say, though, that regardless of your deal and how you make it work, if you're happy in the end, and can actually handle the end result financially, then you did good.

 

[michael harpe]

Not knocking you at all but that's the largest monthly payment I've ever heard of in all my days on earth. Unless your credit is bad I think you could still do better on the interest rate.

At the time I got the financing credit was 696. Best score I have ever had. I was 18 and ignorant of credit and ruined mine from the start. Took a long time to fix it. I'm ok with the payment cause I can afford it, even if it is astronomical.

I also agree there isnt any good loan. And the 0% apr financings still get you over a 1000 payment. Granted there is no interest but ouch lol.

I love the truck and am happy everytime I drive it until I have to spend 50 bucks to fill it up. Then I'm not so happy. In about 4 years I plan to be nomading and should have the truck paid off if not almost paid off. Then I'll just have the trailer payment lol

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[tidefan1967]

At the time I got the financing credit was 696. Best score I have ever had. I was 18 and ignorant of credit and ruined mine from the start. Took a long time to fix it. I'm ok with the payment cause I can afford it, even if it is astronomical.

I also agree there isnt any good loan. And the 0% apr financings still get you over a 1000 payment. Granted there is no interest but ouch lol.

I love the truck and am happy everytime I drive it until I have to spend 50 bucks to fill it up. Then I'm not so happy. In about 4 years I plan to be nomading and should have the truck paid off if not almost paid off. Then I'll just have the trailer payment lol

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You could probably save $50 a month or more on an amount that large with a better interest rate.

 

[JoeCo]

You could probably save $50 a month or more on an amount that large with a better interest rate.

I agree, it never hurts to know your options, checking with a bank or credit union regarding refinancing could be well worth the time it takes to do so. I financed my 17 at the dealer I bought it from, fully planning to refinance when I got back home. Had a 750 credit score, dealer "got me" a 5.62% rate, my credit union refinanced me at 2.75%. Payment is over $60 less a month now, and vehicle will be paid off in the same amount of time.

 

[Stacey Power]

I bought my 2018 3500 4x4 SRW Diesel Laramie in february, I put half $$ down and got the rest 0% for 3 yrs! Then I bought an extended warranty on my own 8 yrs/85000 for $1800. I'm a happy camper.

 

[Floyd1979]

I will look into the mopar bumper to bumper warranty once i get this one canceled. I did finance but did put money down and always try to pay off my vehicles early. I always put extra on my payments and pay lump sums when I get my bonuses. But my question is about

check with Chrysler Direct on Mopar warranties , buy direct through them and save some cash