RAM Truck Financing in Albuquerque, NM
Financing your next RAM truck is easy at Melloy Dodge in Albuquerque. Whether you're looking to buy a new RAM 1500, a RAM 2500 or 3500 Heavy Duty, or a Certified Pre-Owned RAM, our finance team is here to guide you every step of the way. We’ll help you explore low-interest auto loans, lease options, and local credit union financing to find the best fit for your budget and goals.
Should I Lease or Finance a RAM?
When deciding between leasing and purchasing a RAM, it comes down to how you plan to use the vehicle.
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Leasing a RAM usually offers lower monthly payments and a shorter commitment. It’s a great option if you enjoy driving newer vehicles every few years. Leases come with mileage limits, so it’s best for drivers who stay under 10,000–15,000 miles annually.
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Financing to own makes the most sense if you plan to drive your truck for years to come. You’ll build equity in the vehicle, and there are no mileage restrictions.
Not sure which option works best for you? We’ll help you compare RAM lease deals and financing plans side-by-side so you can make an informed choice.
What to Expect from the RAM Finance Process
Here’s what you’ll need to consider when financing a RAM:
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Down Payment: A larger down payment can reduce your monthly payments and interest.
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Credit Check: We’ll check your credit to determine eligibility and rates. We also work with customers with less-than-perfect credit.
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Monthly Budget: We’ll help you structure a payment plan that works for your lifestyle.
Our experienced finance professionals work with Stellantis Financial Services, local banks, and trusted credit unions to find the most competitive rates available. We'll also determine whether financing through Stellantis Financial qualifies you for additional incentives, or if a local credit union offers better terms.
New & Used RAM Financing
Melloy Dodge offers financing options on both new and used RAM trucks, including:
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New RAM 1500, 2500 & 3500 models
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Certified Pre-Owned RAM trucks
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Used vehicles with competitive loan rates
Our goal is to make your financing experience fast, simple, and transparent—so you can drive off in a truck you love, with a payment plan you’re comfortable with.
Why Finance at Melloy Dodge?
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Competitive rates from multiple lenders
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Flexible loan and lease terms
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Fast pre-approvals
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Local service and support throughout your ownership
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A team that listens and puts your needs first
Whether you're buying your first truck or upgrading to a heavy-duty RAM for work or towing, we’re here to help you get the deal that makes the most sense.
Ready to Finance a RAM in Albuquerque?
Call (505) 843-9600 to speak with our finance department or stop by Melloy Dodge on Coors Blvd. We’ll help you apply for financing, review your options, and get behind the wheel of the RAM truck you’ve been waiting for.