Ram 1500 Big Horn Financing Erie PA

Financing, also known as buying, allows you to borrow money from a financial institution to purchase a vehicle, with repayment spread out over monthly installments. Once the loan is fully paid off, you own the vehicle outright. A financing plan typically considers four key factors: the vehicle’s total cost, your credit score, the interest rate, and the loan term. The vehicle’s total cost determines the loan amount, which can be reduced by making a down payment at the time of purchase. Your credit score significantly impacts the interest rate; lower credit scores often result in higher rates as lenders take on greater risk. Reviewing your credit score before applying for financing is a smart step. Loan terms generally range from 36 months, for a quicker payoff, to 84 months, for lower monthly payments, with 72 months being a common choice. Financing offers advantages such as unlimited mileage, flexibility in choosing where to service your vehicle, and the ability to customize it with aftermarket parts and accessories to suit your style and needs.

Another way to get behind the wheel of a Ram 1500 Big Horn is through leasing. Unlike financing, where you borrow money to purchase the vehicle, leasing involves borrowing the truck itself and making monthly payments. These payments are often lower than those for financing, as they’re based on the vehicle’s depreciation during the lease term rather than its full price. Lease agreements are structured around three main factors: the lease term, mileage limit, and monthly payment. Most leases range from 12 to 48 months. Chrysler Capital, Ram’s leasing partner, offers flexible mileage options to suit different driving needs, including 10,000, 12,000, and 15,000 miles per year. Lease terms often end before the factory warranty expires, meaning most required routine maintenance is covered with minimal cost to you. Additionally, GAP (Guaranteed Asset Protection) insurance is included in the monthly payment, providing peace of mind by covering the vehicle’s value in case of a total loss. When your lease ends, you have several options: return the vehicle, extend the lease by six months, or purchase the Ram 1500 Big Horn by paying its remaining value outright or through financing.

The Ram 1500 Big Horn is designed with form and function equally in mind. Powered by a standard 3.6L V6 engine offering 305 horsepower, the Big Horn offers plenty of muscle for everyday driving or towing. You can also choose the new Hurricane engine, delivering 420 horsepower with a 3.0L twin-turbocharged straight-six powertrain. While rear-wheel drive comes as standard equipment, 4×4 is also available to maximize traction when it becomes limited. For features, the Big Horn stands out with its unique chrome accents on the grille, badges, and alloy wheels. Its sophisticated look is further enhanced by body-color front and rear bumpers, body-color fender flares, and front LED fog lights. Standard cabin features for the Big Horn include a leather-wrapped steering wheel, premium cloth upholstery, and a Big Horn badge on the passenger side of the dashboard. The Big Horn is also eligible for a range of options from heated seats and a 12-inch touchscreen to 20-inch wheels and four corner air suspension, and much more!

Leasing or financing a Ram 1500 Big Horn with us offers flexibility and options to suit your needs, whether you prefer the long-term benefits of ownership or the affordability and convenience of leasing. With customizable plans, competitive rates, and expert support, Humes Chrysler Jeep Dodge Ram is here to help you find the perfect solution. Ready to take the next step? Explore our Ram 1500 inventory online, and use the contact form below to connect with our sales team. We’re here to answer your questions and guide you toward driving home in a Ram 1500 Big Horn that fits your lifestyle and budget!