Incentives vs zero interest

[mrut]

I'm a bit confused about the incentive offers from Ram. If I take the incentives, does that mean I can't also use the 0% interest financing? Or can only some of the incentives be used with the financing deal?

Thanks,

Rut

 

[Thekidcasual]

Only dealer discount can be used for the 0%
If you’re looking to pay less all togther go incentives if you have negotiating skills or if you’re looking for lower monthly payment thru th full term 0%

 

[User_3336]

Only dealer discount can be used for the 0%
If you’re looking to pay less all togther go incentives if you have negotiating skills or if you’re looking for lower monthly payment thru th full term 0%

PARTIALLY INCORRECT!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! But it depends on the trim level, but since the OP didn't specify the trim level he was looking for, your statement would be incorrect.

This is from a 2021 Big Horn 4x4 Example.
Clearly shows you can take the 0% *AND* get $3750 as well. OR You can take the FULL cash allowance of $5000.
The same finance cash is included in the cash rebate but there is a another $1250

2021 National Retail Consumer Cash 21CM1

 

[Snofire]

^^^ Yep what he said. Best way to figure out what incentives you can get is talking with a dealer or RamChat.

 

[Rupp]

I got both 0% and 8,000 off on my new Ram at Fayetteville Dodge in Fayetteville, TN.

 

[UnloosedChewtoy]

Sometimes its one or the other, sometimes its a mix, and sometimes you can get both. Depends on the deal at the time, as others have stated.

My father bought a leftover 2015 in 2015, getting both full incentives (plus dealer discount) and 0%.

 

[mrut]

Ok. Thx for the info. I was looking at the BigHorn trim

 

[BooShaker]

Does anyone know if you can use the $1,000 email bonus cash with the 0%?

 

[Snofire]

Does anyone know if you can use the $1,000 email bonus cash with the 0%?

I was told you can use the 1000 with the 0% APR. it's an addon bonus

 

[TravisJ]

Does anyone know if you can use the $1,000 email bonus cash with the 0%?

Yup! Did it Saturday

 

[JoeCo]

So just for some clarity on my order that I just placed a few days ago, on a 2021 longhorn:
msrp: 70,995
discounted to 61,454
rebates: 1,750
penfed: 1,000
tread lightly: 500
Making the total price before fees/taxes $58,204

If I were to opt for the 0% what do I lose? I know the rebate of $1,750 which isn't very much, what else would I lose otherwise?

 

[louscrw]

I got a $1000 with 0% 2 weeks ago. For me, 0% was better, not much better, but better. My final OTD price was $62,145. At 2.14% for 60 months (penfed rates), that’s about $3,439 in interest. At 2.49% for 72 months (penfed), that was about $4,800 in interest. In the end, 0% seemed like a better deal.

Here‘s a good amortization calculator: https://www.amortization-calc.com/auto-car-loan-calculator/