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2022 Ram HD Builds and orders - Post and discuss your TRUCK order here! ** NEW USERS READ POST #1 **

DZ2112 said:
Ok so I am signing the paper’s tomorrow. My credit is in the high 8’s and I’m going 84 month. I will not keep the truck but for most likely 3 years. Lowest apr they are saying is 3.99. Has anyone gotten a lower rate? Also one thing I noticed was I was always able to tell the limited’s with out badging , by the door handles. Always had that nice strip of metal. But my 2022 doesn’t have that. Is this because the night edition?
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I’m in the same boat and just applied yesterday through my credit union (check is good for 90 days). My APR is 2.99
 
tyler2you said:
I believe once Ram Chat provides an ETA, that indicates it has been loaded on a railcar. Doesn't mean it's left yet however.
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I can second that. I got my “ETA” update from Ram Chat then reached out for clarification on the dealer end. Took a little digging, but was able to find that my build (and [mention]P.A. [/mention])was put on a car that was sitting in MX on the 22nd.

It didn’t cross into TX until yesterday morning.


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DZ2112 said:
Ok so I am signing the paper’s tomorrow. My credit is in the high 8’s and I’m going 84 month. I will not keep the truck but for most likely 3 years. Lowest apr they are saying is 3.99. Has anyone gotten a lower rate? Also one thing I noticed was I was always able to tell the limited’s with out badging , by the door handles. Always had that nice strip of metal. But my 2022 doesn’t have that. Is this because the night edition?
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That is the same rate as I got for 84 month, from USAA.
 
gator6 said:
I need to get on this too.


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I figured 90 days was plenty of time and was excited to have the check but played it safe until I at least had a dealer ETA. The rates stayed the same over the past few months too so I didn’t lose out on anything.

Just one step closer to having it in my garage.
 
mmehlhouse said:
I figured 90 days was plenty of time and was excited to have the check but played it safe until I at least had a dealer ETA. The rates stayed the same over the past few months too so I didn’t lose out on anything.

Just one step closer to having it in my garage.
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I think USAA does the same, I think we'll try that route. Navy Fed goes out to 96, but with a score just under 8 I don't think I'll need an extra year to pay more in interest. My wife is the finance expert, so I trust her judgement... I just pick things up and put them down.
 
gator6 said:
I think USAA does the same, I think we'll try that route. Navy Fed goes out to 96, but with a score just under 8 I don't think I'll need an extra year to pay more in interest. My wife is the finance expert, so I trust her judgement... I just pick things up and put them down.
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They go up to 96, but checked and those rates are quite high compared to others.

1648430757314.png
 
gator6 said:
I think USAA does the same, I think we'll try that route. Navy Fed goes out to 96, but with a score just under 8 I don't think I'll need an extra year to pay more in interest. My wife is the finance expert, so I trust her judgement... I just pick things up and put them down.
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I looked into them as well but their lowest rate for 96 was in the 5’s. My wife just starred at me with disappointment when I suggested that as an option.
 
mmehlhouse said:
I looked into them as well but their lowest rate for 96 was in the 5’s. My wife just starred at me with disappointment when I suggested that as an option.
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Yes, they like to get their money…and up front at that. I’ll wade through some options and see what I come up with.


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gator6 said:
You get an ETA yet?


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@gator6 .... Sorry for the radio silence on this end. My youngest had her state archery tournament this weekend and her middle school team qualified for nationals!

I did email Sandi and per her usual punctual self, got back to me the same day! She said that Whitey was released for shipping on the 19th and was still waiting for a train ticket. For those here who were wondering, the train ride has been taking about a month to Port Allen. She suggested that I get back to her in a couple weeks to see if it caught a train ride and if so, she would have a better idea of an ETA.

Here's hoping everyone had a great weekend and I'm off to get caught up on some reading here (looks like I've got about 8 pages on this thread)!
 
gator6 said:
We’re carmates…

b5702dc3ae11341d37fc9e55b5888c82.jpg



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Did this come from your salesperson? Because I can't imagine RamChat having this detailed/accurate information
 
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