2020 ordering?

[Rich]

1.14% on 36 months, got the email 3 days ago, didn't see anything on 60. Unfortunately I'm going to have to stick with Chrysler capital or whatever there best is at the time as that's what I agreed to but whatever way I do it isn't going to matter much. Going to pay it off in 15 months any only pay 450 total interest pd an that's at 4.03%. Obviously there extra involved. Going to do a 1x extra payment of 25k an then put an extra 200 a month on payment.

Found it, 2.89 for 60 with penfed

 

[Rich]

Ok, here's is both Chrysler financing options until the 30th
Chrysler Capital APR (20AL1C)

1. 0.0% APR for 36 months
2. 2.9% APR for 48 months
3. 3.9% APR for 60 months
4. 5.9% APR for 72 months

• Applies to select new 2020 Ram 3500.

Offer only valid 3/03/2020 through 4/30/2020
or
Chrysler Capital Prime Standard Retail Rates

1. 4.03% APR for 24 months
2. 4.03% APR for 36 months
3. 4.03% APR for 39 months
4. 4.03% APR for 42 months
5. 4.03% APR for 48 months
6. 4.03% APR for 60 months

• Applies to select new 2020 Ram 3500.

Offer only valid 4/09/2020 through 4/30/2020
not sure what the big new 4.03 over all plans is about, there's no advantage there over previous plan an both have same ending date. I'm just wondering if that 4.03 is a fat finger mistake, just don't make any sense to come out with a new plan that's worse than your current plan

 

[Rich]

Just did some research on the deferred payments for 90 days an there's a couple catches of course.
#1: 3500 HD is excluded from deal
#2: interest is accrued from date of purchase, he'll to the no, even if they did offer it for the 3500. I ain't no sucka

 

[@JC]

Rich, if you're paying it off in 15 months anyway why wouldn't you just get the 0% for 36 and not pay any interest?

 

[Rich]

Rich, if you're paying it off in 15 months anyway why wouldn't you just get the 0% for 36 and not pay any interest?

To be honest, I've got commitment issues an I don't want to commit to the 1100 a month. We were planning on taking a 1x 25k amount from our retirement anyway an since this whole covid thing, there is no penalty for the rest of the year on early retirement withdrawals. Also, my dealer said to get all the rebates I couldn't take the 0%. Deal. An that the 3.9 for 60 was a few thousand in rebates for me, were on the 0% I wouldn't get those. Did that make sense. Maybe someone can explain it better on the exact specifics

 

[Brutal_HO]

Rich, if you're paying it off in 15 months anyway why wouldn't you just get the 0% for 36 and not pay any interest?

To be honest, I've got commitment issues an I don't want to commit to the 1100 a month. We were planning on taking a 1x 25k amount from our retirement anyway an since this whole covid thing, there is no penalty for the rest of the year on early retirement withdrawals. Also, my dealer said to get all the rebates I couldn't take the 0%. Deal. An that the 3.9 for 60 was a few thousand in rebates for me, were on the 0% I wouldn't get those. Did that make sense. Maybe someone can explain it better on the exact specifics

You don't get to use any rebates if you take the 0% deals. Give up 10k+ (more in Rich's case) to save $450 of interest. LOL.

Get a big fat discount, rebates, incentives, and a low rate on a loan and pay it off early. Win.

Plan to take 401k early distributions at 59.5 and instead get raped by the economy due to global pandemic and delay that plan - I can still comfortably deal with the payment. - Win

 

[Rich]

You don't get to use any rebates if you take the 0% deals. Give up 10k+ (more in Rich's case) to save $450 of interest. LOL.

Get a big fat discount, rebates, incentives, and a low rate on a loan and pay it off early. Win.

Plan to take 401k early distributions at 59.5 and instead get raped by the economy due to global pandemic and delay that plan - I can still comfortably deal with the payment. - Win

Thanks man, that's exactly what I was trying to say. I got real lucky with our finances, well i shouldn't say lucky, just an unfortunate blessing. Got sick an had to leave an retire from work. Luckily we always put alot in 401 k an were on super aggressive, when I had to leave work we rolled it into iras an high int. savings an started playing it safe since I couldn't contribute anymore. Not to long after that stocks over seas started tanking an if we were still aggressive we would of lost 3/4 Of a life savings. Just an unfortunate situation happening at the right time.

 

[@JC]

What rebates, that's my point, there aren't any rebates on 2020s.

 

[lovegolf44]

Ok, here's is both Chrysler financing options until the 30th
Chrysler Capital APR (20AL1C)

1. 0.0% APR for 36 months
2. 2.9% APR for 48 months
3. 3.9% APR for 60 months
4. 5.9% APR for 72 months

• Applies to select new 2020 Ram 3500.

Offer only valid 3/03/2020 through 4/30/2020
or
Chrysler Capital Prime Standard Retail Rates

1. 4.03% APR for 24 months
2. 4.03% APR for 36 months
3. 4.03% APR for 39 months
4. 4.03% APR for 42 months
5. 4.03% APR for 48 months
6. 4.03% APR for 60 months

• Applies to select new 2020 Ram 3500.

Offer only valid 4/09/2020 through 4/30/2020
not sure what the big new 4.03 over all plans is about, there's no advantage there over previous plan an both have same ending date. I'm just wondering if that 4.03 is a fat finger mistake, just don't make any sense to come out with a new plan that's worse than your current plan

Terrible rates.

 

[Rich]

guys, i got to stand with brutal on this one. I probably should of asked more questions from my salesman on this issue but I did ask him 3x an he kept saying if I went with the 0% that I would miss out on or around 4k in rebates. An like he said just give the dealership 3-4 months to get there kick backs from the financing an they won't look crooked if i pay it off before they get there kick back. I haven't caught him lying to me yet anyway but yes i know they are salesman.

 

[Rich]

Terrible rates.

How many different languages can we post the words "terrible financing " in

 

[Rich]

I got to post this little thing, my wife fell in love with it as she likes to be bop around on something smaller than the big boy. It reminds her of the old Subaru baja. Drum roll please....... the RAM 700 , yes half of the 1500.

 

[lovegolf44]

How many different languages can we post the words "terrible financing " in

Ya lost me. Your point?

 

[Rich]

Ya lost me. Your point?

Didn't really have a "serious" point, just trying to start a fun little viral trend, figured we all needed something to not take so seriously in this crazy time

 

[GTMF]

My turn to vent lol
Seems like the longer I wait the less excited this whole thing becoming and more frustrating ugh!

I ordered 2020 3500 Mega Cab with Ho Cummins, Black, Night edition, Laramie Level 2, Towing Technology group, Bed utility group, Clearance Lamps, Power Deployable steps, 12inch screen, Bucket seats, Wireless charger, and truck is SRW.
I already have RDS tank 45gallon also Spiked lug nuts, Nitto Ridge Grapplers 35x12.5R20LT and Tis Wheels 20x10 -25, B&W Drop hitch for lifted trucks, and (Many more plans!)

 

[Rich]

My turn to vent lol
Seems like the longer I wait the less excited this whole thing becoming and more frustrating ugh!

I ordered 2020 3500 Mega Cab with Ho Cummins, Black, Night edition, Laramie Level 2, Towing Technology group, Bed utility group, Clearance Lamps, Power Deployable steps, 12inch screen, Bucket seats, Wireless charger, and truck is SRW.
I already have RDS tank 45gallon also Spiked lug nuts, Nitto Ridge Grapplers 35x12.5R20LT and Tis Wheels 20x10 -25, B&W Drop hitch for lifted trucks, and (Many more plans!)

Can't wait to see some pics of that baby when you get her decked out.

 

[1FastHemi]

My turn to vent lol
Seems like the longer I wait the less excited this whole thing becoming and more frustrating ugh!

I ordered 2020 3500 Mega Cab with Ho Cummins, Black, Night edition, Laramie Level 2, Towing Technology group, Bed utility group, Clearance Lamps, Power Deployable steps, 12inch screen, Bucket seats, Wireless charger, and truck is SRW.
I already have RDS tank 45gallon also Spiked lug nuts, Nitto Ridge Grapplers 35x12.5R20LT and Tis Wheels 20x10 -25, B&W Drop hitch for lifted trucks, and (Many more plans!)

I feel your pain pain!

Ordered mine back in November, a day or two after Thanksgiving and it has had a ton of delays and I still have yet to get it. Hopefully it will be here soon.

 

[Bozo]

You don't get to use any rebates if you take the 0% deals. Give up 10k+ (more in Rich's case) to save $450 of interest. LOL.

Get a big fat discount, rebates, incentives, and a low rate on a loan and pay it off early. Win.

Plan to take 401k early distributions at 59.5 and instead get raped by the economy due to global pandemic and delay that plan - I can still comfortably deal with the payment. - Win

With no lube either!

 

[GTMF]

I feel your pain pain!

Ordered mine back in November, a day or two after Thanksgiving and it has had a ton of delays and I still have yet to get it. Hopefully it will be here soon.

Omg That's last year, I Shouldn't even complain lol
My b-day is tomorrow, I really hoped my truck would be here but i guess thats not happening

 

[Rich]

I feel your pain pain!

Ordered mine back in November, a day or two after Thanksgiving and it has had a ton of delays and I still have yet to get it. Hopefully it will be here soon.

every time I'm reminded of stories like yours, it makes me feel like a whiny little %/+@#. No comment is needed or wanted tyvm.