Financing with Our Ramsey Auto Group Dealerships
Ramsey Auto Group takes the stress out of auto financing. From advice on whether to buy or lease to finding the best rates available, our finance team will work with you every step of the way to craft finance terms that work for your lifestyle and budget.
Get the best possible deal with our financing options here at Ramsey Cars
Finding a car you like is the first big step toward driving away satisfied. Fortunately, with our selection of Mazda, Nissan, Jeep, Volvo and Alfa Romeo models and used cars for sale here at Ramsey Cars, that part is only too easy. The next big step is determining which financing options are right for you. Luckily, that part is pretty easy as well here at our Ramsey dealership. With staff on hand to help you find the right car payment plan and great relationships with local banks and lenders, there's almost no obstacle to getting you a great deal here at Ramsey Cars.
We Make it Easy!
Should You Buy or Lease Your New Ramsey Vehicle?
Whether you should finance, or lease depends on a few factors. A lease carries a lower monthly payment and is under warranty for the duration of the term. And, at the end of the term, you can upgrade to a new model; so, it's a great option if you like always having access to the latest automotive technologies and features. However, it's important to consider that a lease has mileage limits. And, because you won't own the car, you aren't able to make major modifications. With a loan, payments are a little higher, but the car is yours; so, you're paying into equity and can make changes to your heart's content.
Get the Ball Rolling on Financing Your Next Car in Ramsey
When you're ready to drive your next car home, the experts at Ramsey Cars are standing by to help demystify the process. We can answer any questions that you may have, or if you're ready to put us to work for you now, simply fill out our online credit app. That way, we can hit the ground running, and you'll be one step closer to owning your next car.
Flexible Credit Options
Ramsey Cars can help you get into the new or used vehicle you deserve. With monthly specials, factory offers, and competitive rates, we go the extra mile to give you the options that work for your lifestyle.
Frequently Asked Questions
Deciding between leasing and buying your next vehicle is a key step, and the best choice often hinges on your individual needs and budget. Leasing at Ramsey Auto Group can offer lower monthly payments and the opportunity to drive a new model more often, though mileage and customization options are typically limited. Opting for a traditional auto loan allows you to build equity and enjoy your vehicle without those restrictions, which can be more cost-effective in the long run. Let our team at Ramsey Auto Group help you weigh the pros and cons and find the financing solution that perfectly fits your lifestyle!
At Ramsey Auto Group, we understand that loan terms are a key factor in your car buying decision. While we'll tailor a deal to your budget, you'll generally find that most car loans fall within the 48 to 72-month range. Keep in mind that longer financing periods usually mean lower monthly payments, but you'll accrue more interest over time. 1 We're here to help you weigh the pros and cons and choose the right loan term for you.
Yes, absolutely! At Ramsey Auto Group, we understand that past credit challenges happen. We've helped many customers with various credit histories explore their financing options and find solutions that work for them. Our finance team has strong relationships with a variety of lenders and is skilled at finding opportunities for those with less-than-perfect credit. Let us take a look at your situation – you might be surprised at what's possible.
Yes, in many cases at Ramsey Auto Group, you can finance a vehicle without needing a down payment. We're here to work with your individual situation, and we can also include taxes, registration, and fees in your financing if that's the best option for your budget.
Ready to begin?
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Ramsey Cars
436 State Rt 17
RAMSEY, NJ 07446
- Sales: 1-800-NJ-CARS-1
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Ramsey Subaru
905 Route 17 South
Ramsey, NJ 07446
- Sales: 201-327-0070
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Volvo Cars Ramsey
585 Route 17s
Ramsey, NJ 07446
- Sales: 551-303-6829
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RAMSEY NISSAN
401 State Route 17 South
Upper Saddle River, NJ 07458
- Sales: 201-825-4040
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Ramsey Mazda
436 Rte. 17 North
Ramsey, NJ 07446
- Sales: 2018254444
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Ramsey Chrysler Jeep Dodge Ram
1555 Rte 17 S
Ramsey, NJ 07446-2810
- Sales: 201 818 9600
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Ramsey Alfa Romeo
365 Route 17
Upper Saddle River, NJ 07458
- Sales: 2012581550
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Ramsey FIAT
365 Route 17 South
Upper Saddle River, NJ 07458
- Sales: (201) 258-1550
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Ramsey Infiniti
535 State Rt 17
Ramsey, NJ 07446
- Sales: 800-852-8117
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