Looking for a tough, dependable truck without the big price tag? A RAM lease might be just what you need. Whether you need a truck for work, family, or weekend fun, RAM trucks are known for power and style. Leasing gives you the chance to drive a brand-new vehicle with lower monthly payments. But, just like any deal, it comes with pros and cons.
In this guide, we’ll walk through the common problems people face when leasing a RAM 1500, RAM 2500, or RAM 3500, and offer easy solutions to help you get the most out of your lease.
Common Problems People Face With RAM Lease Deals
Monthly Payments Feel Too High for Budget
Leasing a RAM truck can seem pricey if you’re not sure how the lease is set up. Some models, like the RAM 2500, come with more features and a bigger engine, which can bump up the cost.
Solution: To lower your monthly payments, look for deals from Stellantis or your local RAM dealer. They often have rebates or special leasing offers. Choosing a base trim or model with a high resale value can also help bring the cost down.
Limited Mileage Restrictions Are a Dealbreaker
Most RAM lease agreements come with mileage caps—usually 10,000 to 15,000 miles per year. That can be tough if you drive a lot for work or travel.
Solution: Ask about high-mileage leases. Some dealerships offer plans with up to 20,000 miles per year. You can also buy extra miles at the beginning, which is usually cheaper than paying for them at the end.
RAM Lease Doesn't Include Maintenance or Repairs
Leasing a truck doesn’t always mean you’re covered for routine service. That means oil changes, tire rotations, and unexpected repairs could be out of pocket.
Solution: Many dealers offer maintenance packages when you lease a RAM 1500 or RAM 2500. Look for “wear-and-tear” protection or ask about adding basic maintenance to your monthly payment.
Lease Terms Are Too Long or Too Short
Some people feel stuck with their lease term. If it’s too long, you’re stuck in a truck you don’t love. If it’s too short, you might not feel like it’s worth it.
Solution: Most RAM leases are 24, 36, or 48 months. Talk to the dealer about your lifestyle. A shorter lease gives you more freedom, while a longer lease usually means smaller monthly payments.
Hard to Switch or Upgrade Mid-Lease
Let’s face it—life changes. Maybe you need a bigger truck, or maybe your job situation has shifted. Ending a lease early can come with fees.
Solution: Ask about RAM pull-ahead programs. Some dealers will let you switch to a new lease early without penalties. Lease transfer programs are another option—someone else takes over your lease, and you move on.
Solutions to Make the Most of Your RAM Lease
Take Advantage of RAM Incentives and Specials
RAM trucks, especially the RAM 1500, often come with big-time offers. These can include low APR leases, bonus cash, or loyalty rewards.
Solution: Check the official RAM Trucks website or visit a local RAM dealer to see what’s available. Offers change monthly, so it pays to time your lease right.
Choose the Right RAM Model for Your Needs
Not every RAM truck is built the same. Some are made for work, while others are perfect for the daily drive.
Solution: If you’re just cruising to work and back, the RAM 1500 Big Horn or Laramie might be plenty. Need towing power? Step up to the RAM 2500 or 3500. Matching your truck to your needs will keep your lease stress-free and your payments lower.
Compare Leasing vs. Financing a RAM
Leasing sounds easy, but is it really better than buying?
Solution: Do the math. If you plan to keep the truck long-term, financing might make more sense. But if you love driving new models and don’t want to worry about resale, leasing can save you money upfront and over time.
Understand Your Lease Agreement Before Signing
A lease is a contract, and some details can cost you later.
Solution: Read the fine print. Look for things like:
- Mileage limits
- End-of-lease wear-and-tear fees
- Extra charges for early returns
Ask your dealer to explain anything that’s unclear. A good deal should feel simple and fair.
Use Tax Deductions for Business Leases
Do you use your RAM truck for work? Good news—your lease might qualify as a business expense.
Solution: If you're self-employed or run a small business, you may be able to deduct lease payments, gas, and maintenance. Check with a tax pro or look up IRS Section 179 for full details.
When RAM Lease May Not Be the Best Option
If You Plan to Keep the Truck Long-Term
Leasing is short-term. If you love keeping your ride for years, leasing might not be for you.
Problem: At the end of the lease, you give the truck back or buy it at the residual price.
Solution: Consider financing your RAM 1500 instead. You’ll build equity, and after a few years, the truck is yours—no more payments.
If You Use Your Truck for Heavy-Duty Work
Work trucks get worn fast—dents, scratches, and long hours on the road.
Problem: Lease contracts may charge fees for extra wear and tear.
Solution: If you’re using a RAM 2500 or 3500 for job sites or towing, buying might be the safer bet. Or ask about commercial lease programs that offer more flexible terms.
If You Struggle with Credit
Leases usually need decent credit. Lower scores can mean higher rates—or no approval.
Problem: Not everyone qualifies for a lease with a low credit score.
Solution: Ask about second-chance lease programs or look into special finance offers through Chrysler Capital or other lenders.
Final Thoughts: Is a RAM Lease Right for You?
Leasing a RAM truck—whether it’s a RAM 1500, 2500, or even the rugged TRX—can be a smart move if you want lower payments, regular upgrades, and fewer repair worries. But it’s not for everyone. High-mileage drivers, heavy-duty users, and long-term truck lovers may want to think about buying instead.
The good news? There’s a RAM lease or deal out there for almost every need. Talk to your local RAM dealer, read the lease terms carefully, and match your truck to your lifestyle. That way, you’ll stay in control, stay on budget, and drive off with a truck that works just as hard as you do.