- 1). Take the 60-day handshake plan. Dodge pays your first two monthly payments and you can return your Dodge Ram at the end of the 60 days if you are unhappy with it.
- 2). Take a shorter term for a lower interest rate. The prime interest rate for a 36-month loan is 0 percent in 2010; the prime interest rate for a 72-month loan is 4.9 percent. Be aware that your credit may not qualify you for the prime rate.
- 3). Pay a down payment if it is required. Dodge dealerships base their payment schedules on 10 percent down payments, so it is safe to assume this will be required. 10 percent of a $20,000 truck is $2,000.
- 4). Make your monthly payments.
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