Get the truck you've always wanted or the commercial vehicle that will take your business up a notch with Ram financing from Main Motorcar. Our Johnstown, New York finance center can make it happen with auto financing customized for the way you live and work. From auto loans with low rates to a Ram lease with low monthly payments, our team has the knowledge and experience to create the Ram financing plan that works best for you. Give our finance center a call today to learn more about our Ram financing solutions and incentives in Johnstown, NY.

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(518) 762-3183

Finance Department

The Basic Components of an Auto Loan from Main Motorcar

Down Payment: This is how much cash you pay upfront for your car and is calculated as a percentage of the overall price of the car. Generally, the higher the down payment, the lower your monthly payments will be.


Interest Rate: Also known as the A.P.R. (Annual Percentage Rate), the interest rate is the money you pay a lender to borrow their money. Your credit score, the current market rate, the loan term, and the size of your loan impact your interest rate. The lower the interest rate, the lower your monthly payment.

Loan Term: This is how frequently and long you will be paying your loan. Typical loan terms consist of monthly payments made for 3-5 years. The longer your loan terms, the lower your monthly payment will be.

Find a Ram Model to Buy
Johnstown, NY | Gloversville, NY | Amsterdam, NY

Looking for your next Ram 1500 or Ram ProMaster? Discover flexible Ram financing options at Main Motorcar. The Ram 1500 is a powerful full-size truck and sports super-comfortable seats and a quiet ride, along with exceptional towing and hauling capacity. The commercial lineup at our Johnstown, NY dealership features the brawny Ram 3500, equipped with technology to make any job easy to tackle, and the Ram 4500 Chassis Cab, offering impressive torque and stopping power. Need a cargo van you can configure to your needs? Check out the versatile new Ram ProMaster, as well as the Ram ProMaster City. Easy to load, easy to park, easy to love, you can't go wrong with a Ram cargo van. Learn more about the complete Ram model lineup and apply for auto financing online today.

How to Apply for Ram Financing at Main Motorcar

At Main Motorcar, we have solutions for every financial situation, from earning rewards toward auto repair financing with a DrivePlus Mastercard to affordable Johnstown, NY Ram loans and lease options. View our new Ram inventory online or visit our dealership for more information on the auto financing process.

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Dealership Hours
Mon - Thurs7:45am - 7:00pm
Fri7:45am - 6:00pm
Saturday9:00am - 3:00pm