2019-2021 used (DS generation)
$78,000Earliest NZ-new DS-generation 1500 examples, mostly Laramie trim on 5.7 HEMI. Watch Ram Trucks Australia service-history continuity.
Weekly
$356.42
Monthly
$1,544.49
Ram model
Ram 1500 finance calculator
The volume NZ Ram, pitched at 4,500 kg tow and GST-registered business buyers.
Last reviewed: 23 April 2026
The Ram 1500 is the volume NZ Ram nameplate, sold in Laramie and Limited trim on the 5.7-litre HEMI V8 petrol drivetrain with 48V eTorque mild-hybrid assist, with newer-generation RHO high-output and 1500 REV battery-electric variants joining through 2024 and 2025. The 1500 carries a genuine 4,500 kg braked tow capacity on most NZ-spec variants, which places it ahead of any mainstream mid-size ute and explains the commercial and marine-operator buyer pool. Finance applications cluster with GST-registered businesses running chattel mortgage structures through the Ateco-affiliated NZ dealer channel.
Your estimated repayment
Weekly
$731/week
$1,462 /fortnight $3,168 /month
$160,000
$0
7.00% p.a.
5 years
We are not a finance company. Indicative only. Not a quote or offer of credit. Actual rates, fees, and repayments depend on your circumstances and the lender's decision.
Year by year
1500 prices and repayments, by era.
Typical NZ market prices and the weekly cost of financing each. All figures assume 7% over 5 years with no deposit. Indicative only; open the full calculator to pre-set your own rate and term.
2022-2023 used (early DT generation)
$115,000Current DT platform. Laramie and Limited trims common, eTorque mild-hybrid as standard.
Weekly
$525.49
Monthly
$2,277.14
2024 near-new (DT facelift)
$150,000Refreshed interior and tech. Limited trim volume builds. Remanufactured right-hand drive through Melbourne.
Weekly
$685.43
Monthly
$2,970.18
2025+ new (DT + REV/RHO)
$180,000Current Ateco-network NZ dealer pricing. REV battery-electric and RHO high-output variants enter the range.
Weekly
$822.51
Monthly
$3,564.22
Who this suits
Who buys a Ram 1500?
- Marine-services operators and civil contractors towing 3,500-plus kg regularly who need the structural capacity a Ranger or Hilux cannot credibly deliver.
- Rural lifestyle property owners on 5-plus acre holdings using the truck for horse floats, livestock crates, or caravan and boat tow across long distances.
- Enthusiast-commercial buyers upgrading from a Ranger Raptor or Hilux Rogue where cabin space and tow headroom matter more than fuel economy.
- Fleet operators (2 to 5 trucks) wanting chattel-mortgage or finance-lease structures where the GST reclaim and interest deductibility offset the purchase premium.
Financing notes
What financing a 1500 usually looks like.
At $150,000 over a 5-year chattel mortgage at an indicative 8.5%, the weekly lands around $709, or $3,075 a month. Shortening to 4 years pushes the weekly up to around $829 but cuts total interest by roughly 25%. The GST reclaim on an NZ-new 1500 Limited is around $23,480 on a $180,000 purchase, which is worth modelling into the first-year cash position before focusing on the weekly.
Model-specific questions
Ram 1500 finance FAQ.
Should I finance a Ram 1500 personally or through my business?
If the Ram 1500 is primarily a work vehicle and you are GST-registered, a business-finance structure (chattel mortgage or finance lease) almost always beats a personal loan. A chattel mortgage on a $180,000 Limited reclaims around $23,480 of GST, makes the interest deductible, and lets you depreciate the asset at IRD rates. Personal finance loses all three. The break-even question is whether business use clears the 80% bar IRD and most accountants apply.
How does the Ram 1500 HEMI compare to a Ford F-150 or Chevrolet Silverado on finance?
All three sit in the specialist full-size American pickup category at NZ lenders and draw similar rates through asset-finance channels. Ram and Silverado both remanufacture right-hand drive through the same Walkinshaw-partner Melbourne facility, which gives lenders comparable residual data. F-150 runs through RMA (Ford's NZ-authorised remanufacture channel) with its own paperwork. On rate, the three are typically within half a percentage point; structure and documentation usually matter more than brand choice on this ticket size.
Can I finance a Ram 1500 REV battery-electric variant?
Yes, on NZ-new applications through most mainstream and specialist asset-finance lenders, typically at the EV loan tier which lands 0.5 to 1.5 percentage points below the standard premium secured-car rate. Used-market residual data on the REV is genuinely absent in 2026, so lenders cap loan-to-value tighter and may limit the maximum term to 5 years. Confirm EV tier eligibility by name at quote time because criteria on newer BEV pickups evolve quickly.
A formal estimate on a Ram 1500.
Our finance partner compares multiple NZ lenders. Calculator inputs travel through to the application, and the partner returns a formal estimate after the lender's credit assessment.