2019-2021 used
$130,000Fourth-gen facelift and fifth-gen early trucks. Mostly Laramie trim on 6.7 Cummins. Confirm Ram Trucks Australia provenance.
Weekly
$594.04
Monthly
$2,574.16
Ram model
Ram 2500 finance calculator
Heavy-duty Cummins-powered pickup for 4,500-plus kg tow operators.
Last reviewed: 23 April 2026
Your estimated repayment
Weekly
$891/week
$1,782 /fortnight $3,861 /month
$195,000
$0
7.00% p.a.
5 years
Apply for a formal estimate
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.
Ram 2500 finance calculator Not a lender. Not a broker. Financing a Ram 2500 in New Zealand
The Ram 2500 is the heavy-duty Ram in New Zealand, powered by the 6.7-litre Cummins turbo-diesel straight-six and pitched squarely at operators who tow above 4,500 kg regularly. It sits above 3.5 tonnes gross vehicle mass in NZ specification, which moves the truck into the heavy-RUC band at approximately $96 per 1,000 km and changes the licensing and driver-licence conversation depending on GVM configuration. NZ-new volume is small by Ranger or Hilux standards but concentrated in civil contracting, agricultural, and marine buyer pools where tow capacity is the non-negotiable.
Calculate repaymentsIndicative only. Not a quote or offer of credit.
Year by year
2500 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
$170,000Current-gen NZ-new. Laramie and Limited trims available. Remanufactured right-hand drive through Melbourne.
Weekly
$776.82
Monthly
$3,366.20
2024 near-new
$200,000Most recent refresh. Improved infotainment and towing tech. Ex-demo supply through Ateco-network dealers.
Weekly
$913.90
Monthly
$3,960.24
2025+ new
$215,000Current Ateco-network NZ dealer pricing. Cummins 6.7 diesel remains the signature drivetrain.
Weekly
$982.44
Monthly
$4,257.26
Who this suits
Who buys a Ram 2500?
- Civil contractors running 4,500-plus kg trailered plant (excavators, rollers, wacker trucks) where the HEMI 1500 or a mainstream ute no longer has the headroom.
- Marine operators towing multi-hull and larger sportfishing boats across longer NZ distances where the Cummins torque profile matters.
- Horse and livestock transport operators pulling multi-horse floats or larger livestock crates on regional roads.
- Rural business buyers on larger properties who can justify the purchase and running-cost premium against real commercial tow kilometres.
Financing notes
What financing a 2500 usually looks like.
At $200,000 across a 4-year chattel mortgage at an indicative 8.75%, the weekly lands around $1,135, or $4,920 a month. A 5-year term drops the weekly to around $968 but adds roughly $7,500 in total interest. GST reclaim on a $200,000 NZ-new 2500 is around $26,100, which materially improves first-year business cash position and is worth modelling alongside the weekly.
Model-specific questions
Ram 2500 finance FAQ.
Does the Ram 2500 need a heavy-vehicle driver licence in New Zealand?
It depends on the specific truck and any trailer combination. A standard NZ-spec Ram 2500 in single-rear-wheel configuration typically sits under 4,500 kg GVM and can be driven on a Class 1 car licence, though GCM with a trailer can push past 6,000 kg and require a Class 2 heavy-vehicle licence. Dual-rear-wheel 3500 variants cross the 4,500 kg GVM threshold more readily. Confirm the specific truck's GVM and your intended GCM before finance, because licensing affects insurance too.
How does Road User Charges work on a Ram 2500 Cummins compared to a diesel Ranger?
The Ram 2500 Cummins in most NZ specifications sits above 3.5 tonnes GVM, which moves it into the heavier RUC band at approximately $96 per 1,000 km rather than the $76 per 1,000 km rate a diesel Ranger pays. At 25,000 km a year that's around $500 a year more in RUC alone, compounding across the loan term. The heavier RUC band into the weekly cost rather than assuming Ranger RUC economics translate.
Can I finance a Ram 2500 imported privately from Australia?
Yes, in many cases, provided the truck was remanufactured to right-hand drive through an Australian facility with complete paperwork and has cleared NZ entry compliance. Specialist asset-finance lenders will consider it, but expect a slightly tighter loan-to-value cap (80%) and a term ceiling of 4 years compared to an NZ-new Ateco-channel truck. Without documented remanufacturing and compliance paperwork, most NZ lenders will decline outright.
Is a RAM 2500 usually financed as a business vehicle?
Frequently, because most of them are bought to tow for a living. Where the truck is mainly a business asset, a chattel mortgage is often the better structure than a consumer loan, and which one applies is confirmed with an accountant before applying.
A formal estimate on a Ram 2500.
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.