Keep your truck with Ram lease buyout financing
Ram 1500, 2500, 3500, ProMaster — Ram builds trucks people depend on for work and towing, and those are exactly the trucks worth keeping. Ram lease buyout financing pays your Stellantis payoff and puts the title in your name, with Champion Auto Finance coordinating lenders across every credit tier.
Why Ram owners buy out their lease
Trucks earn their keep — and a truck that already fits your job, your trailer, and your routine is hard to replace.
Full-size and heavy-duty pickups depreciate slowly and stay in demand, so the residual value Stellantis set at signing can sit below what your Ram now brings on the used market. Buying it out lets you keep a truck configured exactly how you need it — the right cab, bed, engine, and towing package — while avoiding a new acquisition fee, over-mileage charges, and wear billing on a vehicle that does real work. Champion Auto Finance is not a lender — we structure your deal and match it to qualified lenders. New to buyouts? Start with our lease buyout financing overview.
How the Ram / Stellantis payoff works
Ram, like Jeep, Dodge, and Chrysler, is part of Stellantis (the group formed from Fiat Chrysler and PSA), so there is no standalone “Ram Financial.” Its leases run through Stellantis’s captive arrangements. For years the customer-facing program has been Chrysler Capital, operated with Santander, while Stellantis has expanded Stellantis Financial Services as its captive lender. Check the lender name on your statement — that company issues your payoff.
Confirm the lender and its policies. Your statement and lease agreement name the entity holding the contract. Request your buyout quote from that specific company, and confirm current buyout and third-party-purchase policies, since Stellantis has adjusted its programs over time.
The Ram lineup and buyout value
Ram 1500
The volume half-ton, praised for ride and interior — steady resale makes buying the residual an easy call for many.
Ram 2500 & 3500
Heavy-duty trucks built for towing and payload; strong work demand keeps used values firm.
ProMaster
A cargo van that businesses upfit and rely on — buying out avoids re-outfitting a replacement.
Over-mileage trucks
If you’re past your cap, the buyout sidesteps per-mile overage charges you’d owe on return.
What to have ready
- Your written payoff/buyout quote from Chrysler Capital or Stellantis Financial Services
- Vehicle details — VIN, year, model, cab/bed configuration, and current mileage
- Proof of income and identity (sometimes residence and insurance)
- The lender’s buyout instructions, including who may complete the purchase and how funds are remitted
Depending on your state, sales tax, title, and registration can often be financed into the loan rather than paid separately at closing.
Financing the buyout with Champion
- Get your payoff Pull the buyout figure from your Stellantis-side lender.
- Apply Send us the payoff, VIN, and basic financial details.
- We match a lender Your deal is shopped across prime and non-prime tiers.
- Review clear terms Rate, term, and payment in plain language.
- Funded The lender pays the payoff and the Ram is yours.
Ram lease buyout financing FAQs
Who finances Ram truck leases?
Ram is a Stellantis brand, so most Ram leases are written through Stellantis’s captive financing arrangements — Stellantis Financial Services and, for many years, the customer-facing Chrysler Capital program (operated with Santander). Your payoff comes from whichever entity is named on your statement.
Where do I find my Ram lease payoff amount?
Log in to the account portal for the lender on your bill — Chrysler Capital or Stellantis Financial Services — or call their customer service line and request a written buyout quote with a good-through date. It reflects your residual plus any purchase-option fee and applicable taxes.
Is there a purchase-option fee on a Ram lease?
Many Stellantis lease contracts include a purchase-option fee that applies when you buy the truck. The exact amount is stated in your lease agreement — confirm the current figure with your leasing company rather than relying on an estimate.
Does towing or heavy use make a buyout smarter?
It often does. Work trucks accumulate miles and wear, and returning a Ram over its mileage cap can mean per-mile overage charges plus wear billing. Buying it out at the residual sidesteps both, which for many owners tips the decision toward keeping the truck.
Can Champion finance a Ram 2500 or 3500 buyout?
Yes. Heavy-duty Rams hold value well thanks to strong work and towing demand, and a buyout is often more approachable than a new purchase because the truck’s value is already set. We coordinate across multiple credit tiers, subject to lender underwriting.
Ready to finance your lease buyout?
Tell us about your vehicle and payoff amount. We’ll coordinate a clear, transparent approval — from application to funding.
Apply Now →