# Signed- \[cpo\] 2025 Ram 1500 Laramie - 36mo balloon at $0 DAS $449/mo **URL:** \ **Category:** Signed Deals & Tips\ **Tags:** nj, truck, ram\ **Created:** [August 16, 2025, 3:24am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257 "2025-08-16T03:24:05Z")\ **Posts on this page:** 19\ **Page:** 1
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [August 16, 2025, 3:24am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/1 "2025-08-16T03:24:05Z")
Sharing my latest used balloon loan deal. This replaces my Ford Lightning XLT. I found this unit using visor.vin, I just went down the leaderboard, for my make/model/trim, until I found the best fit. This unit was #4 best priced in the nation and below the adjusted MMR. Compared to a new unit, I had Mark D/J/R quote a lease on a leftover 2025 Laramie, at a 12% dd, and it was over $700/mo. Compared to Ford, a F-150 XLT lease is about $150/mo more, yet the Laramie is equipped better. Other options I considered- A used Ram 1500 Classic would have been cheaper, but no. A used Ram 2500 Bighorn would be about the same, but I found it too big during a test drive. **Vehicle:** Used 2025 Ram 1500 4WD Crew Cab Laramie (Certified Pre-Owned) Miles at purchase: 10,050 Options: Hurricane 6C, diamond black paint, sport + level 1 package, spray-in bedliner, all weather mats. Original MSRP: $68,510 Purchase price: $44,900 MMR: $45,100 (for reference) Fees: $422 **Program:** Estimated Retail Value: $69,410.00 Amount financed: $45,322.00 Residual Value: $36,510 (estimated) 36mo, 7500 miles per year, 5.59% APR $0 DAS $449/mo (I had a trade-in which wiped out my tax obligation and transferred registration) When I arrived for delivery, I was surprised to learn it was a CPO. This was not advertised, nor did it appear on the carfax, but the dealer provided me all the proper documentation. It has bumper to bumper coverage for 25 of the 36 months and drivetrain warranty to 7yr/100k miles. Historically, these have held value well, when they had the Hemi. Not sure if I will keep to term, and return, or try to exit early. Keeping my options open, given the market response to the Hurricane. Here is a rough LH [calculator](https://calculator.leasehackr.com?make=Ram&miles=7500&msrp=69410&sales_price=44900&months=36&mf=0.00233&msd=0&dp=0&dealer_fee=387&acq_fee=0&disp_fee=195&taxed_inc=0&untaxed_inc=0&rebate=0&resP=52.6&gov_fee=35&sales_tax=0&demo_mileage=0&memo=2025%2520Ram%25201500%2520Laramie%25204x4%2520Crew%2520Cab%25205%E2%80%997%22%2520Box&tradein=0&fin_sp=69120&fin_taxed_fee=0&fin_untaxed_fee=0&fin_term=60&fin_apr=0&fin_dp=0&fin_rebate=0&fin_ps_rebate=0&fin_tax=0&keep_term=60&exp_rv=0&service_fee=0&zero_driveoff=true&totalLeaseTax_radio=true&bmw_demo_25=true&lease_result_mode=true&dealerFee_check=false&govFee_check=false&pretax_monPmt=449&lease_das=0). ![image](https://leasehackr-assets.b-cdn.net/original/3X/7/e/7e6caa122d04740f1a39459571155f8d2d22d948.jpeg) ![image](https://leasehackr-assets.b-cdn.net/original/3X/a/c/ac6c364726f548b2f6fe2195fcf7f492aaa684ab.png) More on balloon loans [here](https://forum.leasehackr.com/t/better-than-a-lease-a-non-captive-balloon-loan-primer/415297). ---
**Author:** ![holeydonut](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/holeydonut/32/146662_2.png) [@holeydonut](https://forum.leasehackr.com/u/holeydonut)\ **Post date:** [August 16, 2025, 9:38pm UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/2 "2025-08-16T21:38:17Z")
EVHackr is now ICEHackr Welcome back to the Light Side… even if your truck is black. ---
**Author:** ![theduke](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/theduke/32/148661_2.png) [@theduke](https://forum.leasehackr.com/u/theduke)\ **Post date:** [August 18, 2025, 1:56pm UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/3 "2025-08-18T13:56:03Z")
How do you like the S.O. hurricane so far? I found it to be pretty nice to drive. Maybe a little less low end grunt than the hemi but other than that not too bad. ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [August 18, 2025, 9:16pm UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/4 "2025-08-18T21:16:54Z")
> [@theduke](#): > > How do you like the S.O. hurricane so far I’m really enjoying it so far. Coming from the Lightning’s EV drivetrain, I was afraid it would be a big step down, but this Hurricane is smooth. Plenty of power and very quiet. I averaged close to 24mpg during my first 800-mile trip and had over 520 miles of range. Of course, it’s missing the furious sounds of the Hemi (or any sound), but that’s a known going in. Looking forward to my first towing opportunity. Also curious about the JB4 tune that adds 104hp on pump gas. > [@holeydonut](#): > > EVHackr is now ICEHackr It seems like balloonHackr is the next evolution, only conceding some uses cases to ICE after-all. ![image](https://leasehackr-assets.b-cdn.net/original/3X/d/7/d7dc17207223590a804e9361c4c49d852b22761e.jpeg) This is still my least favorite part. ---
**Author:** ![holeydonut](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/holeydonut/32/146662_2.png) [@holeydonut](https://forum.leasehackr.com/u/holeydonut)\ **Post date:** [August 18, 2025, 9:24pm UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/5 "2025-08-18T21:24:25Z")
Dude that’s $3.20 a gallon. What are you complaining about? It’s well over $5 here in California. ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [October 11, 2025, 1:41am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/6 "2025-10-11T01:41:25Z")
Better pictures with all the needed accessories now- ![image](https://leasehackr-assets.b-cdn.net/original/3X/e/9/e92914bcdcd2303185025010b86f919fb946147e.jpeg) ![image](https://leasehackr-assets.b-cdn.net/original/3X/2/d/2d46b0c6e091ea7225410861f519b4d651a94214.jpeg) Next some proper truck tires. ---
**Author:** ![Patrick941](https://leasehackr.b-cdn.net/letter_avatar/patrick941/32/5_5575768a8748004e209b776fc1b2916d.png) [@Patrick941](https://forum.leasehackr.com/u/Patrick941)\ **Post date:** [October 11, 2025, 10:10pm UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/7 "2025-10-11T22:10:33Z")
Are the balloon loans possible/optimal for negative equity transactions? For example, when using the AFG calcs on the credit union sites, if I have $5k negative equity is it essentially just $5k addition to the purchase price? or will they not want to fund a deal with negative equity? This is an interesting option im surprised ive never looked into considering how much I trade vehicles. Unfortunately got caught out on this one and have 5-10k neg. equity ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [October 12, 2025, 12:37am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/8 "2025-10-12T00:37:49Z")
> [@Patrick941](#): > > Are the balloon loans possible/optimal for negative equity transactions? Back when rates were 2%, it was popular to carry over negative equity into a balloon. Even at current market rates (5%) it’s still plausible, but you need to find the right combination of estimate retail value and residual value. Generally, AFG will lend up to 100% of the Nada book value for the vehicle, sometimes up to 125%. You would just need to keep your total amount financed below this limit. However, some credit unions offer rate discounts for better LTVs, which you could loose with a large carry-over. Each situation is unique. ---
**Author:** ![Patrick941](https://leasehackr.b-cdn.net/letter_avatar/patrick941/32/5_5575768a8748004e209b776fc1b2916d.png) [@Patrick941](https://forum.leasehackr.com/u/Patrick941)\ **Post date:** [October 12, 2025, 12:40am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/9 "2025-10-12T00:40:40Z")
interesting. I’ve been reading through your thread about the loans for a while now and have become obsessed, naturally, with looking for my next vehicle already. Is there any real downside on going with a longer term like 60/72? it seems most go 24/36. Im sure holding it to maturity at the longer terms it may make sense to just finance at that point but the proposition of lowest payment possible and then selling it early, or worst case scenario turning it back at the end, is enticing. what would your opinion be on the longer terms ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [October 12, 2025, 1:15am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/10 "2025-10-12T01:15:45Z")
Longer terms can make sense where the vehicle holds value well and you plan to exercise an out sometime before you get to the end of the actual term. Especially a quick out… I’ve used longer terms with Model S and Jeep Wrangler; in both cases I paid less then market value and sold after only a few months. I’ve seen others use it for Corvettes and Raptors. But the longer you hold, the more likely traditional financing would have been superior. ---
**Author:** ![Patrick941](https://leasehackr.b-cdn.net/letter_avatar/patrick941/32/5_5575768a8748004e209b776fc1b2916d.png) [@Patrick941](https://forum.leasehackr.com/u/Patrick941)\ **Post date:** [October 12, 2025, 1:17am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/11 "2025-10-12T01:17:16Z")
Thanks for the info! a raptor is actually what I am looking at coincidentally ---
**Author:** ![holeydonut](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/holeydonut/32/146662_2.png) [@holeydonut](https://forum.leasehackr.com/u/holeydonut)\ **Post date:** [October 17, 2025, 3:53am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/12 "2025-10-17T03:53:09Z")
Niiiiiice the dude finally ditched his electrified avatar and went with his true calling. ICE Balloons. ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [November 24, 2025, 4:03am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/13 "2025-11-24T04:03:35Z")
Another ICE vehicle joins the fleet. Would have had to charge 3 times getting this w/ the Lightning. ![image](https://leasehackr-assets.b-cdn.net/original/3X/2/6/26f8f94eff9e93bfc1b996b432344971f7bb4c85.jpeg) ---
**Author:** ![JustMeezy](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/justmeezy/32/210317_2.png) [@JustMeezy](https://forum.leasehackr.com/u/JustMeezy)\ **Post date:** [January 22, 2026, 12:30am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/14 "2026-01-22T00:30:08Z")
Nice ride man. Would it still be possible to get this type of deal? I’ve never had a leased vehicle myself before, and wondering how I should go about trying to find something similar. Thanks man ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [March 20, 2026, 2:08am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/15 "2026-03-20T02:08:19Z")
![image](https://leasehackr-assets.b-cdn.net/original/3X/f/b/fb8f3157f52edaee1e10a516e152862f61f068d5.jpeg) Do I take the exit?? I was 45,322.00 OTD 9 months and 5000 miles ago. Almost $2K in positive equity now. Ram MMR trend ![image](https://leasehackr-assets.b-cdn.net/original/3X/a/9/a97e7e5f06f801bf1481cea5858f3d027351764f.png) ---
**Author:** ![jsingh5292](https://leasehackr.b-cdn.net/letter_avatar/jsingh5292/32/5_5575768a8748004e209b776fc1b2916d.png) [@jsingh5292](https://forum.leasehackr.com/u/jsingh5292)\ **Post date:** [March 20, 2026, 2:15am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/16 "2026-03-20T02:15:24Z")
Take it!!! ---
**Author:** ![holeydonut](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/holeydonut/32/146662_2.png) [@holeydonut](https://forum.leasehackr.com/u/holeydonut)\ **Post date:** [March 20, 2026, 2:21am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/17 "2026-03-20T02:21:52Z")
As long as you don’t go back to a EV truck. ---
**Author:** ![Restaurantman](https://leasehackr.b-cdn.net/letter_avatar/restaurantman/32/5_5575768a8748004e209b776fc1b2916d.png) [@Restaurantman](https://forum.leasehackr.com/u/Restaurantman)\ **Post date:** [March 22, 2026, 2:31am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/18 "2026-03-22T02:31:56Z")
What banks are best for balloons? ---
**Author:** ![z0lt3c](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/z0lt3c/32/240006_2.png) [@z0lt3c](https://forum.leasehackr.com/u/z0lt3c)\ **Post date:** [March 22, 2026, 3:11am UTC](https://forum.leasehackr.com/t/signed-cpo-2025-ram-1500-laramie-36mo-balloon-at-0-das-449-mo/705257/19 "2026-03-22T03:11:05Z")
I’m currently using [Payment Saver | CapEd](https://capedcu.com/loans/vehicle-loans/payment-saver/) You can check the balloon thread for other recommendations: > [@Better Than a Lease? A Non-captive Balloon Loan Primer](https://forum.leasehackr.com/t/better-than-a-lease-a-non-captive-balloon-loan-primer/415297): > > The purpose of this wiki is to consolidate noncaptive balloon loan guidance and help the community better understand this alternative financing option. Anybody, with proper trust levels, can edit this wiki and contribute additional content. Why Consider a Non-captive Balloon Loan A traditional balloon loan combines features of a lease, such as low payments based on a residual value, with features of a loan, such as direct ownership. This type of financing is sometimes offered by captive lender…