Cash and financing! Still have my 95 Chevy Z71 with 360K on original drive line, yah lately when attempting to pass at 70mph it downshifts and slows down. Also I don't wash the mud off cause then the rust will fall off. I did sell a 2006 Ford F150 4X4, Crew that I bought from my daughter and son-in-law, two years ago, only 57K on the 5.4 Triton. Good truck as far as that goes, smooth, quiet. Did not feel like 14mpg highway and 10 towing was worth the money. Was looking for a retirement truck, truthfully GM, known quantity, but still rated 23mph highway. Test drove the RAM three months ago just to see how the ED ran and check out the space and ride quality of the newer RAM bodies. So pleasantly pleased and some discounted price even for 20K mile truck that we did not test drive a GM at the dealer next door. Some minor issues all handled under Warranty, except 5w-40 oil TSB, going in tomorrow for the intermittent dome light function, still impressed. Worst fuel mileage was 22.5 average. Still a little shocked about maintenance cost but hopefully I will be able to leverage the fuel mileage savings. The Ford was my only non GM truck which I have a history of driving for many years and miles so for this RAM to impress me this much is saying a lot. HP, Torque, fuel mileage, Cab space, road noise or lack thereof are all amazing. Like some other posters once the drive train warranty is up there definitely will be a d and j diesel oil cooler, maybe a programmer will be in order. Not much for exhaust I am kinda liking no noise. Already installed bed cover.