Huntsville - Decatur - Florence, AL Area Used Cars Under $40,000

2023 Lincoln Nautilus Reserve

⇩ View Seller Description

This low mileage used 2023 Lincoln Nautilus Reserve FWD SUV under 28,000 miles, a transmission, and 17 MPG, 2.0L gas engine is for sale right now below $40K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$39,798
Est. Payment:	$768.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,376
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$39,798.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,412.10
Avg. DMV Fee	363.00
Cash Sale Price	$44,885.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,885.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$768.05

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,798.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 Toyota Tacoma TRD Sport

⇩ View Seller Description

This low mileage used 2022 Toyota Tacoma TRD Sport 4X4 pickup below 47,000 miles, m transmission, and 17 MPG, 3.5L gas engine is for sale right now below $40K at North Country Ford in Arab, AL. ...View More Details

Sales Price:	$39,665
Est. Payment:	$765.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,667
Location:	Arab, AL

Item	Amount
Used Car Price⁽¹⁾	$39,665.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,397.47
Avg. DMV Fee	363.00
Cash Sale Price	$44,737.47
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,737.47
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$765.53

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,665.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Lincoln Corsair Standard

⇩ View Seller Description

This low mileage preowned 2023 Lincoln Corsair Standard FWD SUV below 14,000 miles, a transmission, and 17 MPG, 2.0L gas engine is for sale right now under $36K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$695.72 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,592
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,993.22
Avg. DMV Fee	363.00
Cash Sale Price	$40,658.22
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,658.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$695.72

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Volkswagen Atlas Peak Edition 4Motion

⇩ View Seller Description

This low mileage used 2025 Volkswagen Atlas Peak Edition 4Motion AWD SUV below 20,000 miles, a transmission, and 17 MPG, 2.0L gas engine is for sale right now under $40K at North Country Ford in Arab, AL. ...View More Details

Sales Price:	$39,410
Est. Payment:	$760.68 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,530
Location:	Arab, AL

Item	Amount
Used Car Price⁽¹⁾	$39,410.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,369.42
Avg. DMV Fee	363.00
Cash Sale Price	$44,454.42
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,454.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$760.68

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,410.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Lincoln Nautilus Reserve

⇩ View Seller Description

This low mileage used 2023 Lincoln Nautilus Reserve AWD SUV under 41,000 miles, a transmission, and 17 MPG, 2.7L gas engine is for sale right now below $40K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$39,984
Est. Payment:	$771.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	40,992
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$39,984.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,432.56
Avg. DMV Fee	363.00
Cash Sale Price	$45,091.56
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,091.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$771.58

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,984.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 72 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Ford F-150 XL

⇩ View Seller Description

This low mileage second hand 2023 Ford F-150 XL 4X4 pickup under 51,000 miles, a transmission, and 17 MPG, 5.0L flexible engine is for sale right now under $38K at North Country Ford in Arab, AL. ...View More Details

Sales Price:	$37,638
Est. Payment:	$780.09 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	51,222
Location:	Arab, AL

Item	Amount
Used Car Price⁽¹⁾	$37,638.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,174.50
Avg. DMV Fee	363.00
Cash Sale Price	$42,487.50
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,487.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$780.09

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,638.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 66 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 Lincoln Corsair Reserve

⇩ View Seller Description

This low mileage preowned 2022 Lincoln Corsair Reserve FWD SUV under 26,000 miles, a transmission, and 17 MPG, 2.0L gas engine is for sale right now below $37K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$36,990
Est. Payment:	$714.72 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,190
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,103.22
Avg. DMV Fee	363.00
Cash Sale Price	$41,768.22
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,768.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$714.72

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Ford Explorer ST-Line

⇩ View Seller Description

This low mileage second hand 2025 Ford Explorer ST-Line RWD SUV below 18,000 miles, a transmission, and 17 MPG, 2.3L gas engine is for sale right now below $37K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$36,896
Est. Payment:	$712.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,889
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$36,896.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,092.88
Avg. DMV Fee	363.00
Cash Sale Price	$41,663.88
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,663.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$712.93

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,896.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 72 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 BMW X3 xDrive30i

⇩ View Seller Description

This low mileage second hand 2023 BMW X3 xDrive30i AWD SUV under 38,000 miles, a transmission, and 17 MPG, 2.0L gas engine is for sale right now under $40K at Ray Pearman Lincoln, Inc in Huntsville, AL. ...View More Details

Sales Price:	$39,997
Est. Payment:	$771.83 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,903
Location:	Huntsville, AL

Item	Amount
Used Car Price⁽¹⁾	$39,997.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,433.99
Avg. DMV Fee	363.00
Cash Sale Price	$45,105.99
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,105.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$771.83

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,997.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2018 Lexus GX 460 Base

⇩ View Seller Description

This low mileage preowned 2018 Lexus GX 460 Base AWD SUV below 42,000 miles, a transmission, and 17 MPG, 4.6L gas engine is for sale right now under $40K at North Country Ford in Arab, AL. ...View More Details

Sales Price:	$39,596
Est. Payment:	$764.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,635
Location:	Arab, AL

Item	Amount
Used Car Price⁽¹⁾	$39,596.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,389.88
Avg. DMV Fee	363.00
Cash Sale Price	$44,660.88
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,660.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$764.21

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,596.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

Used Cars under $40,000 for Sale in the Greater Huntsville - Decatur - Florence Area

Metro Huntsville - Decatur - Florence Secondhand Used Vehicles Priced Below $40,000

2023 Lincoln Nautilus Reserve

2022 Toyota Tacoma TRD Sport

2023 Lincoln Corsair Standard

2025 Volkswagen Atlas Peak Edition 4Motion

2023 Lincoln Nautilus Reserve

2023 Ford F-150 XL

2022 Lincoln Corsair Reserve

2025 Ford Explorer ST-Line

2023 BMW X3 xDrive30i

2018 Lexus GX 460 Base

Greater Huntsville - Decatur - Florence Area Cities with Used Cars for Sale Below $40K

Metro Huntsville - Decatur - Florence Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Huntsville - Decatur - Florence Area

Metro Huntsville - Decatur - Florence Secondhand Used Vehicles Priced Below $40,000

2023 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2023 Lincoln Nautilus Reserve Car Loan Estimate

2022 Toyota Tacoma TRD Sport

Toyota Tacoma TRD Sport

2022 Toyota Tacoma TRD Sport Car Loan Estimate

2023 Lincoln Corsair Standard

Lincoln Corsair Standard

2023 Lincoln Corsair Standard Car Loan Estimate

2025 Volkswagen Atlas Peak Edition 4Motion

Volkswagen Atlas Peak Edition 4Motion

2025 Volkswagen Atlas Peak Edition 4Motion Car Loan Estimate

2023 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2023 Lincoln Nautilus Reserve Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2022 Lincoln Corsair Reserve

Lincoln Corsair Reserve

2022 Lincoln Corsair Reserve Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

2018 Lexus GX 460 Base

Lexus GX 460 Base

2018 Lexus GX 460 Base Car Loan Estimate

Greater Huntsville - Decatur - Florence Area Cities with Used Cars for Sale Below $40K

Metro Huntsville - Decatur - Florence Area Counties with Used Cars for Sale Below $40,000

Customize Payments

Find Financing

Customize Payments