Gilbert, AZ Used SUVs Under $40,000 |with Payments|

2026 Ford Explorer Active

⇩ View Seller Description

This low mileage used 2026 Ford Explorer Active RWD SUV under 4,000 miles, a transmission, and 35 MPG, 2.3L gas engine is for sale right now below $39K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$38,046
Est. Payment:	$741.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,294
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,046.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,309.20
Avg. DMV Fee	532.00
Cash Sale Price	$43,316.20
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	$43,316.20
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$741.21

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,046.00. 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.

2021 Ford Bronco Outer Banks

⇩ View Seller Description

This low mileage second hand 2021 Ford Bronco Outer Banks 4X4 SUV under 5,000 miles, a transmission, and 35 MPG, 2.7L gas engine is for sale right now under $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,802
Est. Payment:	$774.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,680
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,802.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,505.87
Avg. DMV Fee	532.00
Cash Sale Price	$45,268.87
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	$45,268.87
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$774.62

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,802.00. 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.

2021 Ford Bronco Outer Banks Advanced

⇩ View Seller Description

This low mileage used 2021 Ford Bronco Outer Banks Advanced 4X4 SUV below 50,000 miles, a transmission, and 35 MPG, 2.7L gas engine is for sale right now below $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,986
Est. Payment:	$834.91 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,396
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,986.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,526.48
Avg. DMV Fee	532.00
Cash Sale Price	$45,473.48
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	$45,473.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$834.91

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,986.00. 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 66 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.

2025 Ford Explorer ST-Line

⇩ View Seller Description

This low mileage preowned 2025 Ford Explorer ST-Line RWD SUV below 13,000 miles, a transmission, and 35 MPG, 2.3L gas engine is for sale right now below $39K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$38,589
Est. Payment:	$751.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,878
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,589.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,370.02
Avg. DMV Fee	532.00
Cash Sale Price	$43,920.02
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	$43,920.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$751.54

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,589.00. 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.

2021 BMW X7 xDrive40i

⇩ View Seller Description

This average mileage used 2021 BMW X7 xDrive40i AWD SUV below 73,000 miles, a transmission, and 35 MPG, 3.0L hybrid engine is for sale right now under $38K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$37,951
Est. Payment:	$937.77 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	73,257
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,951.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,298.56
Avg. DMV Fee	532.00
Cash Sale Price	$43,210.56
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	$43,210.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$937.77

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,951.00. 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 54 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE Hybrid SEL AWD SUV under 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $40K at Earnhardt Hyundai San Tan in Gilbert, AZ. ...View More Details

Sales Price:	$39,163
Est. Payment:	$762.46 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,163.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,434.30
Avg. DMV Fee	532.00
Cash Sale Price	$44,558.30
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	$44,558.30
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$762.46

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,163.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

Sales Price:	$39,138
Est. Payment:	$761.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,138.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,431.50
Avg. DMV Fee	532.00
Cash Sale Price	$44,530.50
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	$44,530.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$761.98

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,138.00. 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.

2026 Hyundai SANTA FE SEL

⇩ View Seller Description

This low mileage used 2026 Hyundai SANTA FE SEL FWD SUV under 0,000 miles, a transmission, and 35 MPG, 2.5L gas engine is for sale right now under $37K at Earnhardt Hyundai San Tan in Gilbert, AZ. ...View More Details

Sales Price:	$36,341
Est. Payment:	$708.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,341.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,118.24
Avg. DMV Fee	532.00
Cash Sale Price	$41,420.24
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	$41,420.24
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$708.76

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,341.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SANTA FE Hybrid SEL FWD SUV under 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $38K at Earnhardt Hyundai San Tan in Gilbert, AZ. ...View More Details

Sales Price:	$37,372
Est. Payment:	$728.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,372.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,233.71
Avg. DMV Fee	532.00
Cash Sale Price	$42,566.71
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	$42,566.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$728.38

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,372.00. 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.

2026 Hyundai SANTA FE Hybrid SE

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SANTA FE Hybrid SE AWD SUV below 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $37K at Earnhardt Hyundai San Tan in Gilbert, AZ. ...View More Details

Sales Price:	$36,547
Est. Payment:	$712.68 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,547.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,141.31
Avg. DMV Fee	532.00
Cash Sale Price	$41,649.31
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	$41,649.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$712.68

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,547.00. 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.

Used SUVs under $40,000 for Sale in Gilbert, AZ

Gilbert, AZ Secondhand Used SUVs Priced Below $40,000

2026 Ford Explorer Active

2021 Ford Bronco Outer Banks

2021 Ford Bronco Outer Banks Advanced

2025 Ford Explorer ST-Line

2021 BMW X7 xDrive40i

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE SEL

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SE

Used SUVs under $40,000 for Sale in Gilbert, AZ

Gilbert, AZ Secondhand Used SUVs Priced Below $40,000

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2021 Ford Bronco Outer Banks

Ford Bronco Outer Banks

2021 Ford Bronco Outer Banks Car Loan Estimate

2021 Ford Bronco Outer Banks Advanced

Ford Bronco Outer Banks Advanced

2021 Ford Bronco Outer Banks Advanced Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2021 BMW X7 xDrive40i

BMW X7 xDrive40i

2021 BMW X7 xDrive40i Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai SANTA FE SEL

Hyundai SANTA FE SEL

2026 Hyundai SANTA FE SEL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SE

Hyundai SANTA FE Hybrid SE

2026 Hyundai SANTA FE Hybrid SE Car Loan Estimate

Customize Payments

Find Financing

Customize Payments