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

2026 Ford Explorer Active

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This low mileage certified preowned 2026 Ford Explorer Active RWD SUV under 4,000 miles, automatic transmission, and 20 MPG, 2.3L gas engine is for sale right now under $39K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$38,963
Est. Payment:	$758.65 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,294
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,963.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,411.90
Avg. DMV Fee	532.00
Cash Sale Price	$44,335.90
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	$44,335.90
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$758.65

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,963.00. 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 Lightning XLT

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This low mileage certified preowned 2023 Ford F-150 Lightning XLT AWD pickup under 45,000 miles, automatic transmission, and 0.0L electric engine is for sale right now under $38K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$37,654
Est. Payment:	$733.75 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	44,762
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,654.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,265.30
Avg. DMV Fee	532.00
Cash Sale Price	$42,880.30
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	$42,880.30
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.75

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,654.00. 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 Ford Explorer ST

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This low mileage certified second hand 2023 Ford Explorer ST AWD SUV below 49,000 miles, automatic transmission, and 20 MPG, 3.0L gas engine is for sale right now below $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,730
Est. Payment:	$773.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	48,792
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,730.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,497.81
Avg. DMV Fee	532.00
Cash Sale Price	$45,188.81
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	$45,188.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$773.25

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,730.00. 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.

2025 Ford Explorer ST-Line

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This low mileage certified second hand 2025 Ford Explorer ST-Line RWD SUV under 13,000 miles, automatic transmission, and 20 MPG, 2.3L gas engine is for sale right now below $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,958
Est. Payment:	$777.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,878
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,958.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,523.34
Avg. DMV Fee	532.00
Cash Sale Price	$45,442.34
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	$45,442.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$777.59

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,958.00. 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.

2024 Ram 2500 Tradesman

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This low mileage second hand 2024 Ram 2500 Tradesman 4x4 pickup below 32,000 miles, automatic transmission, and 20 MPG, 6.4L gas engine is for sale right now below $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,987
Est. Payment:	$778.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,000
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,987.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,526.59
Avg. DMV Fee	532.00
Cash Sale Price	$45,474.59
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	$45,474.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$778.14

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,987.00. 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.

2020 Toyota 4Runner SR5

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This average mileage preowned 2020 Toyota 4Runner SR5 4x4 SUV under 89,000 miles, automatic transmission, and 20 MPG, 4.0L gas engine is for sale right now below $37K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$36,987
Est. Payment:	$1011.60 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	89,177
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,987.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,190.59
Avg. DMV Fee	532.00
Cash Sale Price	$42,138.59
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	$42,138.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$1011.60

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,987.00. 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 48 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.

2022 Ford F-150 XL

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This average mileage certified second hand 2022 Ford F-150 XL 4x4 pickup under 71,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now under $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,963
Est. Payment:	$986.33 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,508
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,963.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,523.90
Avg. DMV Fee	532.00
Cash Sale Price	$45,447.90
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	$45,447.90
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Finance Payment	$986.33

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,963.00. 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 54 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

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This average mileage preowned 2023 Ford F-150 XL 4x4 pickup under 89,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $38K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$37,461
Est. Payment:	$1024.26 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	88,945
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,461.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,243.68
Avg. DMV Fee	532.00
Cash Sale Price	$42,665.68
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	$42,665.68
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$1024.26

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,461.00. 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 48 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.

2023 Ford Bronco Base Advanced

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This low mileage certified second hand 2023 Ford Bronco Base Advanced 4x4 SUV under 40,000 miles, automatic transmission, and 20 MPG, 2.7L gas engine is for sale right now below $37K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$36,642
Est. Payment:	$714.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	40,188
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,642.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,151.95
Avg. DMV Fee	532.00
Cash Sale Price	$41,754.95
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	$41,754.95
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$714.49

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,642.00. 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 Ford F-150 XL

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This above average mileage second hand 2021 Ford F-150 XL 4x4 pickup under 90,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $40K at San Tan Ford in Gilbert, AZ. ...View More Details

Sales Price:	$39,541
Est. Payment:	$1213.26 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,372
Location:	Gilbert, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,541.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,476.64
Avg. DMV Fee	532.00
Cash Sale Price	$44,978.64
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	$44,978.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Finance Payment	$1213.26

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,541.00. 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 42 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.

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

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

2026 Ford Explorer Active

2023 Ford F-150 Lightning XLT

2023 Ford Explorer ST

2025 Ford Explorer ST-Line

2024 Ram 2500 Tradesman

2020 Toyota 4Runner SR5

2022 Ford F-150 XL

2023 Ford F-150 XL

2023 Ford Bronco Base Advanced

2021 Ford F-150 XL

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

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

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2023 Ford F-150 Lightning XLT

Ford F-150 Lightning XLT

2023 Ford F-150 Lightning XLT Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2024 Ram 2500 Tradesman

Ram 2500 Tradesman

2024 Ram 2500 Tradesman Car Loan Estimate

2020 Toyota 4Runner SR5

Toyota 4Runner SR5

2020 Toyota 4Runner SR5 Car Loan Estimate

2022 Ford F-150 XL

Ford F-150 XL

2022 Ford F-150 XL Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ford Bronco Base Advanced

Ford Bronco Base Advanced

2023 Ford Bronco Base Advanced Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

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