Phoenix, AZ Used Cars Under $400 a Month

2025 Volkswagen Jetta S

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This low mileage used 2025 Volkswagen Jetta S FWD sedan below 46,000 miles, a transmission, and 35 MPG, 1.5L gas engine is for sale right now below $20K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$19,988
Est. Payment:	$397.60 / 72 months @ 7.13% APR
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Mileage:	46,263
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$19,988.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	2,286.70
Avg. DMV Fee	532.00
Cash Sale Price	$23,235.70
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	$23,235.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$397.60

(1) Car Loan calculations are based on the used car dealer's advertised price of $19,988.00. 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.

2017 Lincoln MKC Reserve

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This above average mileage second hand 2017 Lincoln MKC Reserve FWD SUV under 95,000 miles, a transmission, and 35 MPG, 2.0L gas engine is for sale right now below $13K at Sanderson Lincoln in Phoenix, AZ. ...View More Details

Sales Price:	$12,998
Est. Payment:	$417.10 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	95,157
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$12,998.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	1,503.82
Avg. DMV Fee	532.00
Cash Sale Price	$15,462.82
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	$15,462.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Finance Payment	$417.10

(1) Auto Finance calculations are based on the used car dealer's advertised price of $12,998.00. 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.

2018 Hyundai SANTA FE Sport 2.0T Ultimate

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This low mileage preowned 2018 Hyundai SANTA FE Sport 2.0T Ultimate FWD SUV below 58,000 miles, a transmission, and 35 MPG, 2.0L gas engine is for sale right now under $20K at Sanderson Lincoln in Phoenix, AZ. ...View More Details

Sales Price:	$19,998
Est. Payment:	$426.82 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,159
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$19,998.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	2,287.82
Avg. DMV Fee	532.00
Cash Sale Price	$23,246.82
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	$23,246.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$426.82

(1) Car Loan calculations are based on the used car dealer's advertised price of $19,998.00. 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.

2019 Kia Niro LX

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This above average mileage used 2019 Kia Niro LX FWD wagon under 94,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $13K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$12,433
Est. Payment:	$400.15 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	93,770
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$12,433.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	1,440.54
Avg. DMV Fee	532.00
Cash Sale Price	$14,834.54
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	$14,834.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Loan Payment	$400.15

(1) Auto Loan calculations are based on the used car dealer's advertised price of $12,433.00. 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 42 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.

2024 Chevrolet Trax RS

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This low mileage used 2024 Chevrolet Trax RS FWD wagon under 29,000 miles, a transmission, and 35 MPG, 1.2L gas engine is for sale right now below $22K at Camelback Ford in Phoenix, AZ. ...View More Details

Sales Price:	$21,369
Est. Payment:	$423.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,292
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$21,369.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	2,441.38
Avg. DMV Fee	532.00
Cash Sale Price	$24,771.38
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	$24,771.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$423.88

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,369.00. 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 Ford Escape Active

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This low mileage second hand 2023 Ford Escape Active FWD SUV below 33,000 miles, a transmission, and 35 MPG, 1.5L gas engine is for sale right now below $22K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$21,085
Est. Payment:	$418.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,516
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$21,085.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	2,409.57
Avg. DMV Fee	532.00
Cash Sale Price	$24,455.57
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	$24,455.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$418.47

(1) Car Finance calculations are based on the used car dealer's advertised price of $21,085.00. 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 Jetta Sport

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This low mileage second hand 2025 Volkswagen Jetta Sport FWD sedan under 32,000 miles, a transmission, and 35 MPG, 1.5L gas engine is for sale right now below $21K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$20,558
Est. Payment:	$408.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,290
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$20,558.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	2,350.54
Avg. DMV Fee	532.00
Cash Sale Price	$23,869.54
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	$23,869.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$408.44

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,558.00. 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.

Used Cars under $400 per month for Sale in Phoenix, AZ

Phoenix, AZ Secondhand Used Vehicles with Payments Below $400 / Month

2025 Volkswagen Jetta S

2017 Lincoln MKC Reserve

2018 Hyundai SANTA FE Sport 2.0T Ultimate

2019 Kia Niro LX

2024 Chevrolet Trax RS

2023 Ford Escape Active

2025 Volkswagen Jetta Sport

Used Cars under $400 per month for Sale in Phoenix, AZ

Phoenix, AZ Secondhand Used Vehicles with Payments Below $400 / Month

2025 Volkswagen Jetta S

Volkswagen Jetta S

2025 Volkswagen Jetta S Car Loan Estimate

2017 Lincoln MKC Reserve

Lincoln MKC Reserve

2017 Lincoln MKC Reserve Car Loan Estimate

2018 Hyundai SANTA FE Sport 2.0T Ultimate

Hyundai SANTA FE Sport 2.0T Ultimate

2018 Hyundai SANTA FE Sport 2.0T Ultimate Car Loan Estimate

2019 Kia Niro LX

Kia Niro LX

2019 Kia Niro LX Car Loan Estimate

2024 Chevrolet Trax RS

Chevrolet Trax RS

2024 Chevrolet Trax RS Car Loan Estimate

2023 Ford Escape Active

Ford Escape Active

2023 Ford Escape Active Car Loan Estimate

2025 Volkswagen Jetta Sport

Volkswagen Jetta Sport

2025 Volkswagen Jetta Sport Car Loan Estimate

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