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

2025 Hyundai SANTA FE Calligraphy

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This low mileage certified preowned 2025 Hyundai SANTA FE Calligraphy FWD SUV under 5,000 miles, automatic transmission, and 22 MPG, 2.5L gas engine is for sale right now under $39K at Chapman Hyundai in Phoenix, AZ. ...View More Details

Sales Price:	$38,922
Est. Payment:	$757.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,326
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,922.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,407.31
Avg. DMV Fee	532.00
Cash Sale Price	$44,290.31
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	$44,290.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$757.87

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,922.00. 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.

2024 Hyundai TUCSON Plug-in Hybrid Limited

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This low mileage certified used 2024 Hyundai TUCSON Plug-in Hybrid Limited AWD SUV below 10,000 miles, automatic transmission, and 22 MPG, 1.6L hybrid engine is for sale right now below $37K at Chapman Hyundai in Phoenix, AZ. ...View More Details

Sales Price:	$36,880
Est. Payment:	$719.02 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,968
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,880.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,178.61
Avg. DMV Fee	532.00
Cash Sale Price	$42,019.61
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	$42,019.61
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$719.02

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,880.00. 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.

2024 Hyundai TUCSON Plug-in Hybrid Limited

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This low mileage certified used 2024 Hyundai TUCSON Plug-in Hybrid Limited AWD SUV under 7,000 miles, automatic transmission, and 22 MPG, 1.6L hybrid engine is for sale right now below $37K at Chapman Hyundai in Phoenix, AZ. ...View More Details

Sales Price:	$36,994
Est. Payment:	$721.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,021
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,994.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,191.38
Avg. DMV Fee	532.00
Cash Sale Price	$42,146.38
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	$42,146.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$721.19

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,994.00. 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.

2024 Hyundai TUCSON Plug-in Hybrid Limited

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This low mileage certified used 2024 Hyundai TUCSON Plug-in Hybrid Limited AWD SUV under 11,000 miles, automatic transmission, and 22 MPG, 1.6L hybrid engine is for sale right now under $37K at Chapman Hyundai in Phoenix, AZ. ...View More Details

Sales Price:	$36,990
Est. Payment:	$721.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,062
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,190.93
Avg. DMV Fee	532.00
Cash Sale Price	$42,141.93
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	$42,141.93
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$721.11

(1) Car Loan 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 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.

2024 Hyundai TUCSON Plug-in Hybrid Limited

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This low mileage certified preowned 2024 Hyundai TUCSON Plug-in Hybrid Limited AWD SUV under 8,000 miles, automatic transmission, and 22 MPG, 1.6L hybrid engine is for sale right now under $37K at Chapman Hyundai in Phoenix, AZ. ...View More Details

Sales Price:	$36,490
Est. Payment:	$711.60 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,249
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,490.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,134.93
Avg. DMV Fee	532.00
Cash Sale Price	$41,585.93
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	$41,585.93
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$711.60

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,490.00. 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.

2023 Lincoln Nautilus Reserve

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This low mileage certified used 2023 Lincoln Nautilus Reserve FWD SUV under 20,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now under $39K at Sanderson Lincoln in Phoenix, AZ. ...View More Details

Sales Price:	$38,997
Est. Payment:	$759.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,649
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,997.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,415.71
Avg. DMV Fee	532.00
Cash Sale Price	$44,373.71
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	$44,373.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$759.30

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,997.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Explorer XLT

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This low mileage preowned 2023 Ford Explorer XLT AWD SUV below 8,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $36K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$35,013
Est. Payment:	$683.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,993
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$35,013.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	3,969.50
Avg. DMV Fee	532.00
Cash Sale Price	$39,943.50
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	$39,943.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$683.49

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,013.00. 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.

2019 Ford F-150 Lariat

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This average mileage second hand 2019 Ford F-150 Lariat 4x4 pickup below 77,000 miles, automatic transmission, and 22 MPG, 5.0L gas engine is for sale right now below $36K at Sanderson Lincoln in Phoenix, AZ. ...View More Details

Sales Price:	$35,998
Est. Payment:	$890.64 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	76,904
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$35,998.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,079.82
Avg. DMV Fee	532.00
Cash Sale Price	$41,038.82
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	$41,038.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$890.64

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,998.00. 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 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.

2023 Ford F-150 Limited

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This high mileage second hand 2023 Ford F-150 Limited 4x4 pickup below 103,000 miles, automatic transmission, and 22 MPG, 3.5L hybrid engine is for sale right now under $39K at Bell Ford in Phoenix, AZ. ...View More Details

Sales Price:	$38,210
Est. Payment:	$1345.70 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	102,578
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,210.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,327.57
Avg. DMV Fee	532.00
Cash Sale Price	$43,498.57
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	$43,498.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Car Finance Payment	$1345.70

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,210.00. 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 36 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 F-150 STX

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This low mileage preowned 2025 Ford F-150 STX RWD pickup below 13,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $40K at Camelback Ford Lincoln in Phoenix, AZ. ...View More Details

Sales Price:	$39,667
Est. Payment:	$772.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,821
Location:	Phoenix, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,667.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,490.75
Avg. DMV Fee	532.00
Cash Sale Price	$45,118.75
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	$45,118.75
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$772.05

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,667.00. 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 $40,000 for Sale in Phoenix, AZ

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

2025 Hyundai SANTA FE Calligraphy

2024 Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited

2023 Lincoln Nautilus Reserve

2023 Ford Explorer XLT

2019 Ford F-150 Lariat

2023 Ford F-150 Limited

2025 Ford F-150 STX

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

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

2025 Hyundai SANTA FE Calligraphy

Hyundai SANTA FE Calligraphy

2025 Hyundai SANTA FE Calligraphy Car Loan Estimate

2024 Hyundai TUCSON Plug-in Hybrid Limited

Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited Car Loan Estimate

2024 Hyundai TUCSON Plug-in Hybrid Limited

Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited Car Loan Estimate

2024 Hyundai TUCSON Plug-in Hybrid Limited

Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited Car Loan Estimate

2024 Hyundai TUCSON Plug-in Hybrid Limited

Hyundai TUCSON Plug-in Hybrid Limited

2024 Hyundai TUCSON Plug-in Hybrid Limited Car Loan Estimate

2023 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2023 Lincoln Nautilus Reserve Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2019 Ford F-150 Lariat

Ford F-150 Lariat

2019 Ford F-150 Lariat Car Loan Estimate

2023 Ford F-150 Limited

Ford F-150 Limited

2023 Ford F-150 Limited Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

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