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

2026 Hyundai SANTA FE SEL

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This low mileage second hand 2026 Hyundai SANTA FE SEL FWD SUV below 0,000 miles, a transmission, and 37 MPG, 2.5L gas engine is for sale right now below $38K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$37,438
Est. Payment:	$729.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,438.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,241.10
Avg. DMV Fee	532.00
Cash Sale Price	$42,640.10
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	$42,640.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$729.64

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,438.00. 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

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This low mileage used 2026 Hyundai SANTA FE Hybrid SEL AWD SUV under 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now under $40K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$39,919
Est. Payment:	$776.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,919.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,518.98
Avg. DMV Fee	532.00
Cash Sale Price	$45,398.98
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	$45,398.98
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$776.84

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,919.00. 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.

2026 Hyundai SANTA FE Hybrid SE

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This low mileage used 2026 Hyundai SANTA FE Hybrid SE FWD SUV under 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now below $36K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$35,590
Est. Payment:	$694.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$35,590.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,034.13
Avg. DMV Fee	532.00
Cash Sale Price	$40,585.13
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	$40,585.13
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$694.47

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,590.00. 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 used 2026 Hyundai SANTA FE Hybrid SEL FWD SUV under 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now under $39K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$38,416
Est. Payment:	$748.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,416.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,350.64
Avg. DMV Fee	532.00
Cash Sale Price	$43,727.64
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	$43,727.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$748.25

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,416.00. 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.

2026 Hyundai ELANTRA N TCR

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This low mileage used 2026 Hyundai ELANTRA N TCR FWD sedan below 0,000 miles, m transmission, and 37 MPG, 2.0L gas engine is for sale right now below $40K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$39,252
Est. Payment:	$764.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$39,252.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,444.27
Avg. DMV Fee	532.00
Cash Sale Price	$44,657.27
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	$44,657.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$764.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,252.00. 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 SEL

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This low mileage second hand 2026 Hyundai SANTA FE SEL FWD SUV under 0,000 miles, a transmission, and 37 MPG, 2.5L gas engine is for sale right now under $37K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$36,896
Est. Payment:	$719.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$36,896.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,180.40
Avg. DMV Fee	532.00
Cash Sale Price	$42,037.40
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	$42,037.40
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$719.32

(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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE Hybrid SEL FWD SUV under 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now under $38K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$37,864
Est. Payment:	$737.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,864.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,288.82
Avg. DMV Fee	532.00
Cash Sale Price	$43,113.82
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	$43,113.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$737.74

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,864.00. 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 TUCSON Hybrid SEL Convenience

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This low mileage second hand 2026 Hyundai TUCSON Hybrid SEL Convenience AWD SUV under 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now below $38K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$37,445
Est. Payment:	$729.77 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$37,445.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,241.89
Avg. DMV Fee	532.00
Cash Sale Price	$42,647.89
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	$42,647.89
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$729.77

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,445.00. 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

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Sales Price:	$38,689
Est. Payment:	$753.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,689.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,381.22
Avg. DMV Fee	532.00
Cash Sale Price	$44,031.22
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	$44,031.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$753.44

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,689.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE Hybrid SEL FWD SUV below 0,000 miles, a transmission, and 37 MPG, 1.6L hybrid engine is for sale right now under $39K at Ken Garff Hyundai Surprise in Surprise, AZ. ...View More Details

Sales Price:	$38,353
Est. Payment:	$747.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Surprise, AZ

Item	Amount
Used Car Price⁽¹⁾	$38,353.00
Avg. Dealer Doc Fee	429.00
AZ Sales Tax (11.2%)	4,343.58
Avg. DMV Fee	532.00
Cash Sale Price	$43,657.58
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	$43,657.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$747.05

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,353.00. 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 Surprise, AZ

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

2026 Hyundai SANTA FE SEL

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SE

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai ELANTRA N TCR

2026 Hyundai SANTA FE SEL

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai TUCSON Hybrid SEL Convenience

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL

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

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

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

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai ELANTRA N TCR

Hyundai ELANTRA N TCR

2026 Hyundai ELANTRA N TCR 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 TUCSON Hybrid SEL Convenience

Hyundai TUCSON Hybrid SEL Convenience

2026 Hyundai TUCSON Hybrid SEL Convenience 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

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