Rancho Santa Margarita, CA 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 below 4,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $37K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$36,786
Est. Payment:	$700.56 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,725
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$36,786.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,778.77
Avg. DMV Fee	296.00
Cash Sale Price	$40,940.77
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	$40,940.77
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$700.56

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,786.00. 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.

2025 Ford Explorer Active

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This low mileage certified preowned 2025 Ford Explorer Active RWD SUV below 10,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now below $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,905
Est. Payment:	$683.94 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,920
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,905.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,688.46
Avg. DMV Fee	296.00
Cash Sale Price	$39,969.46
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	$39,969.46
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$683.94

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,905.00. 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.

2022 Toyota Highlander Limited

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This low mileage preowned 2022 Toyota Highlander Limited FWD SUV under 25,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $40K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$39,467
Est. Payment:	$751.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,189
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$39,467.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,053.57
Avg. DMV Fee	296.00
Cash Sale Price	$43,896.57
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	$43,896.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$751.14

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,467.00. 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 Explorer ST

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This below average mileage certified second hand 2023 Ford Explorer ST AWD SUV under 60,000 miles, automatic transmission, and 22 MPG, 3.0L gas engine is for sale right now below $37K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$36,932
Est. Payment:	$816.39 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,294
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$36,932.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,793.73
Avg. DMV Fee	296.00
Cash Sale Price	$41,101.73
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	$41,101.73
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Loan Payment	$816.39

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,932.00. 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 60 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 F-150 Limited

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This low mileage certified second hand 2023 Ford F-150 Limited 4x4 pickup under 59,000 miles, automatic transmission, and 22 MPG, 3.5L hybrid engine is for sale right now under $38K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$37,343
Est. Payment:	$762.96 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,240
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$37,343.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,835.86
Avg. DMV Fee	296.00
Cash Sale Price	$41,554.86
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	$41,554.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$762.96

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,343.00. 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 66 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 F-150 XL

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This low mileage certified second hand 2023 Ford F-150 XL RWD pickup under 22,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,901
Est. Payment:	$683.86 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,650
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,901.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,688.05
Avg. DMV Fee	296.00
Cash Sale Price	$39,965.05
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	$39,965.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$683.86

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,901.00. 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 Toyota Prius LE

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This low mileage second hand 2026 Toyota Prius LE FWD hatchback under 2,000 miles, cvt transmission, and 22 MPG, 2.0L hybrid engine is for sale right now below $38K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$37,999
Est. Payment:	$723.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	2,243
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$37,999.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,903.10
Avg. DMV Fee	296.00
Cash Sale Price	$42,278.10
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	$42,278.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$723.44

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,999.00. 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.

2024 Ford F-150 XLT

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This low mileage certified preowned 2024 Ford F-150 XLT 4x4 pickup below 58,000 miles, automatic transmission, and 22 MPG, 3.5L hybrid engine is for sale right now below $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,414
Est. Payment:	$723.92 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,136
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,414.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,638.14
Avg. DMV Fee	296.00
Cash Sale Price	$39,428.14
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	$39,428.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$723.92

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,414.00. 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 F-150 XLT

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This low mileage certified preowned 2025 Ford F-150 XLT RWD pickup under 39,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,785
Est. Payment:	$681.67 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	39,283
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,785.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,676.16
Avg. DMV Fee	296.00
Cash Sale Price	$39,837.16
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	$39,837.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$681.67

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,785.00. 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.

2025 Ford F-150 STX

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This low mileage certified second hand 2025 Ford F-150 STX RWD pickup under 8,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $40K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$39,760
Est. Payment:	$756.66 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,495
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$39,760.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,083.60
Avg. DMV Fee	296.00
Cash Sale Price	$44,219.60
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	$44,219.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$756.66

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,760.00. 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 Rancho Santa Margarita, CA

Rancho Santa Margarita, CA Secondhand Used Vehicles Priced Below $40,000

2026 Ford Explorer Active

2025 Ford Explorer Active

2022 Toyota Highlander Limited

2023 Ford Explorer ST

2023 Ford F-150 Limited

2023 Ford F-150 XL

2026 Toyota Prius LE

2024 Ford F-150 XLT

2025 Ford F-150 XLT

2025 Ford F-150 STX

Used Cars under $40,000 for Sale in Rancho Santa Margarita, CA

Rancho Santa Margarita, CA Secondhand Used Vehicles Priced Below $40,000

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2025 Ford Explorer Active

Ford Explorer Active

2025 Ford Explorer Active Car Loan Estimate

2022 Toyota Highlander Limited

Toyota Highlander Limited

2022 Toyota Highlander Limited Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2023 Ford F-150 Limited

Ford F-150 Limited

2023 Ford F-150 Limited Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2026 Toyota Prius LE

Toyota Prius LE

2026 Toyota Prius LE Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

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