Rancho Santa Margarita, CA Used Cars Under $40,000 |with Payments|

2023 Ford Bronco Outer Banks Advanced

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This low mileage preowned 2023 Ford Bronco Outer Banks Advanced 4X4 SUV below 58,000 miles, a transmission, and 23 MPG, 2.7L gas engine is for sale right now under $40K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$39,951
Est. Payment:	$815.76 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,477
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$39,951.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,103.18
Avg. DMV Fee	296.00
Cash Sale Price	$44,430.18
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	$44,430.18
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$815.76

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,951.00. 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 66 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 GMC Sierra 1500 SLT

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This low mileage used 2025 GMC Sierra 1500 SLT 4X2 pickup under 50,000 miles, a transmission, and 23 MPG, 5.3L gas engine is for sale right now under $39K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$38,511
Est. Payment:	$786.61 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,308
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$38,511.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,955.58
Avg. DMV Fee	296.00
Cash Sale Price	$42,842.58
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	$42,842.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$786.61

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,511.00. 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.

2024 Ford F-150 XLT

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This low mileage second hand 2024 Ford F-150 XLT 4X4 pickup under 54,000 miles, a transmission, and 23 MPG, 3.5L hybrid engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,839
Est. Payment:	$732.52 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	54,376
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,839.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,681.70
Avg. DMV Fee	296.00
Cash Sale Price	$39,896.70
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	$39,896.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$732.52

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,839.00. 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.

2025 Ford F-150 STX

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This low mileage preowned 2025 Ford F-150 STX 4X2 pickup under 8,000 miles, a transmission, and 23 MPG, 2.7L gas engine is for sale right now below $39K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$38,630
Est. Payment:	$735.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,495
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$38,630.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,967.78
Avg. DMV Fee	296.00
Cash Sale Price	$42,973.78
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	$42,973.78
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$735.35

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,630.00. 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 Mustang Mach-E GT

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This low mileage preowned 2023 Ford Mustang Mach-E GT AWD SUV under 29,000 miles, a transmission, and 0.0L electric engine is for sale right now under $37K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$36,957
Est. Payment:	$703.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,855
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$36,957.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,796.29
Avg. DMV Fee	296.00
Cash Sale Price	$41,129.29
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	$41,129.29
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$703.78

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,957.00. 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.

2026 Ford Explorer Active

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This low mileage used 2026 Ford Explorer Active RWD SUV under 4,000 miles, a transmission, and 23 MPG, 2.3L gas engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,779
Est. Payment:	$681.56 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,725
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,779.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,675.55
Avg. DMV Fee	296.00
Cash Sale Price	$39,830.55
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	$39,830.55
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$681.56

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,779.00. 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 used 2023 Ford Explorer ST AWD SUV below 60,000 miles, a transmission, and 23 MPG, 3.0L gas engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,496
Est. Payment:	$784.94 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,299
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,496.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,646.54
Avg. DMV Fee	296.00
Cash Sale Price	$39,518.54
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	$39,518.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$784.94

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,496.00. 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 60 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 Kia Telluride EX X-Line

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This low mileage second hand 2024 Kia Telluride EX X-Line AWD SUV below 41,000 miles, a transmission, and 23 MPG, 3.8L gas engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,917
Est. Payment:	$684.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,130
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,917.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,689.69
Avg. DMV Fee	296.00
Cash Sale Price	$39,982.69
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	$39,982.69
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$684.16

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,917.00. 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.

2024 Ford F-150 XLT

⇩ View Seller Description

This low mileage preowned 2024 Ford F-150 XLT 4X4 pickup below 58,000 miles, a transmission, and 23 MPG, 3.5L hybrid engine is for sale right now under $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,346
Est. Payment:	$722.54 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	57,648
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,346.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,631.17
Avg. DMV Fee	296.00
Cash Sale Price	$39,353.17
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	$39,353.17
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$722.54

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,346.00. 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.

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

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

2023 Ford Bronco Outer Banks Advanced

2025 GMC Sierra 1500 SLT

2024 Ford F-150 XLT

2025 Ford F-150 STX

2023 Ford Mustang Mach-E GT

2026 Ford Explorer Active

2023 Ford Explorer ST

2024 Kia Telluride EX X-Line

2024 Ford F-150 XLT

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

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

2023 Ford Bronco Outer Banks Advanced

Ford Bronco Outer Banks Advanced

2023 Ford Bronco Outer Banks Advanced Car Loan Estimate

2025 GMC Sierra 1500 SLT

GMC Sierra 1500 SLT

2025 GMC Sierra 1500 SLT Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

2023 Ford Mustang Mach-E GT

Ford Mustang Mach-E GT

2023 Ford Mustang Mach-E GT Car Loan Estimate

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2024 Kia Telluride EX X-Line

Kia Telluride EX X-Line

2024 Kia Telluride EX X-Line Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

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