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

2023 Ford F-150 Platinum

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This low mileage second hand 2023 Ford F-150 Platinum 4x4 pickup below 59,000 miles, automatic transmission, and 24 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:	$35,704
Est. Payment:	$729.79 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,240
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,704.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,667.86
Avg. DMV Fee	296.00
Cash Sale Price	$39,747.86
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	$39,747.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$729.79

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,704.00. 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 Explorer Active

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This low mileage preowned 2025 Ford Explorer Active RWD SUV below 10,000 miles, automatic transmission, and 24 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:	$35,662
Est. Payment:	$679.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,925
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,662.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,663.56
Avg. DMV Fee	296.00
Cash Sale Price	$39,701.56
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	$39,701.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$679.35

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,662.00. 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.

2023 Ford F-150 XL

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This low mileage used 2023 Ford F-150 XL RWD pickup below 22,000 miles, automatic transmission, and 24 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:	$35,320
Est. Payment:	$672.90 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,650
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,320.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,628.50
Avg. DMV Fee	296.00
Cash Sale Price	$39,324.50
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	$39,324.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$672.90

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,320.00. 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 Kia Telluride EX

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This low mileage used 2024 Kia Telluride EX AWD SUV under 41,000 miles, automatic transmission, and 24 MPG, 3.8L gas engine is for sale right now under $40K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$39,616
Est. Payment:	$753.95 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,125
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$39,616.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,068.84
Avg. DMV Fee	296.00
Cash Sale Price	$44,060.84
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	$44,060.84
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$753.95

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,616.00. 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 preowned 2023 Ford Explorer ST AWD SUV below 60,000 miles, automatic transmission, and 24 MPG, 3.0L gas engine is for sale right now below $36K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$35,910
Est. Payment:	$794.01 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,294
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$35,910.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,688.98
Avg. DMV Fee	296.00
Cash Sale Price	$39,974.98
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	$39,974.98
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Loan Payment	$794.01

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,910.00. 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 60 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 preowned 2026 Ford Explorer Active RWD SUV under 4,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now below $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 Loan Payment	$700.56

(1) Auto Loan 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 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.

2025 Ford F-150 STX

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This low mileage used 2025 Ford F-150 STX RWD pickup under 8,000 miles, automatic transmission, and 24 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:	$38,887
Est. Payment:	$740.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,495
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$38,887.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,994.12
Avg. DMV Fee	296.00
Cash Sale Price	$43,257.12
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	$43,257.12
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$740.19

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,887.00. 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.

2022 Toyota Highlander Limited

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This low mileage used 2022 Toyota Highlander Limited FWD SUV below 25,000 miles, automatic transmission, and 24 MPG, 3.5L gas engine is for sale right now under $39K at Santa Margarita Ford in Rancho Santa Margarita, CA. ...View More Details

Sales Price:	$38,923
Est. Payment:	$740.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,189
Location:	Rancho Santa Margarita, CA

Item	Amount
Used Car Price⁽¹⁾	$38,923.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,997.81
Avg. DMV Fee	296.00
Cash Sale Price	$43,296.81
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	$43,296.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$740.87

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,923.00. 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

2023 Ford F-150 Platinum

2025 Ford Explorer Active

2023 Ford F-150 XL

2024 Kia Telluride EX

2023 Ford Explorer ST

2026 Ford Explorer Active

2025 Ford F-150 STX

2022 Toyota Highlander Limited

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 F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Car Loan Estimate

2025 Ford Explorer Active

Ford Explorer Active

2025 Ford Explorer Active Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2024 Kia Telluride EX

Kia Telluride EX

2024 Kia Telluride EX Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

2022 Toyota Highlander Limited

Toyota Highlander Limited

2022 Toyota Highlander Limited Car Loan Estimate

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