Modesto, CA Used Cars Under $40,000 |with Payments|

2026 Hyundai SONATA N Line

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This low mileage second hand 2026 Hyundai SONATA N Line FWD sedan under 0,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $38K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$37,875
Est. Payment:	$721.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$37,875.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,890.39
Avg. DMV Fee	296.00
Cash Sale Price	$42,141.39
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	$42,141.39
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$721.10

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,875.00. 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

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This low mileage second hand 2026 Hyundai SANTA FE Hybrid SEL FWD SUV under 0,000 miles, automatic transmission, and 26 MPG, 1.6L hybrid engine is for sale right now below $40K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$39,345
Est. Payment:	$748.83 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$39,345.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,041.06
Avg. DMV Fee	296.00
Cash Sale Price	$43,762.06
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	$43,762.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$748.83

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,345.00. 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 Hyundai TUCSON Hybrid SEL Convenience

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This low mileage preowned 2026 Hyundai TUCSON Hybrid SEL Convenience AWD SUV below 0,000 miles, automatic transmission, and 26 MPG, 1.6L hybrid engine is for sale right now below $38K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$37,865
Est. Payment:	$720.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$37,865.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,889.36
Avg. DMV Fee	296.00
Cash Sale Price	$42,130.36
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	$42,130.36
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$720.91

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,865.00. 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 second hand 2026 Hyundai SANTA FE Hybrid SEL FWD SUV under 0,000 miles, automatic transmission, and 26 MPG, 1.6L hybrid engine is for sale right now under $40K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$39,215
Est. Payment:	$746.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$39,215.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,027.74
Avg. DMV Fee	296.00
Cash Sale Price	$43,618.74
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	$43,618.74
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$746.38

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,215.00. 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 Hyundai TUCSON SEL Premium

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This low mileage preowned 2026 Hyundai TUCSON SEL Premium FWD SUV under 0,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $36K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$35,875
Est. Payment:	$683.37 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$35,875.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,685.39
Avg. DMV Fee	296.00
Cash Sale Price	$39,936.39
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	$39,936.39
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$683.37

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,875.00. 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 TUCSON SEL Premium

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This low mileage second hand 2026 Hyundai TUCSON SEL Premium FWD SUV under 0,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $37K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$36,500
Est. Payment:	$695.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$36,500.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,749.45
Avg. DMV Fee	296.00
Cash Sale Price	$40,625.45
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	$40,625.45
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$695.16

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,500.00. 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 Hyundai ELANTRA N Base

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This low mileage preowned 2026 Hyundai ELANTRA N Base FWD sedan under 0,000 miles, automatic transmission, and 26 MPG, 2.0L gas engine is for sale right now under $39K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$38,045
Est. Payment:	$724.31 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$38,045.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,907.81
Avg. DMV Fee	296.00
Cash Sale Price	$42,328.81
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	$42,328.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$724.31

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,045.00. 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 Hyundai SANTA CRUZ SEL Activity

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This low mileage used 2026 Hyundai SANTA CRUZ SEL Activity FWD pickup below 0,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now under $38K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$37,175
Est. Payment:	$707.90 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$37,175.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,818.64
Avg. DMV Fee	296.00
Cash Sale Price	$41,369.64
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	$41,369.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$707.90

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,175.00. 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 below 0,000 miles, automatic transmission, and 26 MPG, 1.6L hybrid engine is for sale right now under $38K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$37,745
Est. Payment:	$718.65 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$37,745.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,877.06
Avg. DMV Fee	296.00
Cash Sale Price	$41,998.06
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	$41,998.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$718.65

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,745.00. 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 Hyundai SANTA CRUZ SEL Activity

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This low mileage second hand 2026 Hyundai SANTA CRUZ SEL Activity FWD pickup below 0,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $38K at Central Valley Hyundai in Modesto, CA. ...View More Details

Sales Price:	$37,685
Est. Payment:	$717.52 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5
Location:	Modesto, CA

Item	Amount
Used Car Price⁽¹⁾	$37,685.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,870.91
Avg. DMV Fee	296.00
Cash Sale Price	$41,931.91
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	$41,931.91
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$717.52

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,685.00. 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 Modesto, CA

Modesto, CA Secondhand Used Vehicles Priced Below $40,000

2026 Hyundai SONATA N Line

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai TUCSON Hybrid SEL Convenience

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai TUCSON SEL Premium

2026 Hyundai TUCSON SEL Premium

2026 Hyundai ELANTRA N Base

2026 Hyundai SANTA CRUZ SEL Activity

2026 Hyundai SANTA FE Hybrid SE

2026 Hyundai SANTA CRUZ SEL Activity

Used Cars under $40,000 for Sale in Modesto, CA

Modesto, CA Secondhand Used Vehicles Priced Below $40,000

2026 Hyundai SONATA N Line

Hyundai SONATA N Line

2026 Hyundai SONATA N Line 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 TUCSON SEL Premium

Hyundai TUCSON SEL Premium

2026 Hyundai TUCSON SEL Premium Car Loan Estimate

2026 Hyundai TUCSON SEL Premium

Hyundai TUCSON SEL Premium

2026 Hyundai TUCSON SEL Premium Car Loan Estimate

2026 Hyundai ELANTRA N Base

Hyundai ELANTRA N Base

2026 Hyundai ELANTRA N Base Car Loan Estimate

2026 Hyundai SANTA CRUZ SEL Activity

Hyundai SANTA CRUZ SEL Activity

2026 Hyundai SANTA CRUZ SEL Activity 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 CRUZ SEL Activity

Hyundai SANTA CRUZ SEL Activity

2026 Hyundai SANTA CRUZ SEL Activity Car Loan Estimate

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