San Francisco - Oakland - San Jose, CA Area Used Cars Under $40,000

2022 Jeep Gladiator Rubicon

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This low mileage used 2022 Jeep Gladiator Rubicon 4X4 pickup below 28,000 miles, transmission, and 21 MPG, 3.6L gas engine is for sale right now under $40K at North Bay Hyundai in Petaluma, CA. ...View More Details

Sales Price:	$39,990
Est. Payment:	$761.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,383
Location:	Petaluma, CA

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,107.18
Avg. DMV Fee	296.00
Cash Sale Price	$44,473.18
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	$44,473.18
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$761.00

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,990.00. 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.

2024 Hyundai PALISADE Calligraphy

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This low mileage used 2024 Hyundai PALISADE Calligraphy AWD SUV below 50,000 miles, a transmission, and 21 MPG, 3.8L gas engine is for sale right now below $37K at North Bay Hyundai in Petaluma, CA. ...View More Details

Sales Price:	$36,990
Est. Payment:	$755.82 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,362
Location:	Petaluma, CA

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,799.68
Avg. DMV Fee	296.00
Cash Sale Price	$41,165.68
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	$41,165.68
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$755.82

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,990.00. 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.

2025 Tesla Model 3 Long Range

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This low mileage preowned 2025 Tesla Model 3 Long Range RWD sedan under 25,000 miles, a transmission, and 0.0L electric engine is for sale right now under $37K at North Bay Hyundai in Petaluma, CA. ...View More Details

Sales Price:	$36,290
Est. Payment:	$691.20 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,280
Location:	Petaluma, CA

Item	Amount
Used Car Price⁽¹⁾	$36,290.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,727.93
Avg. DMV Fee	296.00
Cash Sale Price	$40,393.93
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	$40,393.93
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$691.20

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,290.00. 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.

2019 Lincoln Navigator Reserve

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This average mileage used 2019 Lincoln Navigator Reserve 4X4 SUV below 71,000 miles, a transmission, and 21 MPG, 3.5L gas engine is for sale right now below $37K at Livermore Ford in Livermore, CA. ...View More Details

Sales Price:	$36,950
Est. Payment:	$892.44 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	71,213
Location:	Livermore, CA

Item	Amount
Used Car Price⁽¹⁾	$36,950.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,795.58
Avg. DMV Fee	296.00
Cash Sale Price	$41,121.58
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	$41,121.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Finance Payment	$892.44

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,950.00. 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 54 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 Explorer ST

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This low mileage preowned 2023 Ford Explorer ST AWD SUV under 41,000 miles, a transmission, and 21 MPG, 3.0L gas engine is for sale right now under $40K at Hilltop Ford in San Pablo, CA. ...View More Details

Sales Price:	$39,991
Est. Payment:	$761.02 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,221
Location:	San Pablo, CA

Item	Amount
Used Car Price⁽¹⁾	$39,991.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,107.28
Avg. DMV Fee	296.00
Cash Sale Price	$44,474.28
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	$44,474.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$761.02

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,991.00. 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 Mustang Mach-E Premium

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This low mileage second hand 2025 Ford Mustang Mach-E Premium AWD SUV under 11,000 miles, a transmission, and 0.0L electric engine is for sale right now under $38K at Marin County Ford in Novato, CA. ...View More Details

Sales Price:	$37,923
Est. Payment:	$722.01 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,435
Location:	Novato, CA

Item	Amount
Used Car Price⁽¹⁾	$37,923.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,895.31
Avg. DMV Fee	296.00
Cash Sale Price	$42,194.31
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	$42,194.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$722.01

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,923.00. 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.

2025 Ford Mustang Mach-E Premium

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This low mileage preowned 2025 Ford Mustang Mach-E Premium AWD SUV under 8,000 miles, a transmission, and 0.0L electric engine is for sale right now below $38K at Marin County Ford in Novato, CA. ...View More Details

Sales Price:	$37,912
Est. Payment:	$721.80 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,122
Location:	Novato, CA

Item	Amount
Used Car Price⁽¹⁾	$37,912.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,894.18
Avg. DMV Fee	296.00
Cash Sale Price	$42,182.18
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	$42,182.18
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$721.80

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,912.00. 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 Ram 1500 Big Horn

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This low mileage used 2023 Ram 1500 Big Horn 4X4 pickup under 13,000 miles, a transmission, and 21 MPG, 5.7L hybrid engine is for sale right now below $39K at The Ford Store San Leandro in San Leandro, CA. ...View More Details

Sales Price:	$38,883
Est. Payment:	$740.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,901
Location:	San Leandro, CA

Item	Amount
Used Car Price⁽¹⁾	$38,883.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,993.71
Avg. DMV Fee	296.00
Cash Sale Price	$43,252.71
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	$43,252.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$740.12

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,883.00. 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 Ford Explorer Active

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This low mileage second hand 2026 Ford Explorer Active RWD SUV below 5,000 miles, a transmission, and 21 MPG, 2.3L gas engine is for sale right now below $38K at All Star Ford in Pittsburg, CA. ...View More Details

Sales Price:	$37,760
Est. Payment:	$718.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,965
Location:	Pittsburg, CA

Item	Amount
Used Car Price⁽¹⁾	$37,760.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,878.60
Avg. DMV Fee	296.00
Cash Sale Price	$42,014.60
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	$42,014.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$718.93

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,760.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2021 Ford F-150 XL

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This low mileage second hand 2021 Ford F-150 XL 4X4 pickup below 50,000 miles, a transmission, and 21 MPG, 2.7L gas engine is for sale right now under $36K at Future Ford of Concord in Concord, CA. ...View More Details

Sales Price:	$35,988
Est. Payment:	$735.54 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,067
Location:	Concord, CA

Item	Amount
Used Car Price⁽¹⁾	$35,988.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,696.97
Avg. DMV Fee	296.00
Cash Sale Price	$40,060.97
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	$40,060.97
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$735.54

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,988.00. 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.

Used Cars under $40,000 for Sale in the Greater San Francisco - Oakland - San Jose Area

Metro San Francisco - Oakland - San Jose Secondhand Used Vehicles Priced Below $40,000

2022 Jeep Gladiator Rubicon

2024 Hyundai PALISADE Calligraphy

2025 Tesla Model 3 Long Range

2019 Lincoln Navigator Reserve

2023 Ford Explorer ST

2025 Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium

2023 Ram 1500 Big Horn

2026 Ford Explorer Active

2021 Ford F-150 XL

Greater San Francisco - Oakland - San Jose Area Cities with Used Cars for Sale Below $40K

Metro San Francisco - Oakland - San Jose Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater San Francisco - Oakland - San Jose Area

Metro San Francisco - Oakland - San Jose Secondhand Used Vehicles Priced Below $40,000

2022 Jeep Gladiator Rubicon

Jeep Gladiator Rubicon

2022 Jeep Gladiator Rubicon Car Loan Estimate

2024 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2024 Hyundai PALISADE Calligraphy Car Loan Estimate

2025 Tesla Model 3 Long Range

Tesla Model 3 Long Range

2025 Tesla Model 3 Long Range Car Loan Estimate

2019 Lincoln Navigator Reserve

Lincoln Navigator Reserve

2019 Lincoln Navigator Reserve Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium Car Loan Estimate

2023 Ram 1500 Big Horn

Ram 1500 Big Horn

2023 Ram 1500 Big Horn Car Loan Estimate

2026 Ford Explorer Active

Ford Explorer Active

2026 Ford Explorer Active Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

Greater San Francisco - Oakland - San Jose Area Cities with Used Cars for Sale Below $40K

Metro San Francisco - Oakland - San Jose Area Counties with Used Cars for Sale Below $40,000

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