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

2022 Jeep Gladiator Rubicon

⇩ View Seller Description

This low mileage preowned 2022 Jeep Gladiator Rubicon 4X4 pickup below 28,000 miles, transmission, and 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
Car Finance Payment	$761.00

(1) Car 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) 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 Tesla Model 3 Long Range

⇩ View Seller Description

This low mileage used 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
Auto Finance Payment	$691.20

(1) Auto Finance 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) 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

⇩ View Seller Description

This low mileage used 2024 Hyundai PALISADE Calligraphy AWD SUV under 50,000 miles, a transmission, and 3.8L gas engine is for sale right now under $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
Car Loan Payment	$755.82

(1) Car 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) 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.

2020 Ford Mustang GT Premium

⇩ View Seller Description

This low mileage used 2020 Ford Mustang GT Premium RWD coupe below 47,000 miles, transmission, and 5.0L gas engine is for sale right now below $36K at Capitol Ford in San Jose, CA. ...View More Details

Sales Price:	$35,500
Est. Payment:	$676.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,771
Location:	San Jose, CA

Item	Amount
Used Car Price⁽¹⁾	$35,500.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,646.95
Avg. DMV Fee	296.00
Cash Sale Price	$39,522.95
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	$39,522.95
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$676.30

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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

⇩ View Seller Description

This low mileage preowned 2025 Ford Mustang Mach-E Premium AWD SUV under 10,000 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:	$37,942
Est. Payment:	$722.37 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,334
Location:	Novato, CA

Item	Amount
Used Car Price⁽¹⁾	$37,942.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,897.26
Avg. DMV Fee	296.00
Cash Sale Price	$42,215.26
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	$42,215.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$722.37

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,942.00. 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 Ford F-250 Super Duty XL

⇩ View Seller Description

This low mileage second hand 2022 Ford F-250 Super Duty XL 4X2 pickup under 33,000 miles, a transmission, and 6.2L flexible engine is for sale right now below $39K at Marin County Ford in Novato, CA. ...View More Details

Sales Price:	$38,384
Est. Payment:	$730.70 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,013
Location:	Novato, CA

Item	Amount
Used Car Price⁽¹⁾	$38,384.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,942.56
Avg. DMV Fee	296.00
Cash Sale Price	$42,702.56
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	$42,702.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$730.70

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,384.00. 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 Explorer Limited

⇩ View Seller Description

This low mileage preowned 2023 Ford Explorer Limited AWD SUV below 15,000 miles, a transmission, and 2.3L gas engine is for sale right now under $39K at Livermore Ford in Livermore, CA. ...View More Details

Sales Price:	$38,500
Est. Payment:	$732.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,692
Location:	Livermore, CA

Item	Amount
Used Car Price⁽¹⁾	$38,500.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,954.45
Avg. DMV Fee	296.00
Cash Sale Price	$42,830.45
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	$42,830.45
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$732.89

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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

⇩ View Seller Description

This low mileage second hand 2023 Ford Mustang Mach-E GT AWD SUV below 11,000 miles, a transmission, and 0.0L electric engine is for sale right now below $38K at Capitol Ford in San Jose, CA. ...View More Details

Sales Price:	$37,700
Est. Payment:	$717.80 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,897
Location:	San Jose, CA

Item	Amount
Used Car Price⁽¹⁾	$37,700.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,872.45
Avg. DMV Fee	296.00
Cash Sale Price	$41,948.45
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	$41,948.45
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$717.80

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,700.00. 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 Ford Explorer Active

⇩ View Seller Description

This low mileage used 2026 Ford Explorer Active AWD SUV below 5,000 miles, a transmission, and 2.3L gas engine is for sale right now under $40K at Hilltop Ford in San Pablo, CA. ...View More Details

Sales Price:	$39,999
Est. Payment:	$761.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,315
Location:	San Pablo, CA

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,108.10
Avg. DMV Fee	296.00
Cash Sale Price	$44,483.10
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	$44,483.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$761.17

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2025 Ford Transit 250

⇩ View Seller Description

This low mileage preowned 2025 Ford Transit 250 RWD full-size under 8,000 miles, a transmission, and 3.5L flexible engine is for sale right now below $37K at Bill Brandt Ford, Inc. in Brentwood, CA. ...View More Details

Sales Price:	$36,741
Est. Payment:	$699.71 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,100
Location:	Brentwood, CA

Item	Amount
Used Car Price⁽¹⁾	$36,741.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,774.15
Avg. DMV Fee	296.00
Cash Sale Price	$40,891.15
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	$40,891.15
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$699.71

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,741.00. 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 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

2025 Tesla Model 3 Long Range

2024 Hyundai PALISADE Calligraphy

2020 Ford Mustang GT Premium

2025 Ford Mustang Mach-E Premium

2022 Ford F-250 Super Duty XL

2023 Ford Explorer Limited

2023 Ford Mustang Mach-E GT

2026 Ford Explorer Active

2025 Ford Transit 250

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

2025 Tesla Model 3 Long Range

Tesla Model 3 Long Range

2025 Tesla Model 3 Long Range Car Loan Estimate

2024 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2024 Hyundai PALISADE Calligraphy Car Loan Estimate

2020 Ford Mustang GT Premium

Ford Mustang GT Premium

2020 Ford Mustang GT Premium Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium Car Loan Estimate

2022 Ford F-250 Super Duty XL

Ford F-250 Super Duty XL

2022 Ford F-250 Super Duty XL Car Loan Estimate

2023 Ford Explorer Limited

Ford Explorer Limited

2023 Ford Explorer Limited 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

2025 Ford Transit 250

Ford Transit 250

2025 Ford Transit 250 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

Customize Payments

Find Financing

Customize Payments