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

2025 Tesla Model 3 Long Range

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This low mileage second hand 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.

2024 Hyundai PALISADE Calligraphy

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This low mileage preowned 2024 Hyundai PALISADE Calligraphy AWD SUV under 50,000 miles, a transmission, and 48 MPG, 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.

2022 Jeep Gladiator Rubicon

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This low mileage preowned 2022 Jeep Gladiator Rubicon 4X4 pickup under 28,000 miles, transmission, and 48 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.

2019 Lincoln Navigator Reserve

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This average mileage preowned 2019 Lincoln Navigator Reserve 4X4 SUV under 71,000 miles, a transmission, and 48 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
Car Loan Payment	$892.44

(1) Car Loan 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) 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 54 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 XLT

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This low mileage preowned 2025 Ford F-150 XLT 4X2 pickup below 31,000 miles, a transmission, and 48 MPG, 3.5L gas engine is for sale right now below $39K at The Ford Store San Leandro in San Leandro, CA. ...View More Details

Sales Price:	$38,889
Est. Payment:	$740.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,190
Location:	San Leandro, CA

Item	Amount
Used Car Price⁽¹⁾	$38,889.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,994.32
Avg. DMV Fee	296.00
Cash Sale Price	$43,259.32
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	$43,259.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$740.23

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,889.00. 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 Bronco Big Bend

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This low mileage preowned 2025 Ford Bronco Big Bend 4X4 SUV under 22,000 miles, transmission, and 48 MPG, 2.3L gas engine is for sale right now below $39K at Hansel Ford in Santa Rosa, CA. ...View More Details

Sales Price:	$38,442
Est. Payment:	$731.80 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,543
Location:	Santa Rosa, CA

Item	Amount
Used Car Price⁽¹⁾	$38,442.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,948.51
Avg. DMV Fee	296.00
Cash Sale Price	$42,766.51
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	$42,766.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$731.80

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,442.00. 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.

2022 Jeep Wagoneer Series III

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This below average mileage preowned 2022 Jeep Wagoneer Series III 4X4 SUV below 61,000 miles, a transmission, and 48 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:	$38,553
Est. Payment:	$851.88 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	61,261
Location:	San Leandro, CA

Item	Amount
Used Car Price⁽¹⁾	$38,553.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,959.88
Avg. DMV Fee	296.00
Cash Sale Price	$42,888.88
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	$42,888.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$851.88

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,553.00. 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.

2023 Lincoln Aviator Standard

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This low mileage preowned 2023 Lincoln Aviator Standard AWD SUV below 42,000 miles, a transmission, and 48 MPG, 3.0L gas engine is for sale right now below $40K at Future Ford of Concord in Concord, CA. ...View More Details

Sales Price:	$39,777
Est. Payment:	$756.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,079
Location:	Concord, CA

Item	Amount
Used Car Price⁽¹⁾	$39,777.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,085.34
Avg. DMV Fee	296.00
Cash Sale Price	$44,238.34
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	$44,238.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$756.98

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,777.00. 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.

2024 Ford Mustang EcoBoost Premium

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This low mileage preowned 2024 Ford Mustang EcoBoost Premium RWD coupe under 11,000 miles, a transmission, and 48 MPG, 2.3L gas engine is for sale right now below $36K at Marin County Ford in Novato, CA. ...View More Details

Sales Price:	$35,831
Est. Payment:	$682.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,935
Location:	Novato, CA

Item	Amount
Used Car Price⁽¹⁾	$35,831.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	3,680.88
Avg. DMV Fee	296.00
Cash Sale Price	$39,887.88
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	$39,887.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$682.54

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,831.00. 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 Toyota Camry SE

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This low mileage used 2025 Toyota Camry SE FWD sedan below 38,000 miles, cvt transmission, and 48 MPG, 2.5L hybrid engine is for sale right now below $39K at All Star Ford in Pittsburg, CA. ...View More Details

Sales Price:	$38,995
Est. Payment:	$742.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,871
Location:	Pittsburg, CA

Item	Amount
Used Car Price⁽¹⁾	$38,995.00
Avg. Dealer Doc Fee	80.00
CA Sales Tax (10.25%)	4,005.19
Avg. DMV Fee	296.00
Cash Sale Price	$43,376.19
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	$43,376.19
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$742.23

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,995.00. 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

2025 Tesla Model 3 Long Range

2024 Hyundai PALISADE Calligraphy

2022 Jeep Gladiator Rubicon

2019 Lincoln Navigator Reserve

2025 Ford F-150 XLT

2025 Ford Bronco Big Bend

2022 Jeep Wagoneer Series III

2023 Lincoln Aviator Standard

2024 Ford Mustang EcoBoost Premium

2025 Toyota Camry SE

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

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

2022 Jeep Gladiator Rubicon

Jeep Gladiator Rubicon

2022 Jeep Gladiator Rubicon Car Loan Estimate

2019 Lincoln Navigator Reserve

Lincoln Navigator Reserve

2019 Lincoln Navigator Reserve Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2025 Ford Bronco Big Bend

Ford Bronco Big Bend

2025 Ford Bronco Big Bend Car Loan Estimate

2022 Jeep Wagoneer Series III

Jeep Wagoneer Series III

2022 Jeep Wagoneer Series III Car Loan Estimate

2023 Lincoln Aviator Standard

Lincoln Aviator Standard

2023 Lincoln Aviator Standard Car Loan Estimate

2024 Ford Mustang EcoBoost Premium

Ford Mustang EcoBoost Premium

2024 Ford Mustang EcoBoost Premium Car Loan Estimate

2025 Toyota Camry SE

Toyota Camry SE

2025 Toyota Camry SE 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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