Waterloo, IA Used Cars Under $40,000 |with Payments|

2026 Subaru Forester Wilderness

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This low mileage second hand 2026 Subaru Forester Wilderness AWD wagon under 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,167
Est. Payment:	$690.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,167.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,614.29
Avg. DMV Fee	365.00
Cash Sale Price	$40,326.29
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	$40,326.29
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$690.04

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,167.00. 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 Genesis GV80 3.5T

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This average mileage preowned 2023 Genesis GV80 3.5T AWD SUV under 87,000 miles, a transmission, and 26 MPG, 3.5L gas engine is for sale right now under $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,671
Est. Payment:	$981.04 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	86,932
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,671.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,649.57
Avg. DMV Fee	365.00
Cash Sale Price	$40,865.57
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	$40,865.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$981.04

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,671.00. 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 48 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.

2021 Genesis GV80 3.5T

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This low mileage second hand 2021 Genesis GV80 3.5T AWD SUV under 46,000 miles, a transmission, and 26 MPG, 3.5L gas engine is for sale right now under $36K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$35,900
Est. Payment:	$666.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	45,801
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$35,900.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,525.60
Avg. DMV Fee	365.00
Cash Sale Price	$38,970.60
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	$38,970.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$666.85

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,900.00. 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 Hyundai SANTA FE Limited

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This low mileage used 2025 Hyundai SANTA FE Limited AWD SUV under 14,000 miles, a transmission, and 26 MPG, 2.5L gas engine is for sale right now under $36K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$35,664
Est. Payment:	$662.52 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,253
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$35,664.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,509.08
Avg. DMV Fee	365.00
Cash Sale Price	$38,718.08
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	$38,718.08
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$662.52

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,664.00. 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 Subaru Forester Wilderness

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This low mileage used 2026 Subaru Forester Wilderness AWD wagon below 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,906
Est. Payment:	$703.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,906.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,666.02
Avg. DMV Fee	365.00
Cash Sale Price	$41,117.02
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	$41,117.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$703.57

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,906.00. 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 Subaru Forester Touring

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This low mileage used 2026 Subaru Forester Touring AWD wagon under 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,706
Est. Payment:	$699.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,706.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,652.02
Avg. DMV Fee	365.00
Cash Sale Price	$40,903.02
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	$40,903.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$699.91

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,706.00. 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 Chevrolet Silverado 2500HD LT

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This above average mileage second hand 2023 Chevrolet Silverado 2500HD LT 4X4 pickup below 90,000 miles, a transmission, and 26 MPG, 6.6L gas engine is for sale right now under $37K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$36,674
Est. Payment:	$1073.54 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,199
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$36,674.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,579.78
Avg. DMV Fee	365.00
Cash Sale Price	$39,798.78
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	$39,798.78
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1073.54

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,674.00. 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 42 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 Subaru Forester Wilderness

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This low mileage used 2026 Subaru Forester Wilderness AWD wagon under 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now under $39K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$38,583
Est. Payment:	$715.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$38,583.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,713.41
Avg. DMV Fee	365.00
Cash Sale Price	$41,841.41
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	$41,841.41
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$715.97

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,583.00. 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 Subaru Outback Limited

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This low mileage preowned 2026 Subaru Outback Limited AWD wagon under 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now under $39K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$38,301
Est. Payment:	$710.81 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$38,301.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,693.67
Avg. DMV Fee	365.00
Cash Sale Price	$41,539.67
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	$41,539.67
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$710.81

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,301.00. 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 Subaru Forester Wilderness

⇩ View Seller Description

This low mileage preowned 2026 Subaru Forester Wilderness AWD wagon under 6,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now below $37K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$36,791
Est. Payment:	$683.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$36,791.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,587.97
Avg. DMV Fee	365.00
Cash Sale Price	$39,923.97
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	$39,923.97
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$683.16

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,791.00. 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.

Used Cars under $40,000 for Sale in Waterloo, IA

Waterloo, IA Secondhand Used Vehicles Priced Below $40,000

2026 Subaru Forester Wilderness

2023 Genesis GV80 3.5T

2021 Genesis GV80 3.5T

2025 Hyundai SANTA FE Limited

2026 Subaru Forester Wilderness

2026 Subaru Forester Touring

2023 Chevrolet Silverado 2500HD LT

2026 Subaru Forester Wilderness

2026 Subaru Outback Limited

2026 Subaru Forester Wilderness

Used Cars under $40,000 for Sale in Waterloo, IA

Waterloo, IA Secondhand Used Vehicles Priced Below $40,000

2026 Subaru Forester Wilderness

Subaru Forester Wilderness

2026 Subaru Forester Wilderness Car Loan Estimate

2023 Genesis GV80 3.5T

Genesis GV80 3.5T

2023 Genesis GV80 3.5T Car Loan Estimate

2021 Genesis GV80 3.5T

Genesis GV80 3.5T

2021 Genesis GV80 3.5T Car Loan Estimate

2025 Hyundai SANTA FE Limited

Hyundai SANTA FE Limited

2025 Hyundai SANTA FE Limited Car Loan Estimate

2026 Subaru Forester Wilderness

Subaru Forester Wilderness

2026 Subaru Forester Wilderness Car Loan Estimate

2026 Subaru Forester Touring

Subaru Forester Touring

2026 Subaru Forester Touring Car Loan Estimate

2023 Chevrolet Silverado 2500HD LT

Chevrolet Silverado 2500HD LT

2023 Chevrolet Silverado 2500HD LT Car Loan Estimate

2026 Subaru Forester Wilderness

Subaru Forester Wilderness

2026 Subaru Forester Wilderness Car Loan Estimate

2026 Subaru Outback Limited

Subaru Outback Limited

2026 Subaru Outback Limited Car Loan Estimate

2026 Subaru Forester Wilderness

Subaru Forester Wilderness

2026 Subaru Forester Wilderness Car Loan Estimate

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