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

2023 Lexus ES 350 Luxury

⇩ View Seller Description

This low mileage used 2023 Lexus ES 350 Luxury FWD sedan under 42,000 miles, automatic transmission, and 35 MPG, 3.5L gas engine is for sale right now below $40K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$39,593
Est. Payment:	$734.46 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,573
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$39,593.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,784.11
Avg. DMV Fee	365.00
Cash Sale Price	$42,922.11
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	$42,922.11
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$734.46

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,593.00. 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 Calligraphy

⇩ View Seller Description

This low mileage used 2025 Hyundai SANTA FE Calligraphy AWD SUV below 13,000 miles, automatic transmission, and 35 MPG, 2.5L gas engine is for sale right now below $40K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$39,675
Est. Payment:	$735.96 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,560
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$39,675.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,789.85
Avg. DMV Fee	365.00
Cash Sale Price	$43,009.85
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	$43,009.85
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$735.96

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,675.00. 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 Genesis GV80 2.5T

⇩ View Seller Description

This low mileage second hand 2022 Genesis GV80 2.5T AWD SUV below 50,000 miles, automatic transmission, and 35 MPG, 2.5L gas engine is for sale right now below $36K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$35,480
Est. Payment:	$707.27 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,057
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$35,480.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,496.20
Avg. DMV Fee	365.00
Cash Sale Price	$38,521.20
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	$38,521.20
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$707.27

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,480.00. 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.

2020 Chevrolet Silverado 2500HD Work Truck

⇩ View Seller Description

This low mileage second hand 2020 Chevrolet Silverado 2500HD Work Truck 4x4 pickup under 49,000 miles, automatic transmission, and 35 MPG, 6.6L gas engine is for sale right now under $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,150
Est. Payment:	$689.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	49,102
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,150.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,613.10
Avg. DMV Fee	365.00
Cash Sale Price	$40,308.10
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	$40,308.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$689.73

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,150.00. 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.

2021 Chevrolet Silverado 1500 High Country

⇩ View Seller Description

This above average mileage used 2021 Chevrolet Silverado 1500 High Country 4x4 pickup below 96,000 miles, automatic transmission, and 35 MPG, 6.2L gas engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,300
Est. Payment:	$1091.60 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	95,848
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,300.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,623.60
Avg. DMV Fee	365.00
Cash Sale Price	$40,468.60
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	$40,468.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1091.60

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,300.00. 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 Hyundai SANTA FE SEL

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE SEL AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 2.5L gas engine is for sale right now below $40K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$39,030
Est. Payment:	$724.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$39,030.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,744.70
Avg. DMV Fee	365.00
Cash Sale Price	$42,319.70
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	$42,319.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$724.15

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,030.00. 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 SONATA Hybrid Limited

⇩ View Seller Description

This low mileage used 2026 Hyundai SONATA Hybrid Limited FWD sedan under 0,000 miles, automatic transmission, and 35 MPG, 2.0L hybrid engine is for sale right now under $39K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$38,295
Est. Payment:	$710.70 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$38,295.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,693.25
Avg. DMV Fee	365.00
Cash Sale Price	$41,533.25
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	$41,533.25
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$710.70

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,295.00. 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 ELANTRA N Base

⇩ View Seller Description

This low mileage second hand 2026 Hyundai ELANTRA N Base FWD sedan below 0,000 miles, manual transmission, and 35 MPG, 2.0L gas engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,110
Est. Payment:	$689.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,110.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,610.30
Avg. DMV Fee	365.00
Cash Sale Price	$40,265.30
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	$40,265.30
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$689.00

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,110.00. 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 KONA Limited

⇩ View Seller Description

This low mileage preowned 2026 Hyundai KONA Limited AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 1.6L gas engine is for sale right now below $36K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$35,485
Est. Payment:	$659.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$35,485.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,496.55
Avg. DMV Fee	365.00
Cash Sale Price	$38,526.55
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	$38,526.55
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$659.25

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,485.00. 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

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE Hybrid SE AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $38K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$37,290
Est. Payment:	$692.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$37,290.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,622.90
Avg. DMV Fee	365.00
Cash Sale Price	$40,457.90
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	$40,457.90
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$692.30

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,290.00. 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.

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

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

2023 Lexus ES 350 Luxury

2025 Hyundai SANTA FE Calligraphy

2022 Genesis GV80 2.5T

2020 Chevrolet Silverado 2500HD Work Truck

2021 Chevrolet Silverado 1500 High Country

2026 Hyundai SANTA FE SEL

2026 Hyundai SONATA Hybrid Limited

2026 Hyundai ELANTRA N Base

2026 Hyundai KONA Limited

2026 Hyundai SANTA FE Hybrid SE

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

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

2023 Lexus ES 350 Luxury

Lexus ES 350 Luxury

2023 Lexus ES 350 Luxury Car Loan Estimate

2025 Hyundai SANTA FE Calligraphy

Hyundai SANTA FE Calligraphy

2025 Hyundai SANTA FE Calligraphy Car Loan Estimate

2022 Genesis GV80 2.5T

Genesis GV80 2.5T

2022 Genesis GV80 2.5T Car Loan Estimate

2020 Chevrolet Silverado 2500HD Work Truck

Chevrolet Silverado 2500HD Work Truck

2020 Chevrolet Silverado 2500HD Work Truck Car Loan Estimate

2021 Chevrolet Silverado 1500 High Country

Chevrolet Silverado 1500 High Country

2021 Chevrolet Silverado 1500 High Country Car Loan Estimate

2026 Hyundai SANTA FE SEL

Hyundai SANTA FE SEL

2026 Hyundai SANTA FE SEL Car Loan Estimate

2026 Hyundai SONATA Hybrid Limited

Hyundai SONATA Hybrid Limited

2026 Hyundai SONATA Hybrid Limited Car Loan Estimate

2026 Hyundai ELANTRA N Base

Hyundai ELANTRA N Base

2026 Hyundai ELANTRA N Base Car Loan Estimate

2026 Hyundai KONA Limited

Hyundai KONA Limited

2026 Hyundai KONA Limited Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SE

Hyundai SANTA FE Hybrid SE

2026 Hyundai SANTA FE Hybrid SE Car Loan Estimate

Customize Payments

Find Financing

Customize Payments