Waterloo, IA Used Cars Under $45,000 |with Payments|

2025 Kia Telluride SX X-Line

⇩ View Seller Description

This low mileage preowned 2025 Kia Telluride SX X-Line AWD SUV below 15,000 miles, automatic transmission, and 27 MPG, 3.8L gas engine is for sale right now below $44K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$43,555
Est. Payment:	$807.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,979
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$43,555.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,061.45
Avg. DMV Fee	365.00
Cash Sale Price	$47,161.45
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	$47,161.45
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$807.00

(1) Auto Finance calculations are based on the used car dealer's advertised price of $43,555.00. 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.

2026 Genesis GV70 2.5T Standard

⇩ View Seller Description

This low mileage second hand 2026 Genesis GV70 2.5T Standard AWD SUV below 6,000 miles, automatic transmission, and 27 MPG, 2.5L gas engine is for sale right now below $42K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$41,366
Est. Payment:	$766.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,351
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$41,366.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,908.22
Avg. DMV Fee	365.00
Cash Sale Price	$44,819.22
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	$44,819.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$766.92

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,366.00. 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 Hyundai PALISADE XRT Pro

⇩ View Seller Description

This low mileage certified preowned 2026 Hyundai PALISADE XRT Pro AWD SUV below 7,000 miles, automatic transmission, and 27 MPG, 3.5L gas engine is for sale right now under $43K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$42,729
Est. Payment:	$791.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,452
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$42,729.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,003.63
Avg. DMV Fee	365.00
Cash Sale Price	$46,277.63
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	$46,277.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$791.88

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,729.00. 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 Lexus ES 350 Luxury

⇩ View Seller Description

This low mileage second hand 2023 Lexus ES 350 Luxury FWD sedan under 42,000 miles, automatic transmission, and 27 MPG, 3.5L gas engine is for sale right now below $42K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$41,456
Est. Payment:	$768.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,573
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$41,456.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,914.52
Avg. DMV Fee	365.00
Cash Sale Price	$44,915.52
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	$44,915.52
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$768.57

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,456.00. 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 INFINITI QX80 Sensory

⇩ View Seller Description

This low mileage preowned 2021 INFINITI QX80 Sensory AWD SUV below 57,000 miles, automatic transmission, and 27 MPG, 5.6L gas engine is for sale right now below $43K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$42,431
Est. Payment:	$843.82 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	57,150
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$42,431.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,982.77
Avg. DMV Fee	365.00
Cash Sale Price	$45,958.77
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	$45,958.77
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$843.82

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,431.00. 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.

2026 Hyundai SANTA FE Hybrid Limited

⇩ View Seller Description

This low mileage used 2026 Hyundai SANTA FE Hybrid Limited AWD SUV under 0,000 miles, automatic transmission, and 27 MPG, 1.6L hybrid engine is for sale right now below $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,583
Est. Payment:	$825.83 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	318
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,583.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,133.41
Avg. DMV Fee	365.00
Cash Sale Price	$48,261.41
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	$48,261.41
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$825.83

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,583.00. 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 Hyundai SONATA Hybrid Limited

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SONATA Hybrid Limited FWD sedan under 0,000 miles, automatic transmission, and 27 MPG, 2.0L hybrid engine is for sale right now under $41K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$40,105
Est. Payment:	$743.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$40,105.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,819.95
Avg. DMV Fee	365.00
Cash Sale Price	$43,469.95
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	$43,469.95
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$743.84

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,105.00. 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 Hyundai SANTA FE Hybrid Limited

⇩ View Seller Description

This low mileage used 2026 Hyundai SANTA FE Hybrid Limited AWD SUV below 6,000 miles, automatic transmission, and 27 MPG, 1.6L hybrid engine is for sale right now under $44K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$43,522
Est. Payment:	$806.40 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$43,522.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,059.14
Avg. DMV Fee	365.00
Cash Sale Price	$47,126.14
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	$47,126.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$806.40

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,522.00. 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 Limited

⇩ View Seller Description

This low mileage preowned 2026 Hyundai SANTA FE Hybrid Limited AWD SUV below 7,000 miles, automatic transmission, and 27 MPG, 1.6L hybrid engine is for sale right now under $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,529
Est. Payment:	$824.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,162
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,529.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,129.63
Avg. DMV Fee	365.00
Cash Sale Price	$48,203.63
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	$48,203.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$824.84

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,529.00. 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 TUCSON Limited

⇩ View Seller Description

This low mileage used 2026 Hyundai TUCSON Limited AWD SUV below 0,000 miles, automatic transmission, and 27 MPG, 2.5L gas engine is for sale right now under $42K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$41,165
Est. Payment:	$763.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$41,165.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,894.15
Avg. DMV Fee	365.00
Cash Sale Price	$44,604.15
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	$44,604.15
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$763.24

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,165.00. 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.

Used Cars under $45,000 for Sale in Waterloo, IA

Waterloo, IA Secondhand Used Vehicles Priced Below $45,000

2025 Kia Telluride SX X-Line

2026 Genesis GV70 2.5T Standard

2026 Hyundai PALISADE XRT Pro

2023 Lexus ES 350 Luxury

2021 INFINITI QX80 Sensory

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai SONATA Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai TUCSON Limited

Used Cars under $45,000 for Sale in Waterloo, IA

Waterloo, IA Secondhand Used Vehicles Priced Below $45,000

2025 Kia Telluride SX X-Line

Kia Telluride SX X-Line

2025 Kia Telluride SX X-Line Car Loan Estimate

2026 Genesis GV70 2.5T Standard

Genesis GV70 2.5T Standard

2026 Genesis GV70 2.5T Standard Car Loan Estimate

2026 Hyundai PALISADE XRT Pro

Hyundai PALISADE XRT Pro

2026 Hyundai PALISADE XRT Pro Car Loan Estimate

2023 Lexus ES 350 Luxury

Lexus ES 350 Luxury

2023 Lexus ES 350 Luxury Car Loan Estimate

2021 INFINITI QX80 Sensory

INFINITI QX80 Sensory

2021 INFINITI QX80 Sensory Car Loan Estimate

2026 Hyundai SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

2026 Hyundai SONATA Hybrid Limited

Hyundai SONATA Hybrid Limited

2026 Hyundai SONATA Hybrid Limited Car Loan Estimate

2026 Hyundai SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

2026 Hyundai SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

2026 Hyundai TUCSON Limited

Hyundai TUCSON Limited

2026 Hyundai TUCSON Limited Car Loan Estimate

Customize Payments

Find Financing

Customize Payments