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

2023 Genesis GV80 3.5T

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This average mileage second hand 2023 Genesis GV80 3.5T AWD SUV under 87,000 miles, automatic transmission, and 35 MPG, 3.5L gas engine is for sale right now below $43K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$42,945
Est. Payment:	$1116.52 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	86,932
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$42,945.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,018.75
Avg. DMV Fee	365.00
Cash Sale Price	$46,508.75
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	$46,508.75
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$1116.52

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,945.00. 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 48 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 LTZ

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This high mileage second hand 2020 Chevrolet Silverado 2500HD LTZ 4x4 pickup below 122,000 miles, automatic transmission, and 35 MPG, 6.6L gas engine is for sale right now below $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,372
Est. Payment:	$1752.87 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	122,386
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,372.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,118.64
Avg. DMV Fee	365.00
Cash Sale Price	$48,035.64
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	$48,035.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Loan Payment	$1752.87

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,372.00. 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 30 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

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This low mileage preowned 2026 Hyundai SANTA FE Hybrid Limited AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now under $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,823
Est. Payment:	$830.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,823.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,150.21
Avg. DMV Fee	365.00
Cash Sale Price	$48,518.21
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	$48,518.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$830.22

(1) Auto Finance calculations are based on the used car dealer's advertised price of $44,823.00. 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 Hyundai TUCSON Limited

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This low mileage used 2026 Hyundai TUCSON Limited AWD SUV below 0,000 miles, automatic transmission, and 35 MPG, 2.5L gas engine is for sale right now under $41K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$40,875
Est. Payment:	$757.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$40,875.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,873.85
Avg. DMV Fee	365.00
Cash Sale Price	$44,293.85
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	$44,293.85
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$757.93

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,875.00. 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 SE

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This low mileage preowned 2026 Hyundai PALISADE SE AWD SUV below 0,000 miles, automatic transmission, and 35 MPG, 3.5L gas engine is for sale right now under $43K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$42,885
Est. Payment:	$794.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$42,885.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,014.55
Avg. DMV Fee	365.00
Cash Sale Price	$46,444.55
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	$46,444.55
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$794.74

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,885.00. 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 Hyundai SANTA FE Hybrid Limited

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This low mileage second hand 2026 Hyundai SANTA FE Hybrid Limited AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now under $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,333
Est. Payment:	$821.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	318
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,333.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,115.91
Avg. DMV Fee	365.00
Cash Sale Price	$47,993.91
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	$47,993.91
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$821.25

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,333.00. 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

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This low mileage preowned 2026 Hyundai SANTA FE Hybrid Limited AWD SUV under 6,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now under $44K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$43,272
Est. Payment:	$801.82 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,990
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$43,272.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,041.64
Avg. DMV Fee	365.00
Cash Sale Price	$46,858.64
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	$46,858.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$801.82

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,272.00. 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 SANTA FE Hybrid Limited

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This low mileage used 2026 Hyundai SANTA FE Hybrid Limited AWD SUV below 0,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $45K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$44,942
Est. Payment:	$832.40 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$44,942.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,158.54
Avg. DMV Fee	365.00
Cash Sale Price	$48,645.54
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	$48,645.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$832.40

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,942.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 CRUZ Limited

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This low mileage preowned 2026 Hyundai SANTA CRUZ Limited AWD pickup below 0,000 miles, automatic transmission, and 35 MPG, 2.5L gas engine is for sale right now under $42K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$41,483
Est. Payment:	$769.07 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$41,483.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,916.41
Avg. DMV Fee	365.00
Cash Sale Price	$44,944.41
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	$44,944.41
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$769.07

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,483.00. 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

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This low mileage used 2026 Hyundai SANTA FE Hybrid Limited AWD SUV under 0,000 miles, automatic transmission, and 35 MPG, 1.6L hybrid engine is for sale right now under $44K at C&S Hyundai in Waterloo, IA. ...View More Details

Sales Price:	$43,609
Est. Payment:	$807.99 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	55
Location:	Waterloo, IA

Item	Amount
Used Car Price⁽¹⁾	$43,609.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	3,065.23
Avg. DMV Fee	365.00
Cash Sale Price	$47,219.23
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	$47,219.23
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$807.99

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,609.00. 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 $45,000 for Sale in Waterloo, IA

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

2023 Genesis GV80 3.5T

2020 Chevrolet Silverado 2500HD LTZ

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai TUCSON Limited

2026 Hyundai PALISADE SE

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA CRUZ Limited

2026 Hyundai SANTA FE Hybrid Limited

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

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

2023 Genesis GV80 3.5T

Genesis GV80 3.5T

2023 Genesis GV80 3.5T Car Loan Estimate

2020 Chevrolet Silverado 2500HD LTZ

Chevrolet Silverado 2500HD LTZ

2020 Chevrolet Silverado 2500HD LTZ 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

2026 Hyundai PALISADE SE

Hyundai PALISADE SE

2026 Hyundai PALISADE SE 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 SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

2026 Hyundai SANTA CRUZ Limited

Hyundai SANTA CRUZ Limited

2026 Hyundai SANTA CRUZ Limited Car Loan Estimate

2026 Hyundai SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2026 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

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