Des Moines - Ames, IA Area Used Cars Under $40,000

2021 Toyota Highlander Platinum

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This average mileage preowned 2021 Toyota Highlander Platinum AWD SUV below 79,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $36K at Fort Dodge Ford Lincoln in Fort Dodge, IA. ...View More Details

Sales Price:	$35,876
Est. Payment:	$1,070.85 / 54 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	79,015
Location:	Fort Dodge, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$35,876.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,523.92
Avg. DMV Fee	365.00
Cash Sale Price	$38,944.92
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$38,781.96
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	54
Auto Finance Payment	$1,070.85

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,876.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 54 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Toyota RAV4 XLE Premium

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This low mileage second hand 2025 Toyota RAV4 XLE Premium AWD SUV under 10,000 miles, automatic transmission, and 20 MPG, 2.5L gas engine is for sale right now under $40K at Fort Dodge Ford Lincoln in Fort Dodge, IA. ...View More Details

Sales Price:	$39,958
Est. Payment:	$1,006.29 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	10,375
Location:	Fort Dodge, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$39,958.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,809.66
Avg. DMV Fee	365.00
Cash Sale Price	$43,312.66
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$43,194.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$1,006.29

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,958.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Ram 1500 Laramie

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This low mileage second hand 2022 Ram 1500 Laramie 4x4 pickup below 44,000 miles, automatic transmission, and 20 MPG, 5.7L gas engine is for sale right now under $37K at Dewey Ford in Ankeny, IA. ...View More Details

Sales Price:	$36,921
Est. Payment:	$929.81 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	44,000
Location:	Ankeny, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$36,921.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,597.07
Avg. DMV Fee	365.00
Cash Sale Price	$40,063.07
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$39,911.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$929.81

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,921.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Chevrolet Silverado 1500 LT Trail Boss

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This average mileage second hand 2022 Chevrolet Silverado 1500 LT Trail Boss 4x4 pickup below 77,000 miles, automatic transmission, and 20 MPG, 3.0L diesel engine is for sale right now under $40K at Gregg Young Ford in Newton, IA. ...View More Details

Sales Price:	$39,921
Est. Payment:	$1,191.59 / 54 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	76,867
Location:	Newton, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$39,921.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,807.07
Avg. DMV Fee	365.00
Cash Sale Price	$43,273.07
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$43,154.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	54
Auto Loan Payment	$1,191.59

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,921.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 54 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2024 Ford Ranger XLT

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This low mileage used 2024 Ford Ranger XLT 4x4 pickup under 20,000 miles, automatic transmission, and 20 MPG, 2.3L gas engine is for sale right now under $38K at Deyarman Ford Indianola in Indianola, IA. ...View More Details

Sales Price:	$37,990
Est. Payment:	$956.73 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,430
Location:	Indianola, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$37,990.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,671.90
Avg. DMV Fee	365.00
Cash Sale Price	$41,206.90
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$41,067.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$956.73

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford Transit 250

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This low mileage second hand 2023 Ford Transit 250 RWD van below 57,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $40K at Deyarman Ford Indianola in Indianola, IA. ...View More Details

Sales Price:	$39,990
Est. Payment:	$1,057.10 / 66 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	57,131
Location:	Indianola, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,811.90
Avg. DMV Fee	365.00
Cash Sale Price	$43,346.90
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$43,229.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	66
Auto Loan Payment	$1,057.10

(1) Auto Loan 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 Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Auto Loan Interest rate of 18.86% APR and 66 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2024 Ford Explorer Limited

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This low mileage second hand 2024 Ford Explorer Limited AWD SUV below 35,000 miles, automatic transmission, and 20 MPG, 2.3L gas engine is for sale right now under $38K at Steve Link Ford Lincoln in Grinnell, IA. ...View More Details

Sales Price:	$37,881
Est. Payment:	$953.98 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	34,627
Location:	Grinnell, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$37,881.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,664.27
Avg. DMV Fee	365.00
Cash Sale Price	$41,090.27
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$40,949.36
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$953.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,881.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 GMC Sierra 1500 Limited Denali

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This above average mileage preowned 2022 GMC Sierra 1500 Limited Denali 4x4 pickup under 99,000 miles, automatic transmission, and 20 MPG, 6.2L gas engine is for sale right now under $39K at Kraig Ford in Oskaloosa, IA. ...View More Details

Sales Price:	$38,534
Est. Payment:	$1,362.39 / 42 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	98,546
Location:	Oskaloosa, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$38,534.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,709.98
Avg. DMV Fee	365.00
Cash Sale Price	$41,788.98
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$41,655.25
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	42
Auto Finance Payment	$1,362.39

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,534.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 42 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Lexus RX 350 Base

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This below average mileage used 2022 Lexus RX 350 Base AWD SUV under 63,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now under $37K at Dewey Ford in Ankeny, IA. ...View More Details

Sales Price:	$36,734
Est. Payment:	$1,027.03 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	62,628
Location:	Ankeny, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$36,734.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,583.98
Avg. DMV Fee	365.00
Cash Sale Price	$39,862.98
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$39,709.45
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Auto Loan Payment	$1,027.03

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,734.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 60 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford F-150 Platinum

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This below average mileage second hand 2023 Ford F-150 Platinum 4x4 pickup below 70,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now under $39K at Kraig Ford in Oskaloosa, IA. ...View More Details

Sales Price:	$38,721
Est. Payment:	$1,082.58 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	69,963
Location:	Oskaloosa, IA
Estimated Cash Down:	$200

Item	Amount
Used Car Price⁽¹⁾	$38,721.00
Avg. Dealer Doc Fee	180.00
IA Sales Tax (7%)	2,723.07
Avg. DMV Fee	365.00
Cash Sale Price	$41,989.07
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	200.00
Factory Rebate Incentive	0.00
Total Down Payment	$200.00
Total Loan Amount	$41,857.40
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Auto Loan Payment	$1,082.58

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,721.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 60 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

Used Cars under $40,000 for Sale in the Greater Des Moines - Ames Area

Metro Des Moines - Ames Secondhand Used Vehicles Priced Below $40,000

2021 Toyota Highlander Platinum

2025 Toyota RAV4 XLE Premium

2022 Ram 1500 Laramie

2022 Chevrolet Silverado 1500 LT Trail Boss

2024 Ford Ranger XLT

2023 Ford Transit 250

2024 Ford Explorer Limited

2022 GMC Sierra 1500 Limited Denali

2022 Lexus RX 350 Base

2023 Ford F-150 Platinum

Greater Des Moines - Ames Area Cities with Used Cars for Sale Below $40K

Metro Des Moines - Ames Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Des Moines - Ames Area

Metro Des Moines - Ames Secondhand Used Vehicles Priced Below $40,000

2021 Toyota Highlander Platinum

Toyota Highlander Platinum

2021 Toyota Highlander Platinum Poor Credit Auto Finance Estimate

2025 Toyota RAV4 XLE Premium

Toyota RAV4 XLE Premium

2025 Toyota RAV4 XLE Premium Poor Credit Car Loan Estimate

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Poor Credit Auto Loan Estimate

2022 Chevrolet Silverado 1500 LT Trail Boss

Chevrolet Silverado 1500 LT Trail Boss

2022 Chevrolet Silverado 1500 LT Trail Boss Poor Credit Auto Loan Estimate

2024 Ford Ranger XLT

Ford Ranger XLT

2024 Ford Ranger XLT Poor Credit Auto Loan Estimate

2023 Ford Transit 250

Ford Transit 250

2023 Ford Transit 250 Poor Credit Auto Loan Estimate

2024 Ford Explorer Limited

Ford Explorer Limited

2024 Ford Explorer Limited Poor Credit Car Loan Estimate

2022 GMC Sierra 1500 Limited Denali

GMC Sierra 1500 Limited Denali

2022 GMC Sierra 1500 Limited Denali Poor Credit Auto Finance Estimate

2022 Lexus RX 350 Base

Lexus RX 350 Base

2022 Lexus RX 350 Base Poor Credit Auto Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Poor Credit Auto Loan Estimate

Greater Des Moines - Ames Area Cities with Used Cars for Sale Below $40K

Metro Des Moines - Ames Area Counties with Used Cars for Sale Below $40,000

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