Piatt County, IL Used Cars Under $40,000

2023 Ford Explorer XLT

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This low mileage second hand 2023 Ford Explorer XLT AWD SUV under 26,000 miles, a transmission, and 18 MPG, 2.3L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,290
Est. Payment:	$676.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,136
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,290.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,900.49
Avg. DMV Fee	196.00
Cash Sale Price	$39,555.49
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	$39,555.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$676.85

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,290.00. 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.

2023 Ford F-150 XLT

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This low mileage preowned 2023 Ford F-150 XLT 4X4 pickup under 30,000 miles, a transmission, and 18 MPG, 2.7L gas engine is for sale right now below $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,187
Est. Payment:	$731.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,133
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,219.16
Avg. DMV Fee	196.00
Cash Sale Price	$42,771.16
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	$42,771.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$731.88

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,187.00. 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.

2018 Ram 2500 SLT

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This average mileage second hand 2018 Ram 2500 SLT 4X4 pickup under 90,000 miles, transmission, and 18 MPG, 6.7L diesel engine is for sale right now under $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,990
Est. Payment:	$1048.19 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	89,575
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,307.49
Avg. DMV Fee	196.00
Cash Sale Price	$43,662.49
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	$43,662.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Loan Payment	$1048.19

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 48 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.

2023 Ram 1500 Big Horn

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This low mileage used 2023 Ram 1500 Big Horn 4X4 pickup under 28,000 miles, a transmission, and 18 MPG, 5.7L hybrid engine is for sale right now below $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,884
Est. Payment:	$764.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,262
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,884.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,405.83
Avg. DMV Fee	196.00
Cash Sale Price	$44,654.83
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	$44,654.83
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$764.11

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,884.00. 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 Ford F-150 XLT

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This low mileage preowned 2022 Ford F-150 XLT 4X4 pickup under 43,000 miles, a transmission, and 18 MPG, 3.5L hybrid engine is for sale right now below $38K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$37,490
Est. Payment:	$718.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,744
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$37,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,142.49
Avg. DMV Fee	196.00
Cash Sale Price	$41,997.49
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	$41,997.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$718.64

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,490.00. 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 Ford Ranger XLT

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This low mileage used 2025 Ford Ranger XLT 4X4 pickup below 4,000 miles, a transmission, and 18 MPG, 2.3L gas engine is for sale right now below $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,268
Est. Payment:	$733.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,618
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,268.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,228.07
Avg. DMV Fee	196.00
Cash Sale Price	$42,861.07
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	$42,861.07
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$733.42

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,268.00. 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.

2024 Dodge Charger Daytona Scat Pack

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This low mileage used 2024 Dodge Charger Daytona Scat Pack AWD coupe below 9,000 miles, a transmission, and 0.0L electric engine is for sale right now under $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,187
Est. Payment:	$750.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,568
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,329.16
Avg. DMV Fee	196.00
Cash Sale Price	$43,881.16
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	$43,881.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$750.87

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,187.00. 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 Kia Telluride S

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This low mileage used 2025 Kia Telluride S FWD SUV under 22,000 miles, a transmission, and 18 MPG, 3.8L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$690.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,042
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,332.49
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	$40,332.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$690.15

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2025 Nissan Murano SL

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This low mileage preowned 2025 Nissan Murano SL AWD SUV under 7,000 miles, a transmission, and 18 MPG, 2.0L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,486
Est. Payment:	$680.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,835
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,486.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,922.05
Avg. DMV Fee	196.00
Cash Sale Price	$39,773.05
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	$39,773.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$680.58

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,486.00. 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 Nissan Frontier PRO-4X

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This low mileage preowned 2025 Nissan Frontier PRO-4X 4X4 pickup below 9,000 miles, a transmission, and 18 MPG, 3.8L gas engine is for sale right now below $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$766.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,369
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.49
Avg. DMV Fee	196.00
Cash Sale Price	$44,772.49
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	$44,772.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$766.12

(1) Car Finance 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) 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 $40,000 for Sale in Piatt County, IL

Piatt County, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford Explorer XLT

2023 Ford F-150 XLT

2018 Ram 2500 SLT

2023 Ram 1500 Big Horn

2022 Ford F-150 XLT

2025 Ford Ranger XLT

2024 Dodge Charger Daytona Scat Pack

2025 Kia Telluride S

2025 Nissan Murano SL

2025 Nissan Frontier PRO-4X

Piatt County Cities with Used Cars for Sale Below $40K

Used Cars under $40,000 for Sale in Piatt County, IL

Piatt County, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2018 Ram 2500 SLT

Ram 2500 SLT

2018 Ram 2500 SLT Car Loan Estimate

2023 Ram 1500 Big Horn

Ram 1500 Big Horn

2023 Ram 1500 Big Horn Car Loan Estimate

2022 Ford F-150 XLT

Ford F-150 XLT

2022 Ford F-150 XLT Car Loan Estimate

2025 Ford Ranger XLT

Ford Ranger XLT

2025 Ford Ranger XLT Car Loan Estimate

2024 Dodge Charger Daytona Scat Pack

Dodge Charger Daytona Scat Pack

2024 Dodge Charger Daytona Scat Pack Car Loan Estimate

2025 Kia Telluride S

Kia Telluride S

2025 Kia Telluride S Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2025 Nissan Frontier PRO-4X

Nissan Frontier PRO-4X

2025 Nissan Frontier PRO-4X Car Loan Estimate

Piatt County Cities with Used Cars for Sale Below $40K

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