Piatt County, IL Used Cars Under $40,000

2022 Ram 1500 Lone Star

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This low mileage preowned 2022 Ram 1500 Lone Star 4x4 pickup below 26,000 miles, automatic transmission, and 23 MPG, 5.7L gas engine is for sale right now below $39K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$38,990
Est. Payment:	$747.13 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,896
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⁾	72
Car Finance Payment	$747.13

(1) Car Finance 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 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.

2024 Ford Explorer XLT

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This low mileage used 2024 Ford Explorer XLT AWD SUV below 30,000 miles, automatic transmission, and 23 MPG, 2.3L gas engine is for sale right now under $38K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$37,490
Est. Payment:	$718.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,746
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 Finance Payment	$718.64

(1) Auto Finance 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 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.

2025 Nissan Murano SL

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This low mileage used 2025 Nissan Murano SL AWD SUV under 7,000 miles, automatic transmission, and 23 MPG, 2.0L gas engine is for sale right now under $36K at Rick Ridings Ford 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
Car Finance Payment	$680.58

(1) Car Finance 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) 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.

2024 Dodge Charger Daytona Scat Pack

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

Sales Price:	$39,287
Est. Payment:	$752.77 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,568
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,287.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,340.16
Avg. DMV Fee	196.00
Cash Sale Price	$43,992.16
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	$43,992.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$752.77

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,287.00. 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 Big Horn

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This average mileage preowned 2018 Ram 2500 Big Horn 4x4 pickup below 90,000 miles, transmission, and 23 MPG, 6.7L diesel engine is for sale right now below $39K at Rick Ridings Ford 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 Ford F-150 Lariat

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This low mileage preowned 2023 Ford F-150 Lariat 4x4 pickup below 35,000 miles, automatic transmission, and 23 MPG, 2.7L gas engine is for sale right now under $40K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$766.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,526
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 Loan Payment	$766.12

(1) Car 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) 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.

2023 Ford F-150 XL

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This low mileage used 2023 Ford F-150 XL 4x4 pickup under 13,000 miles, automatic transmission, and 23 MPG, 2.7L gas engine is for sale right now under $39K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$38,990
Est. Payment:	$747.13 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,693
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⁾	72
Car Finance Payment	$747.13

(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.

2023 Ford Explorer XLT

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This low mileage second hand 2023 Ford Explorer XLT AWD SUV below 21,000 miles, automatic transmission, and 23 MPG, 2.3L gas engine is for sale right now under $37K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$36,990
Est. Payment:	$709.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,087.49
Avg. DMV Fee	196.00
Cash Sale Price	$41,442.49
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	$41,442.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$709.14

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,990.00. 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 Frontier S

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This low mileage used 2025 Nissan Frontier S 4x4 pickup under 9,000 miles, automatic transmission, and 23 MPG, 3.8L gas engine is for sale right now below $40K at Rick Ridings Ford 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.

2022 Ford F-150 XL

⇩ View Seller Description

This low mileage used 2022 Ford F-150 XL 4x4 pickup under 43,000 miles, automatic transmission, and 23 MPG, 3.5L hybrid engine is for sale right now under $38K at Rick Ridings Ford 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 Finance Payment	$718.64

(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 Piatt County, IL

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

2022 Ram 1500 Lone Star

2024 Ford Explorer XLT

2025 Nissan Murano SL

2024 Dodge Charger Daytona Scat Pack

2018 Ram 2500 Big Horn

2023 Ford F-150 Lariat

2023 Ford F-150 XL

2023 Ford Explorer XLT

2025 Nissan Frontier S

2022 Ford F-150 XL

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

2022 Ram 1500 Lone Star

Ram 1500 Lone Star

2022 Ram 1500 Lone Star Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2024 Dodge Charger Daytona Scat Pack

Dodge Charger Daytona Scat Pack

2024 Dodge Charger Daytona Scat Pack Car Loan Estimate

2018 Ram 2500 Big Horn

Ram 2500 Big Horn

2018 Ram 2500 Big Horn Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S Car Loan Estimate

2022 Ford F-150 XL

Ford F-150 XL

2022 Ford F-150 XL Car Loan Estimate

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

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