Piatt County, IL Used Cars Under $45,000

2026 Chevrolet Traverse LT

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This low mileage second hand 2026 Chevrolet Traverse LT 4x4 SUV under 28,000 miles, automatic transmission, and 2.5L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,990
Est. Payment:	$823.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,157
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,747.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,102.49
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	$48,102.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$823.11

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,990.00. 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 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.

2023 Ford F-150 Lariat

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This low mileage second hand 2023 Ford F-150 Lariat 4x4 pickup under 21,000 miles, automatic transmission, and 2.7L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,488
Est. Payment:	$813.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,488.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,692.27
Avg. DMV Fee	196.00
Cash Sale Price	$47,545.27
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	$47,545.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$813.57

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,488.00. 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 XL

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This low mileage used 2023 Ford F-150 XL 4x4 pickup under 21,000 miles, automatic transmission, and 2.7L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,187
Est. Payment:	$807.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,177
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,659.16
Avg. DMV Fee	196.00
Cash Sale Price	$47,211.16
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	$47,211.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$807.85

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,187.00. 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.

2023 Ram 1500 Big Horn

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This low mileage second hand 2023 Ram 1500 Big Horn 4x4 pickup below 28,000 miles, automatic transmission, and 5.7L hybrid engine is for sale right now below $41K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$40,790
Est. Payment:	$781.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,262
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,505.49
Avg. DMV Fee	196.00
Cash Sale Price	$45,660.49
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	$45,660.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$781.32

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,790.00. 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.

2024 Ford Mustang GT

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This low mileage second hand 2024 Ford Mustang GT RWD coupe below 6,000 miles, transmission, and 5.0L gas engine is for sale right now under $45K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$44,990
Est. Payment:	$861.09 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,360
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$44,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,967.49
Avg. DMV Fee	196.00
Cash Sale Price	$50,322.49
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	$50,322.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$861.09

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,990.00. 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 Platinum

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This low mileage second hand 2023 Ford F-150 Platinum 4x4 pickup under 15,000 miles, automatic transmission, and 3.5L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,887
Est. Payment:	$821.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,999
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,887.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,736.16
Avg. DMV Fee	196.00
Cash Sale Price	$47,988.16
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	$47,988.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$821.15

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,887.00. 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.

2023 Ford F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup under 19,000 miles, automatic transmission, and 2.7L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,790
Est. Payment:	$819.31 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,751
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,725.49
Avg. DMV Fee	196.00
Cash Sale Price	$47,880.49
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	$47,880.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$819.31

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,790.00. 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 Chevrolet Traverse LT

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This low mileage second hand 2026 Chevrolet Traverse LT 4x4 SUV below 22,000 miles, automatic transmission, and 2.5L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,990
Est. Payment:	$823.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,044
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,747.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,102.49
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	$48,102.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$823.11

(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 Pathfinder Platinum

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This low mileage second hand 2025 Nissan Pathfinder Platinum FWD SUV below 5,000 miles, automatic transmission, and 3.5L gas engine is for sale right now under $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,490
Est. Payment:	$794.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,662
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,582.49
Avg. DMV Fee	196.00
Cash Sale Price	$46,437.49
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	$46,437.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$794.62

(1) Auto Loan calculations are based on the used car dealer's advertised price of $41,490.00. 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 Chevrolet Silverado 1500 LT

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This low mileage used 2025 Chevrolet Silverado 1500 LT 4x4 pickup below 31,000 miles, automatic transmission, and 5.3L gas engine is for sale right now under $41K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$40,287
Est. Payment:	$771.77 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,404
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,287.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,450.16
Avg. DMV Fee	196.00
Cash Sale Price	$45,102.16
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	$45,102.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$771.77

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,287.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 $45,000 for Sale in Piatt County, IL

Piatt County, IL Secondhand Used Vehicles Priced Below $45,000

2026 Chevrolet Traverse LT

2023 Ford F-150 Lariat

2023 Ford F-150 XL

2023 Ram 1500 Big Horn

2024 Ford Mustang GT

2023 Ford F-150 Platinum

2023 Ford F-150 XL

2026 Chevrolet Traverse LT

2025 Nissan Pathfinder Platinum

2025 Chevrolet Silverado 1500 LT

Piatt County Cities with Used Cars for Sale Below $45K

Used Cars under $45,000 for Sale in Piatt County, IL

Piatt County, IL Secondhand Used Vehicles Priced Below $45,000

2026 Chevrolet Traverse LT

Chevrolet Traverse LT

2026 Chevrolet Traverse LT 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 Ram 1500 Big Horn

Ram 1500 Big Horn

2023 Ram 1500 Big Horn Car Loan Estimate

2024 Ford Mustang GT

Ford Mustang GT

2024 Ford Mustang GT Car Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2026 Chevrolet Traverse LT

Chevrolet Traverse LT

2026 Chevrolet Traverse LT Car Loan Estimate

2025 Nissan Pathfinder Platinum

Nissan Pathfinder Platinum

2025 Nissan Pathfinder Platinum Car Loan Estimate

2025 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2025 Chevrolet Silverado 1500 LT Car Loan Estimate

Piatt County Cities with Used Cars for Sale Below $45K

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