Monticello, IL Used Cars for Bad Credit with Auto Loan Payments

2025 Kia K4 EX

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This low mileage second hand 2025 Kia K4 EX FWD sedan below 19,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now under $23K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$22,990
Est. Payment:	$578.97 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	18,527
Location:	Monticello, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$22,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,547.49
Avg. DMV Fee	196.00
Cash Sale Price	$25,902.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$24,852.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$578.97

(1) Car Finance calculations are based on the used car dealer's advertised price of $22,990.00. 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 115%.

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

2018 Jeep Cherokee Latitude

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This high mileage second hand 2018 Jeep Cherokee Latitude FWD SUV below 128,000 miles, a transmission, and 31 MPG, 2.4L gas engine is for sale right now below $10K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$9,490
Est. Payment:	$431.52 / 30 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	128,359
Location:	Monticello, IL
Estimated Cash Down:	$700

Item	Amount
Used Car Price⁽¹⁾	$9,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,062.49
Avg. DMV Fee	196.00
Cash Sale Price	$10,917.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$10,258.69
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	30
Auto Finance Payment	$431.52

(1) Auto Finance calculations are based on the used car dealer's advertised price of $9,490.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 30 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.

2014 Ford Escape SE

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This high mileage preowned 2014 Ford Escape SE FWD SUV below 108,000 miles, a transmission, and 31 MPG, 1.6L gas engine is for sale right now below $8K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$7,990
Est. Payment:	$315.99 / 36 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	108,196
Location:	Monticello, IL
Estimated Cash Down:	$700

Item	Amount
Used Car Price⁽¹⁾	$7,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	897.49
Avg. DMV Fee	196.00
Cash Sale Price	$9,252.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$8,637.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	36
Car Finance Payment	$315.99

(1) Car Finance calculations are based on the used car dealer's advertised price of $7,990.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 36 month car 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 Hyundai KONA SEL

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This low mileage used 2025 Hyundai KONA SEL AWD SUV below 22,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now below $24K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$23,590
Est. Payment:	$594.08 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	22,284
Location:	Monticello, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$23,590.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,613.49
Avg. DMV Fee	196.00
Cash Sale Price	$26,568.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$25,500.79
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$594.08

(1) Car Finance calculations are based on the used car dealer's advertised price of $23,590.00. 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 115%.

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

2014 Ford F-150 FX4

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This high mileage preowned 2014 Ford F-150 FX4 4X4 pickup under 158,000 miles, a transmission, and 31 MPG, 3.5L gas engine is for sale right now under $13K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$12,690
Est. Payment:	$577.02 / 30 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	157,795
Location:	Monticello, IL
Estimated Cash Down:	$800

Item	Amount
Used Car Price⁽¹⁾	$12,690.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,414.49
Avg. DMV Fee	196.00
Cash Sale Price	$14,469.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	800.00
Factory Rebate Incentive	0.00
Total Down Payment	$800.00
Total Loan Amount	$13,717.89
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	30
Auto Loan Payment	$577.02

(1) Auto Loan calculations are based on the used car dealer's advertised price of $12,690.00. 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 30 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.

2025 Kia K4 LXS

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This low mileage used 2025 Kia K4 LXS FWD sedan under 4,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now below $24K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$23,490
Est. Payment:	$591.56 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	4,237
Location:	Monticello, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$23,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,602.49
Avg. DMV Fee	196.00
Cash Sale Price	$26,457.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$25,392.69
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$591.56

(1) Auto Finance calculations are based on the used car dealer's advertised price of $23,490.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 72 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.

2024 Jeep Compass Latitude

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This below average mileage second hand 2024 Jeep Compass Latitude 4X4 SUV below 64,000 miles, a transmission, and 31 MPG, 2.0L gas engine is for sale right now under $21K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$20,990
Est. Payment:	$586.85 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	63,835
Location:	Monticello, IL
Estimated Cash Down:	$1,000

Item	Amount
Used Car Price⁽¹⁾	$20,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,327.49
Avg. DMV Fee	196.00
Cash Sale Price	$23,682.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$22,690.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Car Finance Payment	$586.85

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,990.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 60 month car 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 Kia K4 LXS

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This low mileage second hand 2025 Kia K4 LXS FWD sedan below 25,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now below $22K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$21,990
Est. Payment:	$553.79 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	24,969
Location:	Monticello, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$21,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,437.49
Avg. DMV Fee	196.00
Cash Sale Price	$24,792.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$23,771.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$553.79

(1) Car Finance calculations are based on the used car dealer's advertised price of $21,990.00. 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 115%.

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

2014 Ford Escape SE

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This high mileage preowned 2014 Ford Escape SE FWD SUV below 106,000 miles, a transmission, and 31 MPG, 1.6L gas engine is for sale right now under $9K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$8,490
Est. Payment:	$335.77 / 36 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	106,345
Location:	Monticello, IL
Estimated Cash Down:	$700

Item	Amount
Used Car Price⁽¹⁾	$8,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	952.49
Avg. DMV Fee	196.00
Cash Sale Price	$9,807.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$9,177.69
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	36
Auto Loan Payment	$335.77

(1) Auto Loan calculations are based on the used car dealer's advertised price of $8,490.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 36 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.

2017 Mazda Mazda6 Grand Touring

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This above average mileage preowned 2017 Mazda Mazda6 Grand Touring FWD sedan under 95,000 miles, a transmission, and 31 MPG, 2.5L gas engine is for sale right now under $16K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$15,990
Est. Payment:	$565.33 / 42 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	94,939
Location:	Monticello, IL
Estimated Cash Down:	$900

Item	Amount
Used Car Price⁽¹⁾	$15,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,777.49
Avg. DMV Fee	196.00
Cash Sale Price	$18,132.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	900.00
Factory Rebate Incentive	0.00
Total Down Payment	$900.00
Total Loan Amount	$17,285.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	42
Auto Finance Payment	$565.33

(1) Auto Finance calculations are based on the used car dealer's advertised price of $15,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

Used Cars for Bad Credit in Monticello, IL

Monticello, IL Car Dealerships for Bad Credit

2025 Kia K4 EX

2018 Jeep Cherokee Latitude

2014 Ford Escape SE

2025 Hyundai KONA SEL

2014 Ford F-150 FX4

2025 Kia K4 LXS

2024 Jeep Compass Latitude

2025 Kia K4 LXS

2014 Ford Escape SE

2017 Mazda Mazda6 Grand Touring

Used Cars for Bad Credit in Monticello, IL

Monticello, IL Car Dealerships for Bad Credit

2025 Kia K4 EX

Kia K4 EX

2025 Kia K4 EX Poor Credit Car Finance Estimate

2018 Jeep Cherokee Latitude

Jeep Cherokee Latitude

2018 Jeep Cherokee Latitude Poor Credit Auto Finance Estimate

2014 Ford Escape SE

Ford Escape SE

2014 Ford Escape SE Poor Credit Car Finance Estimate

2025 Hyundai KONA SEL

Hyundai KONA SEL

2025 Hyundai KONA SEL Poor Credit Car Finance Estimate

2014 Ford F-150 FX4

Ford F-150 FX4

2014 Ford F-150 FX4 Poor Credit Auto Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Poor Credit Auto Finance Estimate

2024 Jeep Compass Latitude

Jeep Compass Latitude

2024 Jeep Compass Latitude Poor Credit Car Finance Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Poor Credit Car Finance Estimate

2014 Ford Escape SE

Ford Escape SE

2014 Ford Escape SE Poor Credit Auto Loan Estimate

2017 Mazda Mazda6 Grand Touring

Mazda Mazda6 Grand Touring

2017 Mazda6 Grand Touring Poor Credit Auto Finance Estimate

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