Monticello, IL Used Cars Under $450 a Month

2022 Ford Escape SE

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This low mileage preowned 2022 Ford Escape SE AWD SUV below 23,000 miles, automatic transmission, and 28 MPG, 1.5L gas engine is for sale right now below $22K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$21,790
Est. Payment:	$420.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,438
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$21,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,415.49
Avg. DMV Fee	196.00
Cash Sale Price	$24,570.49
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	$24,570.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$420.44

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,790.00. 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.

2025 Kia K4 LXS

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This low mileage used 2025 Kia K4 LXS FWD sedan below 25,000 miles, cvt transmission, and 28 MPG, 2.0L gas engine is for sale right now below $23K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$22,490
Est. Payment:	$433.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,969
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$22,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,492.49
Avg. DMV Fee	196.00
Cash Sale Price	$25,347.49
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	$25,347.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$433.73

(1) Car Finance calculations are based on the used car dealer's advertised price of $22,490.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Escape Active

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This low mileage second hand 2023 Ford Escape Active AWD SUV under 31,000 miles, automatic transmission, and 28 MPG, 1.5L gas engine is for sale right now under $23K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$22,990
Est. Payment:	$443.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,303
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$25,902.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$443.23

(1) Auto Loan 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) 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.

2024 Ford Escape Active

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This low mileage preowned 2024 Ford Escape Active FWD SUV under 12,000 miles, automatic transmission, and 28 MPG, 1.5L gas engine is for sale right now below $23K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$22,990
Est. Payment:	$443.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,768
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$25,902.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$443.23

(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 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.

2025 Kia K4 EX

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This low mileage preowned 2025 Kia K4 EX FWD sedan below 19,000 miles, cvt transmission, and 28 MPG, 2.0L gas engine is for sale right now under $23K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$22,990
Est. Payment:	$443.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,527
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$25,902.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$443.23

(1) Auto 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) 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 Kia K4 EX

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This low mileage preowned 2025 Kia K4 EX FWD sedan under 16,000 miles, cvt transmission, and 28 MPG, 2.0L gas engine is for sale right now under $24K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$23,990
Est. Payment:	$462.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,739
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,657.49
Avg. DMV Fee	196.00
Cash Sale Price	$27,012.49
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	$27,012.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$462.22

(1) Car Finance calculations are based on the used car dealer's advertised price of $23,990.00. 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.

2023 Ford Escape Active

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This low mileage used 2023 Ford Escape Active AWD SUV under 27,000 miles, automatic transmission, and 28 MPG, 1.5L gas engine is for sale right now below $24K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$23,990
Est. Payment:	$462.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,476
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,657.49
Avg. DMV Fee	196.00
Cash Sale Price	$27,012.49
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	$27,012.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$462.22

(1) Car Loan calculations are based on the used car dealer's advertised price of $23,990.00. 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 Nissan Rogue SV

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This low mileage preowned 2023 Nissan Rogue SV AWD SUV below 31,000 miles, cvt transmission, and 28 MPG, 1.5L gas engine is for sale right now under $24K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$23,490
Est. Payment:	$452.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,429
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$26,457.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$452.73

(1) Auto Loan 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 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 Nissan Rogue S

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This low mileage second hand 2023 Nissan Rogue S AWD SUV under 29,000 miles, cvt transmission, and 28 MPG, 1.5L gas engine is for sale right now under $24K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$23,790
Est. Payment:	$458.43 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,203
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,635.49
Avg. DMV Fee	196.00
Cash Sale Price	$26,790.49
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	$26,790.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$458.43

(1) Car Loan calculations are based on the used car dealer's advertised price of $23,790.00. 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.

2015 BMW 4 Series 428i xDrive

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This above average mileage second hand 2015 BMW 4 Series 428i xDrive AWD coupe below 91,000 miles, automatic transmission, and 28 MPG, 2.0L gas engine is for sale right now under $14K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$13,990
Est. Payment:	$429.22 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,689
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$13,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,557.49
Avg. DMV Fee	196.00
Cash Sale Price	$15,912.49
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	$15,912.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$429.22

(1) Car Loan calculations are based on the used car dealer's advertised price of $13,990.00. 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 42 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.

Used Cars under $450 per month for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles with Payments Below $450 / Month

2022 Ford Escape SE

2025 Kia K4 LXS

2023 Ford Escape Active

2024 Ford Escape Active

2025 Kia K4 EX

2025 Kia K4 EX

2023 Ford Escape Active

2023 Nissan Rogue SV

2023 Nissan Rogue S

2015 BMW 4 Series 428i xDrive

Used Cars under $450 per month for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles with Payments Below $450 / Month

2022 Ford Escape SE

Ford Escape SE

2022 Ford Escape SE Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Car Loan Estimate

2023 Ford Escape Active

Ford Escape Active

2023 Ford Escape Active Car Loan Estimate

2024 Ford Escape Active

Ford Escape Active

2024 Ford Escape Active Car Loan Estimate

2025 Kia K4 EX

Kia K4 EX

2025 Kia K4 EX Car Loan Estimate

2025 Kia K4 EX

Kia K4 EX

2025 Kia K4 EX Car Loan Estimate

2023 Ford Escape Active

Ford Escape Active

2023 Ford Escape Active Car Loan Estimate

2023 Nissan Rogue SV

Nissan Rogue SV

2023 Nissan Rogue SV Car Loan Estimate

2023 Nissan Rogue S

Nissan Rogue S

2023 Nissan Rogue S Car Loan Estimate

2015 BMW 4 Series 428i xDrive

BMW 4 Series 428i xDrive

2015 BMW 4 Series 428i xDrive Car Loan Estimate

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