Monticello, IL Used Cars Under $700 a Month

2026 Chrysler Pacifica Select

⇩ View Seller Description

This low mileage second hand 2026 Chrysler Pacifica Select FWD minivan under 12,000 miles, automatic transmission, and 24 MPG, 3.6L gas engine is for sale right now under $38K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$37,990
Est. Payment:	$956.73 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	12,258
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$37,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,197.49
Avg. DMV Fee	196.00
Cash Sale Price	$42,552.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$41,067.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$956.73

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,990.00. 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 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.

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 24 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:	$931.54 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL
Estimated Cash Down:	$1,500

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⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$39,986.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$931.54

(1) Auto 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) 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 72 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 Ford Explorer Active

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This low mileage preowned 2025 Ford Explorer Active AWD SUV under 16,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now under $38K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$37,790
Est. Payment:	$951.69 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	16,494
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$37,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,175.49
Avg. DMV Fee	196.00
Cash Sale Price	$42,330.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$40,850.99
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$951.69

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,790.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 72 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.

2023 Ford Explorer XLT

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This low mileage preowned 2023 Ford Explorer XLT AWD SUV below 22,000 miles, automatic transmission, and 24 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:	$931.54 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	21,524
Location:	Monticello, IL
Estimated Cash Down:	$1,500

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⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$39,986.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$931.54

(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 115%.

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

2023 Ford Explorer XLT

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This low mileage preowned 2023 Ford Explorer XLT AWD SUV below 26,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now under $36K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$35,790
Est. Payment:	$901.32 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	26,136
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$35,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,955.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,110.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$38,688.99
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$901.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,790.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

Used Cars under $700 per month for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles with Payments Below $700 / Month

2026 Chrysler Pacifica Select

2023 Ford Explorer XLT

2025 Ford Explorer Active

2023 Ford Explorer XLT

2023 Ford Explorer XLT

Used Cars under $700 per month for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles with Payments Below $700 / Month

2026 Chrysler Pacifica Select

Chrysler Pacifica Select

2026 Chrysler Pacifica Select Poor Credit Auto Finance Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Auto Loan Estimate

2025 Ford Explorer Active

Ford Explorer Active

2025 Ford Explorer Active Poor Credit Auto Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Car Finance Estimate

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