Monticello, IL Used Cars Under $40,000 |with Payments|

2024 Dodge Charger Daytona Scat Pack

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This low mileage preowned 2024 Dodge Charger Daytona Scat Pack AWD coupe below 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
Auto Loan Payment	$752.77

(1) Auto 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) 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 Explorer XLT

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This low mileage used 2024 Ford Explorer XLT AWD SUV under 27,000 miles, automatic transmission, and 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:	27,042
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
Car Loan Payment	$718.64

(1) Car Loan 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) 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 Murano SL

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This low mileage second hand 2025 Nissan Murano SL AWD SUV below 4,000 miles, automatic transmission, and 2.0L gas engine is for sale right now under $36K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$35,886
Est. Payment:	$688.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,594
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,886.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,966.05
Avg. DMV Fee	196.00
Cash Sale Price	$40,217.05
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	$40,217.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$688.17

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,886.00. 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 Nissan Murano SL

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This low mileage used 2025 Nissan Murano SL AWD SUV below 11,000 miles, automatic transmission, and 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:	10,889
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.

2023 Ford F-150 XL

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This low mileage used 2023 Ford F-150 XL 4x4 pickup below 30,000 miles, automatic transmission, and 2.7L gas engine is for sale right now under $39K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$38,287
Est. Payment:	$733.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,133
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,287.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,230.16
Avg. DMV Fee	196.00
Cash Sale Price	$42,882.16
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	$42,882.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.78

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,287.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Explorer Limited

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This low mileage used 2023 Ford Explorer Limited AWD SUV under 19,000 miles, automatic transmission, and 2.3L 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:	18,679
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.

2023 Ford F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup under 13,000 miles, automatic transmission, and 2.7L 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:	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 Loan Payment	$747.13

(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 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 Murano SL

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This low mileage used 2025 Nissan Murano SL AWD SUV under 7,000 miles, automatic transmission, and 2.0L gas engine is for sale right now below $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 Loan Payment	$680.58

(1) Car Loan 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 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.

2022 Ram 1500 Lone Star

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This low mileage second hand 2022 Ram 1500 Lone Star 4x4 pickup under 26,000 miles, automatic transmission, and 5.7L 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:	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

(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.

2018 Ram 2500 Big Horn

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This average mileage used 2018 Ram 2500 Big Horn 4x4 pickup below 90,000 miles, transmission, and 6.7L diesel engine is for sale right now under $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
Auto Loan Payment	$1048.19

(1) Auto 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) 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 48 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.

Used Cars under $40,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $40,000

2024 Dodge Charger Daytona Scat Pack

2024 Ford Explorer XLT

2025 Nissan Murano SL

2025 Nissan Murano SL

2023 Ford F-150 XL

2023 Ford Explorer Limited

2023 Ford F-150 XL

2025 Nissan Murano SL

2022 Ram 1500 Lone Star

2018 Ram 2500 Big Horn

Used Cars under $40,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $40,000

2024 Dodge Charger Daytona Scat Pack

Dodge Charger Daytona Scat Pack

2024 Dodge Charger Daytona Scat Pack 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

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ford Explorer Limited

Ford Explorer Limited

2023 Ford Explorer Limited Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2022 Ram 1500 Lone Star

Ram 1500 Lone Star

2022 Ram 1500 Lone Star Car Loan Estimate

2018 Ram 2500 Big Horn

Ram 2500 Big Horn

2018 Ram 2500 Big Horn Car Loan Estimate

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