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

2025 Ford Explorer Active

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

Sales Price:	$37,790
Est. Payment:	$724.34 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,494
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,330.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$724.34

(1) Car 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) 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.

2018 Ram 2500 Big Horn

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This average mileage second hand 2018 Ram 2500 Big Horn 4x4 pickup below 90,000 miles, transmission, and 24 MPG, 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.

2024 Ford F-150 XLT

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This low mileage second hand 2024 Ford F-150 XLT 4x4 pickup under 35,000 miles, automatic transmission, and 24 MPG, 3.5L hybrid engine is for sale right now under $39K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$38,187
Est. Payment:	$731.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,188
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,219.16
Avg. DMV Fee	196.00
Cash Sale Price	$42,771.16
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	$42,771.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$731.88

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,187.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Lincoln Corsair Premiere

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This low mileage used 2025 Lincoln Corsair Premiere AWD SUV under 7,000 miles, automatic transmission, and 24 MPG, 2.0L 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:	6,921
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 preowned 2025 Nissan Murano SL AWD SUV below 2,000 miles, automatic transmission, and 24 MPG, 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:	2,466
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
Auto Finance Payment	$688.17

(1) Auto 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) 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 Explorer ST-Line

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This low mileage second hand 2023 Ford Explorer ST-Line AWD SUV under 21,000 miles, automatic transmission, and 24 MPG, 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:	20,731
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
Auto Finance Payment	$747.13

(1) Auto 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) 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.

2017 Chevrolet Silverado 3500HD LTZ

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This above average mileage preowned 2017 Chevrolet Silverado 3500HD LTZ 4x4 pickup below 93,000 miles, automatic transmission, and 24 MPG, 6.6L diesel engine is for sale right now below $36K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$35,992
Est. Payment:	$1087.99 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	93,125
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,992.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.71
Avg. DMV Fee	196.00
Cash Sale Price	$40,334.71
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	$40,334.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1087.99

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,992.00. 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.

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:	$709.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,442.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$709.14

(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 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 XLT

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This low mileage second hand 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:	$686.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,136
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,110.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$686.35

(1) Auto 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) 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.

2024 Ford Explorer XLT

⇩ View Seller Description

This low mileage preowned 2024 Ford Explorer XLT AWD SUV below 30,000 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:	$37,490
Est. Payment:	$718.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,746
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 Finance Payment	$718.64

(1) Car Finance 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 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.

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

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

2025 Ford Explorer Active

2018 Ram 2500 Big Horn

2024 Ford F-150 XLT

2025 Lincoln Corsair Premiere

2025 Nissan Murano SL

2023 Ford Explorer ST-Line

2017 Chevrolet Silverado 3500HD LTZ

2023 Ford Explorer XLT

2023 Ford Explorer XLT

2024 Ford Explorer XLT

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

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

2025 Ford Explorer Active

Ford Explorer Active

2025 Ford Explorer Active Car Loan Estimate

2018 Ram 2500 Big Horn

Ram 2500 Big Horn

2018 Ram 2500 Big Horn Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2025 Lincoln Corsair Premiere Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2023 Ford Explorer ST-Line

Ford Explorer ST-Line

2023 Ford Explorer ST-Line Car Loan Estimate

2017 Chevrolet Silverado 3500HD LTZ

Chevrolet Silverado 3500HD LTZ

2017 Chevrolet Silverado 3500HD LTZ Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Car Loan Estimate

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