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

2023 Ford Explorer XLT

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This low mileage second hand 2023 Ford Explorer XLT AWD SUV under 23,000 miles, a transmission, and 25 MPG, 2.3L gas engine is for sale right now below $37K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$36,490
Est. Payment:	$699.65 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,876
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$36,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,032.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,887.49
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	$40,887.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$699.65

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,490.00. 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 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 F-150 XLT

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This low mileage second hand 2023 Ford F-150 XLT 4X4 pickup under 35,000 miles, a transmission, and 25 MPG, 2.7L gas engine is for sale right now under $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$766.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,526
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.49
Avg. DMV Fee	196.00
Cash Sale Price	$44,772.49
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	$44,772.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$766.12

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,990.00. 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 Ford Explorer Active

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This low mileage second hand 2025 Ford Explorer Active AWD SUV under 16,000 miles, a transmission, and 25 MPG, 2.3L gas engine is for sale right now under $38K at Rick Ridings Ford, Inc. 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 Finance Payment	$724.34

(1) Car Finance 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 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.

2022 Ford F-150 XLT

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This low mileage preowned 2022 Ford F-150 XLT 4X4 pickup under 43,000 miles, a transmission, and 25 MPG, 3.5L hybrid engine is for sale right now below $38K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$37,490
Est. Payment:	$718.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,744
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
Auto Loan Payment	$718.64

(1) Auto 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) 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.

2017 Chevrolet Silverado 3500HD LTZ

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This above average mileage second hand 2017 Chevrolet Silverado 3500HD LTZ 4X4 pickup below 93,000 miles, a transmission, and 25 MPG, 6.6L diesel engine is for sale right now under $36K at Rick Ridings Ford, Inc. 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.

2025 Kia Telluride S

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This low mileage second hand 2025 Kia Telluride S FWD SUV below 22,000 miles, a transmission, and 25 MPG, 3.8L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$690.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,042
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,332.49
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	$40,332.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$690.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,990.00. 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 Nissan Murano SL

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This low mileage second hand 2025 Nissan Murano SL AWD SUV below 9,000 miles, a transmission, and 25 MPG, 2.0L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,486
Est. Payment:	$680.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,488
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
Auto Finance Payment	$680.58

(1) Auto 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) 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.

2026 Hyundai PALISADE SEL Convenience

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This low mileage preowned 2026 Hyundai PALISADE SEL Convenience FWD SUV below 13,000 miles, a transmission, and 25 MPG, 3.5L gas engine is for sale right now under $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$766.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,803
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.49
Avg. DMV Fee	196.00
Cash Sale Price	$44,772.49
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	$44,772.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$766.12

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,990.00. 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.

2025 Nissan Frontier PRO-4X

⇩ View Seller Description

This low mileage second hand 2025 Nissan Frontier PRO-4X 4X4 pickup below 9,000 miles, a transmission, and 25 MPG, 3.8L gas engine is for sale right now below $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$766.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,369
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.49
Avg. DMV Fee	196.00
Cash Sale Price	$44,772.49
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	$44,772.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$766.12

(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 Lincoln Corsair Premiere

⇩ View Seller Description

This low mileage preowned 2025 Lincoln Corsair Premiere AWD SUV under 7,000 miles, a transmission, and 25 MPG, 2.0L gas engine is for sale right now below $39K at Rick Ridings Ford, Inc. 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
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.

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

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

2023 Ford Explorer XLT

2023 Ford F-150 XLT

2025 Ford Explorer Active

2022 Ford F-150 XLT

2017 Chevrolet Silverado 3500HD LTZ

2025 Kia Telluride S

2025 Nissan Murano SL

2026 Hyundai PALISADE SEL Convenience

2025 Nissan Frontier PRO-4X

2025 Lincoln Corsair Premiere

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

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

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2025 Ford Explorer Active

Ford Explorer Active

2025 Ford Explorer Active Car Loan Estimate

2022 Ford F-150 XLT

Ford F-150 XLT

2022 Ford F-150 XLT Car Loan Estimate

2017 Chevrolet Silverado 3500HD LTZ

Chevrolet Silverado 3500HD LTZ

2017 Chevrolet Silverado 3500HD LTZ Car Loan Estimate

2025 Kia Telluride S

Kia Telluride S

2025 Kia Telluride S Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2026 Hyundai PALISADE SEL Convenience

Hyundai PALISADE SEL Convenience

2026 Hyundai PALISADE SEL Convenience Car Loan Estimate

2025 Nissan Frontier PRO-4X

Nissan Frontier PRO-4X

2025 Nissan Frontier PRO-4X Car Loan Estimate

2025 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2025 Lincoln Corsair Premiere Car Loan Estimate

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