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

2023 Ford F-150 XLT

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This low mileage used 2023 Ford F-150 XLT 4X4 pickup below 35,000 miles, a transmission, and 24 MPG, 2.7L 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:	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
Car Loan Payment	$766.12

(1) Car 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) 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.

2024 Ford F-150 XLT

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This low mileage preowned 2024 Ford F-150 XLT 4X4 pickup under 35,000 miles, a transmission, and 24 MPG, 3.5L hybrid engine is for sale right now under $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,087
Est. Payment:	$729.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,188
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,087.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,208.16
Avg. DMV Fee	196.00
Cash Sale Price	$42,660.16
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	$42,660.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$729.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,087.00. 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.

2024 Ford Explorer XLT

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This low mileage preowned 2024 Ford Explorer XLT AWD SUV under 27,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $37K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$36,990
Est. Payment:	$709.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,042
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 Finance Payment	$709.14

(1) Auto Finance 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 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 used 2025 Nissan Murano SL AWD SUV below 7,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $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:	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 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.

2025 Nissan Murano SL

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This low mileage used 2025 Nissan Murano SL AWD SUV under 6,000 miles, a transmission, and 24 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:	6,459
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 Ford F-150 XLT

⇩ View Seller Description

This low mileage used 2022 Ford F-150 XLT 4X4 pickup under 43,000 miles, a transmission, and 24 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
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.

2022 Ram 1500 Big Horn

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This low mileage second hand 2022 Ram 1500 Big Horn 4X4 pickup under 26,000 miles, a transmission, and 24 MPG, 5.7L gas engine is for sale right now under $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,733
Est. Payment:	$742.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,896
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$38,733.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,279.22
Avg. DMV Fee	196.00
Cash Sale Price	$43,377.22
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	$43,377.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$742.25

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,733.00. 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 preowned 2025 Nissan Murano SL AWD SUV below 9,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $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
Car Loan Payment	$680.58

(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 Ford Explorer XLT

⇩ View Seller Description

This low mileage second hand 2023 Ford Explorer XLT AWD SUV below 23,000 miles, a transmission, and 24 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
Car Finance Payment	$699.65

(1) Car 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) 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

⇩ View Seller Description

This low mileage second hand 2025 Nissan Murano SL AWD SUV below 2,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $36K at Rick Ridings Ford, Inc. 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
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.

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

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

2023 Ford F-150 XLT

2024 Ford F-150 XLT

2024 Ford Explorer XLT

2025 Nissan Murano SL

2025 Nissan Murano SL

2022 Ford F-150 XLT

2022 Ram 1500 Big Horn

2025 Nissan Murano SL

2023 Ford Explorer XLT

2025 Nissan Murano SL

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

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

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT 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

2022 Ford F-150 XLT

Ford F-150 XLT

2022 Ford F-150 XLT Car Loan Estimate

2022 Ram 1500 Big Horn

Ram 1500 Big Horn

2022 Ram 1500 Big Horn Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

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