Monticello, IL Used Cars Under $45,000 |with Payments|

2026 Chevrolet Traverse LT

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This low mileage second hand 2026 Chevrolet Traverse LT 4x4 SUV under 28,000 miles, automatic transmission, and 18 MPG, 2.5L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,990
Est. Payment:	$823.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,157
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,747.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,102.49
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	$48,102.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$823.11

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,990.00. 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.

2023 Ford F-150 XLT

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This low mileage used 2023 Ford F-150 XLT 4x4 pickup under 15,000 miles, automatic transmission, and 18 MPG, 3.5L gas engine is for sale right now below $44K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$43,088
Est. Payment:	$824.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,992
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$43,088.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,758.27
Avg. DMV Fee	196.00
Cash Sale Price	$48,211.27
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	$48,211.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$824.97

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,088.00. 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.

2026 Chevrolet Traverse LT

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This low mileage preowned 2026 Chevrolet Traverse LT 4x4 SUV under 22,000 miles, automatic transmission, and 18 MPG, 2.5L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,990
Est. Payment:	$823.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,044
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,747.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,102.49
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	$48,102.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$823.11

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,990.00. 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.

2025 Chevrolet Silverado 1500 LT

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This low mileage used 2025 Chevrolet Silverado 1500 LT 4x4 pickup under 31,000 miles, automatic transmission, and 18 MPG, 5.3L gas engine is for sale right now below $41K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$40,488
Est. Payment:	$775.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,404
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,488.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,472.27
Avg. DMV Fee	196.00
Cash Sale Price	$45,325.27
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	$45,325.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$775.58

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,488.00. 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 F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup under 21,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,488
Est. Payment:	$813.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,488.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,692.27
Avg. DMV Fee	196.00
Cash Sale Price	$47,545.27
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	$47,545.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$813.57

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,488.00. 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 Cadillac XT6 Premium Luxury

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This low mileage second hand 2024 Cadillac XT6 Premium Luxury FWD SUV under 15,000 miles, automatic transmission, and 18 MPG, 3.6L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,188
Est. Payment:	$807.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,459
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,188.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,659.27
Avg. DMV Fee	196.00
Cash Sale Price	$47,212.27
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	$47,212.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$807.87

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,188.00. 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 XL

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This low mileage preowned 2023 Ford F-150 XL 4x4 pickup under 22,000 miles, automatic transmission, and 18 MPG, 3.5L hybrid engine is for sale right now below $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,588
Est. Payment:	$796.48 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,008
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,588.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,593.27
Avg. DMV Fee	196.00
Cash Sale Price	$46,546.27
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	$46,546.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$796.48

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,588.00. 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 Ram 1500 Lone Star

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This low mileage preowned 2023 Ram 1500 Lone Star 4x4 pickup below 25,000 miles, automatic transmission, and 18 MPG, 5.7L hybrid engine is for sale right now below $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,790
Est. Payment:	$800.31 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,006
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,615.49
Avg. DMV Fee	196.00
Cash Sale Price	$46,770.49
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	$46,770.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$800.31

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,790.00. 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.

2024 Ford Explorer ST-Line

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This low mileage used 2024 Ford Explorer ST-Line AWD SUV below 18,000 miles, automatic transmission, and 18 MPG, 2.3L gas engine is for sale right now under $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,490
Est. Payment:	$794.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,047
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,582.49
Avg. DMV Fee	196.00
Cash Sale Price	$46,437.49
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	$46,437.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$794.62

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,490.00. 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.

2023 Ram 1500 Big Horn

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This low mileage preowned 2023 Ram 1500 Big Horn 4x4 pickup under 28,000 miles, automatic transmission, and 18 MPG, 5.7L hybrid engine is for sale right now under $41K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$40,790
Est. Payment:	$781.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,262
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,505.49
Avg. DMV Fee	196.00
Cash Sale Price	$45,660.49
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	$45,660.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$781.32

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,790.00. 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.

Used Cars under $45,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $45,000

2026 Chevrolet Traverse LT

2023 Ford F-150 XLT

2026 Chevrolet Traverse LT

2025 Chevrolet Silverado 1500 LT

2023 Ford F-150 XL

2024 Cadillac XT6 Premium Luxury

2023 Ford F-150 XL

2023 Ram 1500 Lone Star

2024 Ford Explorer ST-Line

2023 Ram 1500 Big Horn

Used Cars under $45,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $45,000

2026 Chevrolet Traverse LT

Chevrolet Traverse LT

2026 Chevrolet Traverse LT Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2026 Chevrolet Traverse LT

Chevrolet Traverse LT

2026 Chevrolet Traverse LT Car Loan Estimate

2025 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2025 Chevrolet Silverado 1500 LT Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2024 Cadillac XT6 Premium Luxury

Cadillac XT6 Premium Luxury

2024 Cadillac XT6 Premium Luxury Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ram 1500 Lone Star

Ram 1500 Lone Star

2023 Ram 1500 Lone Star Car Loan Estimate

2024 Ford Explorer ST-Line

Ford Explorer ST-Line

2024 Ford Explorer ST-Line Car Loan Estimate

2023 Ram 1500 Big Horn

Ram 1500 Big Horn

2023 Ram 1500 Big Horn Car Loan Estimate

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