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

2026 Chevrolet Traverse LT

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This low mileage preowned 2026 Chevrolet Traverse LT 4X4 SUV below 22,000 miles, a transmission, and 24 MPG, 2.5L gas engine is for sale right now under $43K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$42,113
Est. Payment:	$806.45 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,044
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,113.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,651.02
Avg. DMV Fee	196.00
Cash Sale Price	$47,129.02
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	$47,129.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$806.45

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,113.00. 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 Pathfinder Platinum

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This low mileage second hand 2025 Nissan Pathfinder Platinum FWD SUV under 5,000 miles, a transmission, and 24 MPG, 3.5L gas engine is for sale right now under $42K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$41,490
Est. Payment:	$794.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,662
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
Auto Finance Payment	$794.62

(1) Auto 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) 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 preowned 2023 Ford F-150 XLT 4X4 pickup below 18,000 miles, a transmission, and 24 MPG, 2.7L gas engine is for sale right now under $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,490
Est. Payment:	$775.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,378
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,472.49
Avg. DMV Fee	196.00
Cash Sale Price	$45,327.49
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	$45,327.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$775.62

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,490.00. 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 Lincoln Nautilus Reserve

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This low mileage preowned 2023 Lincoln Nautilus Reserve AWD SUV under 21,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,765
Est. Payment:	$780.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,107
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,765.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,502.74
Avg. DMV Fee	196.00
Cash Sale Price	$45,632.74
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	$45,632.74
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$780.84

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,765.00. 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 used 2024 Cadillac XT6 Premium Luxury FWD SUV under 15,000 miles, a transmission, and 24 MPG, 3.6L gas engine is for sale right now below $42K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$41,887
Est. Payment:	$802.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,459
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,887.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,626.16
Avg. DMV Fee	196.00
Cash Sale Price	$46,878.16
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	$46,878.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$802.16

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,887.00. 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.

2024 Jeep Wrangler Rubicon

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This low mileage used 2024 Jeep Wrangler Rubicon 4X4 SUV under 20,000 miles, transmission, and 24 MPG, 3.6L gas engine is for sale right now below $44K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$43,490
Est. Payment:	$832.60 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,169
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$43,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,802.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,657.49
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	$48,657.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$832.60

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,490.00. 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.

2024 Ford Ranger Lariat

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This low mileage used 2024 Ford Ranger Lariat 4X4 pickup under 12,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $43K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$42,790
Est. Payment:	$819.31 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,593
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,725.49
Avg. DMV Fee	196.00
Cash Sale Price	$47,880.49
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	$47,880.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$819.31

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,790.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Cadillac XT5 Premium Luxury

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This low mileage preowned 2025 Cadillac XT5 Premium Luxury 4X4 SUV under 21,000 miles, a transmission, and 24 MPG, 3.6L gas engine is for sale right now under $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,787
Est. Payment:	$781.26 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,102
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,787.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,505.16
Avg. DMV Fee	196.00
Cash Sale Price	$45,657.16
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	$45,657.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$781.26

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,787.00. 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 Chevrolet Silverado 1500 LT

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This low mileage used 2025 Chevrolet Silverado 1500 LT 4X4 pickup below 31,000 miles, a transmission, and 24 MPG, 5.3L gas engine is for sale right now below $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,187
Est. Payment:	$769.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,404
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,439.16
Avg. DMV Fee	196.00
Cash Sale Price	$44,991.16
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	$44,991.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$769.87

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,187.00. 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 Nissan Pathfinder Platinum

⇩ View Seller Description

This low mileage preowned 2025 Nissan Pathfinder Platinum FWD SUV under 6,000 miles, a transmission, and 24 MPG, 3.5L gas engine is for sale right now below $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,990
Est. Payment:	$785.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,278
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,527.49
Avg. DMV Fee	196.00
Cash Sale Price	$45,882.49
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	$45,882.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$785.12

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,990.00. 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.

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

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

2026 Chevrolet Traverse LT

2025 Nissan Pathfinder Platinum

2023 Ford F-150 XLT

2023 Lincoln Nautilus Reserve

2024 Cadillac XT6 Premium Luxury

2024 Jeep Wrangler Rubicon

2024 Ford Ranger Lariat

2025 Cadillac XT5 Premium Luxury

2025 Chevrolet Silverado 1500 LT

2025 Nissan Pathfinder Platinum

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

2025 Nissan Pathfinder Platinum

Nissan Pathfinder Platinum

2025 Nissan Pathfinder Platinum Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2023 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2023 Lincoln Nautilus Reserve Car Loan Estimate

2024 Cadillac XT6 Premium Luxury

Cadillac XT6 Premium Luxury

2024 Cadillac XT6 Premium Luxury Car Loan Estimate

2024 Jeep Wrangler Rubicon

Jeep Wrangler Rubicon

2024 Jeep Wrangler Rubicon Car Loan Estimate

2024 Ford Ranger Lariat

Ford Ranger Lariat

2024 Ford Ranger Lariat Car Loan Estimate

2025 Cadillac XT5 Premium Luxury

Cadillac XT5 Premium Luxury

2025 Cadillac XT5 Premium Luxury Car Loan Estimate

2025 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2025 Chevrolet Silverado 1500 LT Car Loan Estimate

2025 Nissan Pathfinder Platinum

Nissan Pathfinder Platinum

2025 Nissan Pathfinder Platinum Car Loan Estimate

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