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

2024 Ford Explorer ST-Line

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This low mileage second hand 2024 Ford Explorer ST-Line AWD SUV under 18,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now below $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
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.

2025 Nissan Pathfinder Platinum

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This low mileage used 2025 Nissan Pathfinder Platinum FWD SUV under 6,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $41K at Rick Ridings Ford 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
Auto Finance Payment	$785.12

(1) Auto Finance 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) 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 Lariat

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This low mileage second hand 2023 Ford F-150 Lariat 4x4 pickup below 21,000 miles, automatic transmission, and 22 MPG, 2.7L gas 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:	21,334
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
Auto Finance Payment	$800.31

(1) Auto Finance 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) 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 18,000 miles, automatic transmission, and 22 MPG, 2.7L gas 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:	18,378
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 Finance Payment	$781.32

(1) Car Finance 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 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 Ford Ranger Lariat

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This low mileage preowned 2024 Ford Ranger Lariat 4x4 pickup under 12,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $43K at Rick Ridings Ford 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 Finance Payment	$819.31

(1) Auto Finance 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 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 Jeep Wrangler Rubicon

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This low mileage preowned 2024 Jeep Wrangler Rubicon 4x4 SUV below 20,000 miles, transmission, and 22 MPG, 3.6L gas engine is for sale right now under $44K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$43,990
Est. Payment:	$842.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,169
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$43,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,857.49
Avg. DMV Fee	196.00
Cash Sale Price	$49,212.49
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	$49,212.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$842.10

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,990.00. 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 Platinum

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This low mileage preowned 2023 Ford F-150 Platinum 4x4 pickup below 15,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,887
Est. Payment:	$821.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,999
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,887.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,736.16
Avg. DMV Fee	196.00
Cash Sale Price	$47,988.16
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	$47,988.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$821.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,887.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

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

Sales Price:	$41,287
Est. Payment:	$790.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,008
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,287.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,560.16
Avg. DMV Fee	196.00
Cash Sale Price	$46,212.16
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	$46,212.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$790.76

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,287.00. 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 Cadillac XT6 Premium Luxury

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This low mileage second hand 2024 Cadillac XT6 Premium Luxury FWD SUV below 15,000 miles, automatic transmission, and 22 MPG, 3.6L gas engine is for sale right now under $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,987
Est. Payment:	$804.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,459
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,987.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,637.16
Avg. DMV Fee	196.00
Cash Sale Price	$46,989.16
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	$46,989.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$804.05

(1) Auto Loan calculations are based on the used car dealer's advertised price of $41,987.00. 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, automatic transmission, and 22 MPG, 3.6L gas engine is for sale right now below $41K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$40,887
Est. Payment:	$783.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,102
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,887.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,516.16
Avg. DMV Fee	196.00
Cash Sale Price	$45,768.16
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	$45,768.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$783.16

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,887.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

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

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

2024 Ford Explorer ST-Line

2025 Nissan Pathfinder Platinum

2023 Ford F-150 Lariat

2023 Ford F-150 XL

2024 Ford Ranger Lariat

2024 Jeep Wrangler Rubicon

2023 Ford F-150 Platinum

2023 Ford F-150 XL

2024 Cadillac XT6 Premium Luxury

2025 Cadillac XT5 Premium Luxury

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

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

2024 Ford Explorer ST-Line

Ford Explorer ST-Line

2024 Ford Explorer ST-Line Car Loan Estimate

2025 Nissan Pathfinder Platinum

Nissan Pathfinder Platinum

2025 Nissan Pathfinder Platinum Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2024 Ford Ranger Lariat

Ford Ranger Lariat

2024 Ford Ranger Lariat Car Loan Estimate

2024 Jeep Wrangler Rubicon

Jeep Wrangler Rubicon

2024 Jeep Wrangler Rubicon Car Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum 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

2025 Cadillac XT5 Premium Luxury

Cadillac XT5 Premium Luxury

2025 Cadillac XT5 Premium Luxury Car Loan Estimate

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