Monticello, IL Used Cars Under $55,000 |with Payments|

2025 Ford Mustang GT Premium

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This low mileage second hand 2025 Ford Mustang GT Premium RWD coupe under 14,000 miles, transmission, and 5.0L gas engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,990
Est. Payment:	$975.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,910
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,627.49
Avg. DMV Fee	196.00
Cash Sale Price	$56,982.49
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	$56,982.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$975.06

(1) Car Loan calculations are based on the used car dealer's advertised price of $50,990.00. 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.

2025 Ford Bronco Badlands

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This low mileage second hand 2025 Ford Bronco Badlands 4X4 SUV under 5,000 miles, a transmission, and 2.7L gas engine is for sale right now below $53K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$52,790
Est. Payment:	$1009.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,177
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$52,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,825.49
Avg. DMV Fee	196.00
Cash Sale Price	$58,980.49
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	$58,980.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1009.24

(1) Car Finance calculations are based on the used car dealer's advertised price of $52,790.00. 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.

2025 Nissan Armada SV

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This low mileage second hand 2025 Nissan Armada SV 4X4 SUV below 14,000 miles, a transmission, and 3.5L gas engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,990
Est. Payment:	$975.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,732
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,627.49
Avg. DMV Fee	196.00
Cash Sale Price	$56,982.49
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	$56,982.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$975.06

(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 Nissan Armada SL

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This low mileage second hand 2025 Nissan Armada SL 4X4 SUV under 15,000 miles, a transmission, and 3.5L gas engine is for sale right now below $55K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$54,490
Est. Payment:	$1041.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,322
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$54,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,012.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,867.49
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	$60,867.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$1041.53

(1) Car Loan calculations are based on the used car dealer's advertised price of $54,490.00. 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.

2025 Ford F-150 XLT

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This low mileage second hand 2025 Ford F-150 XLT 4X4 pickup under 9,000 miles, a transmission, and 3.5L hybrid engine is for sale right now below $55K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$54,490
Est. Payment:	$1041.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,235
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$54,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,012.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,867.49
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	$60,867.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$1041.53

(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 GMC Sierra 1500 AT4

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This low mileage preowned 2023 GMC Sierra 1500 AT4 4X4 pickup under 42,000 miles, a transmission, and 6.2L gas engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,667
Est. Payment:	$968.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,774
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,667.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,591.96
Avg. DMV Fee	196.00
Cash Sale Price	$56,623.96
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	$56,623.96
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$968.92

(1) Auto Finance calculations are based on the used car dealer's advertised price of $50,667.00. 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 preowned 2023 Ford F-150 Lariat 4X4 pickup under 23,000 miles, a transmission, and 3.5L hybrid engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,702
Est. Payment:	$969.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,965
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,702.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,595.81
Avg. DMV Fee	196.00
Cash Sale Price	$56,662.81
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	$56,662.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$969.59

(1) Auto Loan calculations are based on the used car dealer's advertised price of $50,702.00. 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 Ford Bronco Outer Banks

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This low mileage preowned 2025 Ford Bronco Outer Banks 4X4 SUV under 15,000 miles, a transmission, and 2.7L gas engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,988
Est. Payment:	$975.02 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,639
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,988.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,627.27
Avg. DMV Fee	196.00
Cash Sale Price	$56,980.27
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	$56,980.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$975.02

(1) Car Loan calculations are based on the used car dealer's advertised price of $50,988.00. 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 Chevrolet Tahoe LS

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This low mileage preowned 2024 Chevrolet Tahoe LS 4X4 SUV below 27,000 miles, a transmission, and 5.3L gas engine is for sale right now below $52K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$51,490
Est. Payment:	$984.55 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,045
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$51,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,682.49
Avg. DMV Fee	196.00
Cash Sale Price	$57,537.49
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	$57,537.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$984.55

(1) Car Loan calculations are based on the used car dealer's advertised price of $51,490.00. 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.

2025 Ford Mustang GT Premium

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This low mileage preowned 2025 Ford Mustang GT Premium RWD convertible under 3,000 miles, transmission, and 5.0L gas engine is for sale right now below $54K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$53,990
Est. Payment:	$1032.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	2,941
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$53,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,957.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,312.49
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	$60,312.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$1032.04

(1) Car Loan calculations are based on the used car dealer's advertised price of $53,990.00. 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 $55,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $55,000

2025 Ford Mustang GT Premium

2025 Ford Bronco Badlands

2025 Nissan Armada SV

2025 Nissan Armada SL

2025 Ford F-150 XLT

2023 GMC Sierra 1500 AT4

2023 Ford F-150 Lariat

2025 Ford Bronco Outer Banks

2024 Chevrolet Tahoe LS

2025 Ford Mustang GT Premium

Used Cars under $55,000 for Sale in Monticello, IL

Monticello, IL Secondhand Used Vehicles Priced Below $55,000

2025 Ford Mustang GT Premium

Ford Mustang GT Premium

2025 Ford Mustang GT Premium Car Loan Estimate

2025 Ford Bronco Badlands

Ford Bronco Badlands

2025 Ford Bronco Badlands Car Loan Estimate

2025 Nissan Armada SV

Nissan Armada SV

2025 Nissan Armada SV Car Loan Estimate

2025 Nissan Armada SL

Nissan Armada SL

2025 Nissan Armada SL Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2023 GMC Sierra 1500 AT4

GMC Sierra 1500 AT4

2023 GMC Sierra 1500 AT4 Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2025 Ford Bronco Outer Banks

Ford Bronco Outer Banks

2025 Ford Bronco Outer Banks Car Loan Estimate

2024 Chevrolet Tahoe LS

Chevrolet Tahoe LS

2024 Chevrolet Tahoe LS Car Loan Estimate

2025 Ford Mustang GT Premium

Ford Mustang GT Premium

2025 Ford Mustang GT Premium Car Loan Estimate

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