Urbana, IL Used Cars Under $400 a Month

2013 Toyota RAV4 XLE

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This below average mileage second hand 2013 Toyota RAV4 XLE AWD SUV below 66,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now under $17K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$16,500
Est. Payment:	$371.40 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	65,791
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$16,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,833.59
Avg. DMV Fee	196.00
Cash Sale Price	$18,698.59
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	$18,698.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Loan Payment	$371.40

(1) Car Loan calculations are based on the used car dealer's advertised price of $16,500.00. 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 60 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.

2016 GMC Acadia Denali

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This average mileage second hand 2016 GMC Acadia Denali AWD SUV under 86,000 miles, automatic transmission, and 26 MPG, 3.6L gas engine is for sale right now under $15K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$15,000
Est. Payment:	$408.92 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	85,909
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$15,000.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,668.59
Avg. DMV Fee	196.00
Cash Sale Price	$17,033.59
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	$17,033.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$408.92

(1) Auto Loan calculations are based on the used car dealer's advertised price of $15,000.00. 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 48 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.

2019 Subaru Forester Premium

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This low mileage second hand 2019 Subaru Forester Premium AWD SUV below 57,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now below $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$19,750
Est. Payment:	$409.55 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	56,578
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$19,750.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,191.09
Avg. DMV Fee	196.00
Cash Sale Price	$22,306.09
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	$22,306.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$409.55

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,750.00. 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 66 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 Kia K4 LXS

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This low mileage used 2025 Kia K4 LXS FWD sedan below 37,000 miles, cvt transmission, and 26 MPG, 2.0L gas engine is for sale right now under $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,295
Est. Payment:	$392.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,562
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,295.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,251.04
Avg. DMV Fee	196.00
Cash Sale Price	$22,911.04
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	$22,911.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$392.04

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,295.00. 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 Buick Encore GX Preferred

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This low mileage used 2025 Buick Encore GX Preferred FWD SUV below 29,000 miles, cvt transmission, and 26 MPG, 1.3L gas engine is for sale right now below $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,990
Est. Payment:	$405.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,731
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,327.49
Avg. DMV Fee	196.00
Cash Sale Price	$23,682.49
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	$23,682.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$405.24

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,990.00. 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 Nissan Altima 2.5 SV

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This low mileage used 2025 Nissan Altima 2.5 SV FWD sedan under 51,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now under $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$19,750
Est. Payment:	$409.55 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	51,454
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$19,750.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,191.09
Avg. DMV Fee	196.00
Cash Sale Price	$22,306.09
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	$22,306.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$409.55

(1) Auto Finance calculations are based on the used car dealer's advertised price of $19,750.00. 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 66 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 Hyundai SONATA SE

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This low mileage used 2025 Hyundai SONATA SE FWD sedan under 25,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $22K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$21,500
Est. Payment:	$414.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,971
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$21,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,383.59
Avg. DMV Fee	196.00
Cash Sale Price	$24,248.59
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	$24,248.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$414.93

(1) Car Finance calculations are based on the used car dealer's advertised price of $21,500.00. 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 Altima 2.5 SV

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This low mileage second hand 2025 Nissan Altima 2.5 SV FWD sedan below 48,000 miles, cvt transmission, and 26 MPG, 2.5L gas engine is for sale right now under $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$19,595
Est. Payment:	$378.75 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,825
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$19,595.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,174.04
Avg. DMV Fee	196.00
Cash Sale Price	$22,134.04
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	$22,134.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$378.75

(1) Car Loan calculations are based on the used car dealer's advertised price of $19,595.00. 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.

2017 Audi A4 2.0T quattro Premium

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This high mileage used 2017 Audi A4 2.0T quattro Premium AWD sedan below 111,000 miles, automatic transmission, and 26 MPG, 2.0L gas engine is for sale right now under $12K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$11,225
Est. Payment:	$397.33 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	111,462
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$11,225.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,253.34
Avg. DMV Fee	196.00
Cash Sale Price	$12,843.34
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	$12,843.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Finance Payment	$397.33

(1) Auto Finance calculations are based on the used car dealer's advertised price of $11,225.00. 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 36 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.

2022 Volkswagen Tiguan SE 4Motion

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This low mileage preowned 2022 Volkswagen Tiguan SE 4Motion AWD SUV under 44,000 miles, automatic transmission, and 26 MPG, 2.0L gas engine is for sale right now under $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,990
Est. Payment:	$405.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,769
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,327.49
Avg. DMV Fee	196.00
Cash Sale Price	$23,682.49
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	$23,682.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$405.24

(1) Auto Loan calculations are based on the used car dealer's advertised price of $20,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 $400 per month for Sale in Urbana, IL

Urbana, IL Secondhand Used Vehicles with Payments Below $400 / Month

2013 Toyota RAV4 XLE

2016 GMC Acadia Denali

2019 Subaru Forester Premium

2025 Kia K4 LXS

2025 Buick Encore GX Preferred

2025 Nissan Altima 2.5 SV

2025 Hyundai SONATA SE

2025 Nissan Altima 2.5 SV

2017 Audi A4 2.0T quattro Premium

2022 Volkswagen Tiguan SE 4Motion

Used Cars under $400 per month for Sale in Urbana, IL

Urbana, IL Secondhand Used Vehicles with Payments Below $400 / Month

2013 Toyota RAV4 XLE

Toyota RAV4 XLE

2013 Toyota RAV4 XLE Car Loan Estimate

2016 GMC Acadia Denali

GMC Acadia Denali

2016 GMC Acadia Denali Car Loan Estimate

2019 Subaru Forester Premium

Subaru Forester Premium

2019 Subaru Forester Premium Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Car Loan Estimate

2025 Buick Encore GX Preferred

Buick Encore GX Preferred

2025 Buick Encore GX Preferred Car Loan Estimate

2025 Nissan Altima 2.5 SV

Nissan Altima 2.5 SV

2025 Nissan Altima 2.5 SV Car Loan Estimate

2025 Hyundai SONATA SE

Hyundai SONATA SE

2025 Hyundai SONATA SE Car Loan Estimate

2025 Nissan Altima 2.5 SV

Nissan Altima 2.5 SV

2025 Nissan Altima 2.5 SV Car Loan Estimate

2017 Audi A4 2.0T quattro Premium

Audi A4 2.0T quattro Premium

2017 Audi A4 2.0T quattro Premium Car Loan Estimate

2022 Volkswagen Tiguan SE 4Motion

Volkswagen Tiguan SE 4Motion

2022 Volkswagen Tiguan SE 4Motion Car Loan Estimate

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