Urbana, IL Used Cars Under $400 a Month

2025 Kia Soul LX

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This low mileage second hand 2025 Kia Soul LX FWD hatchback under 12,000 miles, cvt transmission, and 2.0L gas engine is for sale right now below $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,000
Est. Payment:	$386.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,084
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,000.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,218.59
Avg. DMV Fee	196.00
Cash Sale Price	$22,583.59
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	$22,583.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$386.44

(1) Auto Loan calculations are based on the used car dealer's advertised price of $20,000.00. 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 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.

2022 Nissan Altima 2.5 SR

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This low mileage second hand 2022 Nissan Altima 2.5 SR AWD sedan below 55,000 miles, cvt transmission, and 2.5L gas engine is for sale right now under $19K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$18,750
Est. Payment:	$389.17 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	54,872
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$18,750.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,081.09
Avg. DMV Fee	196.00
Cash Sale Price	$21,196.09
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	$21,196.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$389.17

(1) Car Finance calculations are based on the used car dealer's advertised price of $18,750.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 66 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.

2016 GMC Acadia Denali

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This average mileage used 2016 GMC Acadia Denali AWD SUV below 86,000 miles, automatic transmission, and 3.6L gas engine is for sale right now below $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 Finance Payment	$408.92

(1) Auto Finance 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 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 48 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.

2013 Toyota RAV4 XLE

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This below average mileage second hand 2013 Toyota RAV4 XLE AWD SUV under 66,000 miles, automatic transmission, and 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.

2025 Buick Encore GX Preferred

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This low mileage second hand 2025 Buick Encore GX Preferred FWD SUV under 29,000 miles, cvt transmission, and 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
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.

2025 Jeep Compass Trailhawk

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This low mileage used 2025 Jeep Compass Trailhawk 4x4 SUV below 43,000 miles, automatic transmission, and 2.0L gas engine is for sale right now below $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,350
Est. Payment:	$393.09 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,252
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,350.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,257.09
Avg. DMV Fee	196.00
Cash Sale Price	$22,972.09
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	$22,972.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$393.09

(1) Car Loan calculations are based on the used car dealer's advertised price of $20,350.00. 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 Nissan Altima 2.5 SV

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This low mileage used 2025 Nissan Altima 2.5 SV FWD sedan below 51,000 miles, cvt transmission, and 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:	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.

2019 Volkswagen Tiguan SEL Premium 4Motion

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This low mileage second hand 2019 Volkswagen Tiguan SEL Premium 4Motion AWD SUV under 54,000 miles, automatic transmission, and 2.0L gas engine is for sale right now below $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$19,500
Est. Payment:	$404.45 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,990
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$19,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,163.59
Avg. DMV Fee	196.00
Cash Sale Price	$22,028.59
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	$22,028.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$404.45

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,500.00. 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 66 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 Jeep Compass Limited

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This low mileage second hand 2025 Jeep Compass Limited 4x4 SUV below 46,000 miles, automatic transmission, and 2.0L gas engine is for sale right now below $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,725
Est. Payment:	$400.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	45,651
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,725.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,298.34
Avg. DMV Fee	196.00
Cash Sale Price	$23,388.34
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	$23,388.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$400.21

(1) Auto Finance calculations are based on the used car dealer's advertised price of $20,725.00. 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 Kia K4 LXS

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This low mileage second hand 2025 Kia K4 LXS FWD sedan below 44,000 miles, cvt transmission, and 2.0L gas engine is for sale right now under $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,395
Est. Payment:	$393.94 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,784
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,395.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,262.04
Avg. DMV Fee	196.00
Cash Sale Price	$23,022.04
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	$23,022.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$393.94

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,395.00. 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.

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

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

2025 Kia Soul LX

2022 Nissan Altima 2.5 SR

2016 GMC Acadia Denali

2013 Toyota RAV4 XLE

2025 Buick Encore GX Preferred

2025 Jeep Compass Trailhawk

2025 Nissan Altima 2.5 SV

2019 Volkswagen Tiguan SEL Premium 4Motion

2025 Jeep Compass Limited

2025 Kia K4 LXS

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

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

2025 Kia Soul LX

Kia Soul LX

2025 Kia Soul LX Car Loan Estimate

2022 Nissan Altima 2.5 SR

Nissan Altima 2.5 SR

2022 Nissan Altima 2.5 SR Car Loan Estimate

2016 GMC Acadia Denali

GMC Acadia Denali

2016 GMC Acadia Denali Car Loan Estimate

2013 Toyota RAV4 XLE

Toyota RAV4 XLE

2013 Toyota RAV4 XLE Car Loan Estimate

2025 Buick Encore GX Preferred

Buick Encore GX Preferred

2025 Buick Encore GX Preferred Car Loan Estimate

2025 Jeep Compass Trailhawk

Jeep Compass Trailhawk

2025 Jeep Compass Trailhawk Car Loan Estimate

2025 Nissan Altima 2.5 SV

Nissan Altima 2.5 SV

2025 Nissan Altima 2.5 SV Car Loan Estimate

2019 Volkswagen Tiguan SEL Premium 4Motion

Volkswagen Tiguan SEL Premium 4Motion

2019 Volkswagen Tiguan SEL Premium 4Motion Car Loan Estimate

2025 Jeep Compass Limited

Jeep Compass Limited

2025 Jeep Compass Limited Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Car Loan Estimate

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