Metro Champaign - Springfield - Decatur, IL Area Used Cars Under $400 a Month

2024 Kia Forte LXS

⇩ View Seller Description

This low mileage used 2024 Kia Forte LXS FWD sedan under 6,000 miles, cvt transmission, and 36 MPG, 2.0L gas engine is for sale right now under $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$19,725
Est. Payment:	$381.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,339
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$19,725.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,188.34
Avg. DMV Fee	196.00
Cash Sale Price	$22,278.34
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	$22,278.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$381.22

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,725.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2017 Honda Fit EX

⇩ View Seller Description

This above average mileage used 2017 Honda Fit EX FWD hatchback under 99,000 miles, cvt transmission, and 36 MPG, 1.5L gas engine is for sale right now under $13K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$12,777
Est. Payment:	$392.91 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	98,722
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$12,777.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,424.06
Avg. DMV Fee	196.00
Cash Sale Price	$14,566.06
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	$14,566.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Loan Payment	$392.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $12,777.00. 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 42 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.

2016 Chevrolet Cruze 1LT Auto

⇩ View Seller Description

This high mileage preowned 2016 Chevrolet Cruze 1LT Auto FWD sedan under 128,000 miles, automatic transmission, and 36 MPG, 1.4L gas engine is for sale right now below $7K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$6,767
Est. Payment:	$288.10 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	127,884
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$6,767.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	762.96
Avg. DMV Fee	196.00
Cash Sale Price	$7,894.96
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	$7,894.96
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Finance Payment	$288.10

(1) Car Finance calculations are based on the used car dealer's advertised price of $6,767.00. 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 30 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.

2023 Volkswagen Tiguan S

⇩ View Seller Description

This low mileage preowned 2023 Volkswagen Tiguan S FWD SUV below 54,000 miles, automatic transmission, and 36 MPG, 2.0L gas engine is for sale right now under $19K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$18,999
Est. Payment:	$394.24 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,869
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$18,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,108.48
Avg. DMV Fee	196.00
Cash Sale Price	$21,472.48
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	$21,472.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$394.24

(1) Auto Finance calculations are based on the used car dealer's advertised price of $18,999.00. 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.

2017 Chevrolet Equinox Premier

⇩ View Seller Description

This high mileage preowned 2017 Chevrolet Equinox Premier AWD SUV below 112,000 miles, automatic transmission, and 36 MPG, 2.4L gas engine is for sale right now below $11K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$10,500
Est. Payment:	$372.43 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	111,575
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$10,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,173.59
Avg. DMV Fee	196.00
Cash Sale Price	$12,038.59
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	$12,038.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Finance Payment	$372.43

(1) Auto Finance calculations are based on the used car dealer's advertised price of $10,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2024 Ford Escape Active

⇩ View Seller Description

This low mileage second hand 2024 Ford Escape Active AWD SUV under 20,000 miles, automatic transmission, and 36 MPG, 1.5L gas engine is for sale right now under $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,999
Est. Payment:	$405.41 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,357
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,328.48
Avg. DMV Fee	196.00
Cash Sale Price	$23,692.48
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	$23,692.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$405.41

(1) Auto Loan calculations are based on the used car dealer's advertised price of $20,999.00. 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 Hyundai ELANTRA SE

⇩ View Seller Description

This low mileage preowned 2025 Hyundai ELANTRA SE FWD sedan below 26,000 miles, cvt transmission, and 36 MPG, 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:	26,248
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
Car Loan Payment	$386.44

(1) Car 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) 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 Jeep Compass Latitude

⇩ View Seller Description

This low mileage preowned 2025 Jeep Compass Latitude 4x4 SUV below 32,000 miles, automatic transmission, and 36 MPG, 2.0L gas engine is for sale right now below $21K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,999
Est. Payment:	$405.41 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,150
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$20,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,328.48
Avg. DMV Fee	196.00
Cash Sale Price	$23,692.48
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	$23,692.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$405.41

(1) Car Loan calculations are based on the used car dealer's advertised price of $20,999.00. 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 Hyundai ELANTRA SE

⇩ View Seller Description

This low mileage certified second hand 2025 Hyundai ELANTRA SE FWD sedan under 31,000 miles, cvt transmission, and 36 MPG, 2.0L gas engine is for sale right now under $20K at K.C. Summers Hyundai in Mattoon, IL. ...View More Details

Sales Price:	$19,997
Est. Payment:	$386.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,980
Location:	Mattoon, IL

Item	Amount
Used Car Price⁽¹⁾	$19,997.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,218.26
Avg. DMV Fee	196.00
Cash Sale Price	$22,580.26
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	$22,580.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$386.38

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,997.00. 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.

2022 Hyundai ELANTRA SEL

⇩ View Seller Description

This average mileage second hand 2022 Hyundai ELANTRA SEL FWD sedan under 78,000 miles, cvt transmission, and 36 MPG, 2.0L gas engine is for sale right now below $15K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$14,750
Est. Payment:	$363.65 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	77,712
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$14,750.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,641.09
Avg. DMV Fee	196.00
Cash Sale Price	$16,756.09
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	$16,756.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Loan Payment	$363.65

(1) Auto Loan calculations are based on the used car dealer's advertised price of $14,750.00. 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 54 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 the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $400 / Month

2024 Kia Forte LXS

2017 Honda Fit EX

2016 Chevrolet Cruze 1LT Auto

2023 Volkswagen Tiguan S

2017 Chevrolet Equinox Premier

2024 Ford Escape Active

2025 Hyundai ELANTRA SE

2025 Jeep Compass Latitude

2025 Hyundai ELANTRA SE

2022 Hyundai ELANTRA SEL

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $400 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $400 / Month

Used Cars under $400 per month for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $400 / Month

2024 Kia Forte LXS

Kia Forte LXS

2024 Kia Forte LXS Car Loan Estimate

2017 Honda Fit EX

Honda Fit EX

2017 Honda Fit EX Car Loan Estimate

2016 Chevrolet Cruze 1LT Auto

Chevrolet Cruze 1LT Auto

2016 Chevrolet Cruze 1LT Auto Car Loan Estimate

2023 Volkswagen Tiguan S

Volkswagen Tiguan S

2023 Volkswagen Tiguan S Car Loan Estimate

2017 Chevrolet Equinox Premier

Chevrolet Equinox Premier

2017 Chevrolet Equinox Premier Car Loan Estimate

2024 Ford Escape Active

Ford Escape Active

2024 Ford Escape Active Car Loan Estimate

2025 Hyundai ELANTRA SE

Hyundai ELANTRA SE

2025 Hyundai ELANTRA SE Car Loan Estimate

2025 Jeep Compass Latitude

Jeep Compass Latitude

2025 Jeep Compass Latitude Car Loan Estimate

2025 Hyundai ELANTRA SE

Hyundai ELANTRA SE

2025 Hyundai ELANTRA SE Car Loan Estimate

2022 Hyundai ELANTRA SEL

Hyundai ELANTRA SEL

2022 Hyundai ELANTRA SEL Car Loan Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $400 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $400 / Month

Customize Payments

Find Financing

Customize Payments