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

2022 Kia Sportage Nightfall

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This low mileage preowned 2022 Kia Sportage Nightfall AWD SUV below 33,000 miles, automatic transmission, and 31 MPG, 2.4L 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:	32,635
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.

2013 Ford Edge Limited

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This high mileage preowned 2013 Ford Edge Limited AWD SUV under 129,000 miles, automatic transmission, and 31 MPG, 3.5L gas engine is for sale right now below $8K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$7,779
Est. Payment:	$329.09 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	129,465
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$7,779.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	874.28
Avg. DMV Fee	196.00
Cash Sale Price	$9,018.28
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	$9,018.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Finance Payment	$329.09

(1) Car Finance calculations are based on the used car dealer's advertised price of $7,779.00. 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.

2020 Nissan Kicks SR

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This high mileage preowned 2020 Nissan Kicks SR FWD hatchback under 107,000 miles, cvt transmission, and 31 MPG, 1.6L gas engine is for sale right now below $11K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$10,990
Est. Payment:	$389.26 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	106,692
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$10,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,227.49
Avg. DMV Fee	196.00
Cash Sale Price	$12,582.49
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	$12,582.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Car Loan Payment	$389.26

(1) Car Loan calculations are based on the used car dealer's advertised price of $10,990.00. 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 36 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 Kia Forte LXS

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This low mileage second hand 2024 Kia Forte LXS FWD sedan below 6,000 miles, cvt transmission, and 31 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 Loan Payment	$381.22

(1) Car Loan 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 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.

2016 Chevrolet Cruze 1LT Auto

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This high mileage second hand 2016 Chevrolet Cruze 1LT Auto FWD sedan under 128,000 miles, automatic transmission, and 31 MPG, 1.4L gas engine is for sale right now under $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
Auto Loan Payment	$288.10

(1) Auto Loan 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) 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 30 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.

2024 Ford Escape Active

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This low mileage used 2024 Ford Escape Active AWD SUV below 20,000 miles, automatic transmission, and 31 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
Car Finance Payment	$405.41

(1) Car Finance 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 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.

2023 Chevrolet Trailblazer LT

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This low mileage preowned 2023 Chevrolet Trailblazer LT FWD SUV under 21,000 miles, cvt transmission, and 31 MPG, 1.2L 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:	20,714
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 Finance Payment	$405.41

(1) Auto Finance 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 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.

2007 Lexus RX 350 Base

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This high mileage used 2007 Lexus RX 350 Base AWD SUV under 182,000 miles, automatic transmission, and 31 MPG, 3.5L gas engine is for sale right now under $8K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$7,500
Est. Payment:	$317.79 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	181,814
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$7,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	843.59
Avg. DMV Fee	196.00
Cash Sale Price	$8,708.59
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	$8,708.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Loan Payment	$317.79

(1) Car Loan calculations are based on the used car dealer's advertised price of $7,500.00. 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 30 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 Trailhawk

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This low mileage used 2025 Jeep Compass Trailhawk 4x4 SUV under 43,000 miles, automatic transmission, and 31 MPG, 2.0L gas engine is for sale right now under $22K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$21,401
Est. Payment:	$413.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,252
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$21,401.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,372.70
Avg. DMV Fee	196.00
Cash Sale Price	$24,138.70
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	$24,138.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$413.05

(1) Car Finance calculations are based on the used car dealer's advertised price of $21,401.00. 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.

2023 Chevrolet Malibu LT

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This average mileage second hand 2023 Chevrolet Malibu LT FWD sedan below 74,000 miles, cvt transmission, and 31 MPG, 1.5L gas engine is for sale right now below $16K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$15,990
Est. Payment:	$393.52 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	74,465
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$15,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,777.49
Avg. DMV Fee	196.00
Cash Sale Price	$18,132.49
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	$18,132.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$393.52

(1) Car Loan calculations are based on the used car dealer's advertised price of $15,990.00. 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 54 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 $400 per month for Sale in the Greater Champaign - Springfield - Decatur Area

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

2022 Kia Sportage Nightfall

2013 Ford Edge Limited

2020 Nissan Kicks SR

2024 Kia Forte LXS

2016 Chevrolet Cruze 1LT Auto

2024 Ford Escape Active

2023 Chevrolet Trailblazer LT

2007 Lexus RX 350 Base

2025 Jeep Compass Trailhawk

2023 Chevrolet Malibu LT

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

2022 Kia Sportage Nightfall

Kia Sportage Nightfall

2022 Kia Sportage Nightfall Car Loan Estimate

2013 Ford Edge Limited

Ford Edge Limited

2013 Ford Edge Limited Car Loan Estimate

2020 Nissan Kicks SR

Nissan Kicks SR

2020 Nissan Kicks SR Car Loan Estimate

2024 Kia Forte LXS

Kia Forte LXS

2024 Kia Forte LXS Car Loan Estimate

2016 Chevrolet Cruze 1LT Auto

Chevrolet Cruze 1LT Auto

2016 Chevrolet Cruze 1LT Auto Car Loan Estimate

2024 Ford Escape Active

Ford Escape Active

2024 Ford Escape Active Car Loan Estimate

2023 Chevrolet Trailblazer LT

Chevrolet Trailblazer LT

2023 Chevrolet Trailblazer LT Car Loan Estimate

2007 Lexus RX 350 Base

Lexus RX 350 Base

2007 Lexus RX 350 Base Car Loan Estimate

2025 Jeep Compass Trailhawk

Jeep Compass Trailhawk

2025 Jeep Compass Trailhawk Car Loan Estimate

2023 Chevrolet Malibu LT

Chevrolet Malibu LT

2023 Chevrolet Malibu LT 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

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