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

2024 Ford Escape Active

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This low mileage preowned 2024 Ford Escape Active AWD SUV below 20,000 miles, automatic transmission, and 29 MPG, 1.5L 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:	$528.83 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,357
Location:	Urbana, IL
Estimated Cash Down:	$1,000

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⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$22,699.92
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$528.83

(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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 72 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Jeep Compass Trailhawk

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This low mileage preowned 2025 Jeep Compass Trailhawk 4x4 SUV below 45,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now under $22K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$21,500
Est. Payment:	$541.45 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	45,089
Location:	Urbana, IL
Estimated Cash Down:	$1,100

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⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$23,241.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$541.45

(1) Car Loan 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 Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Kia K4 LXS

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This low mileage preowned 2025 Kia K4 LXS FWD sedan under 37,000 miles, cvt transmission, and 29 MPG, 2.0L gas engine is for sale right now below $22K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$21,325
Est. Payment:	$537.04 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	36,560
Location:	Urbana, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$21,325.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,364.34
Avg. DMV Fee	196.00
Cash Sale Price	$24,054.34
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$23,052.33
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$537.04

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,325.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2019 Mitsubishi Outlander SEL

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This low mileage used 2019 Mitsubishi Outlander SEL AWD SUV under 52,000 miles, cvt transmission, and 29 MPG, 2.4L gas engine is for sale right now under $18K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$17,777
Est. Payment:	$469.92 / 66 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	51,991
Location:	Urbana, IL
Estimated Cash Down:	$900

Item	Amount
Used Car Price⁽¹⁾	$17,777.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,974.06
Avg. DMV Fee	196.00
Cash Sale Price	$20,116.06
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	900.00
Factory Rebate Incentive	0.00
Total Down Payment	$900.00
Total Loan Amount	$19,216.94
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	66
Auto Finance Payment	$469.92

(1) Auto Finance calculations are based on the used car dealer's advertised price of $17,777.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Auto Finance Interest rate of 18.86% APR and 66 month auto finance term are based on the national average for a credit score range from 501-600. 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 29 MPG, 1.2L 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:	$528.83 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,714
Location:	Urbana, IL
Estimated Cash Down:	$1,000

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⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$22,699.92
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$528.83

(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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. 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 29 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:	$353.72 / 30 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	129,465
Location:	Urbana, IL
Estimated Cash Down:	$700

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⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$8,409.10
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	30
Car Loan Payment	$353.72

(1) Car Loan 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 Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 30 month car loan term are based on the national average for a credit score range from 501-600. 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 below 182,000 miles, automatic transmission, and 29 MPG, 3.5L gas engine is for sale right now below $8K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$7,500
Est. Payment:	$341.03 / 30 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	181,814
Location:	Urbana, IL
Estimated Cash Down:	$700

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⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$8,107.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	30
Auto Loan Payment	$341.03

(1) Auto 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) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Auto Loan Interest rate of 18.86% APR and 30 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Kia Sportage Nightfall

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This low mileage preowned 2022 Kia Sportage Nightfall AWD SUV under 33,000 miles, automatic transmission, and 29 MPG, 2.4L gas engine is for sale right now under $20K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$20,000
Est. Payment:	$503.67 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	32,635
Location:	Urbana, IL
Estimated Cash Down:	$1,000

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⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$21,620.00
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$503.67

(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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Jeep Compass Trailhawk

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This low mileage second hand 2025 Jeep Compass Trailhawk 4x4 SUV below 43,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now below $22K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$21,401
Est. Payment:	$538.96 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	43,252
Location:	Urbana, IL
Estimated Cash Down:	$1,100

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⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$23,134.48
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$538.96

(1) Car Loan 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 Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Volkswagen Taos S 4Motion

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This average mileage used 2022 Volkswagen Taos S 4Motion AWD SUV below 73,000 miles, automatic transmission, and 29 MPG, 1.5L gas engine is for sale right now under $17K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$16,822
Est. Payment:	$502.11 / 54 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	73,435
Location:	Springfield, IL
Estimated Cash Down:	$900

Item	Amount
Used Car Price⁽¹⁾	$16,822.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,869.01
Avg. DMV Fee	196.00
Cash Sale Price	$19,056.01
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	900.00
Factory Rebate Incentive	0.00
Total Down Payment	$900.00
Total Loan Amount	$18,184.58
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	54
Car Loan Payment	$502.11

(1) Car Loan calculations are based on the used car dealer's advertised price of $16,822.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 54 month car loan term are based on the national average for a credit score range from 501-600. 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 Ford Escape Active

2025 Jeep Compass Trailhawk

2025 Kia K4 LXS

2019 Mitsubishi Outlander SEL

2023 Chevrolet Trailblazer LT

2013 Ford Edge Limited

2007 Lexus RX 350 Base

2022 Kia Sportage Nightfall

2025 Jeep Compass Trailhawk

2022 Volkswagen Taos S 4Motion

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 Ford Escape Active

Ford Escape Active

2024 Ford Escape Active Poor Credit Auto Finance Estimate

2025 Jeep Compass Trailhawk

Jeep Compass Trailhawk

2025 Jeep Compass Trailhawk Poor Credit Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Poor Credit Car Loan Estimate

2019 Mitsubishi Outlander SEL

Mitsubishi Outlander SEL

2019 Mitsubishi Outlander SEL Poor Credit Auto Finance Estimate

2023 Chevrolet Trailblazer LT

Chevrolet Trailblazer LT

2023 Chevrolet Trailblazer LT Poor Credit Car Loan Estimate

2013 Ford Edge Limited

Ford Edge Limited

2013 Ford Edge Limited Poor Credit Car Loan Estimate

2007 Lexus RX 350 Base

Lexus RX 350 Base

2007 Lexus RX 350 Base Poor Credit Auto Loan Estimate

2022 Kia Sportage Nightfall

Kia Sportage Nightfall

2022 Kia Sportage Nightfall Poor Credit Auto Loan Estimate

2025 Jeep Compass Trailhawk

Jeep Compass Trailhawk

2025 Jeep Compass Trailhawk Poor Credit Car Loan Estimate

2022 Volkswagen Taos S 4Motion

Volkswagen Taos S 4Motion

2022 Volkswagen Taos S 4Motion Poor Credit 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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