Metro Champaign - Springfield - Decatur, IL Area Used Cars Under $450 a Month

2023 Hyundai TUCSON SEL

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This low mileage second hand 2023 Hyundai TUCSON SEL FWD SUV below 57,000 miles, a transmission, and 29 MPG, 2.5L gas engine is for sale right now under $22K at K.C. Summers Hyundai in Mattoon, IL. ...View More Details

Sales Price:	$21,977
Est. Payment:	$454.94 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	57,330
Location:	Mattoon, IL

Item	Amount
Used Car Price⁽¹⁾	$21,977.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,436.06
Avg. DMV Fee	196.00
Cash Sale Price	$24,778.06
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	$24,778.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$454.94

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,977.00. 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 66 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 Hyundai ELANTRA Limited

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This high mileage second hand 2016 Hyundai ELANTRA Limited FWD sedan below 148,000 miles, m transmission, and 29 MPG, 1.8L gas engine is for sale right now below $8K at K.C. Summers Hyundai in Mattoon, IL. ...View More Details

Sales Price:	$7,955
Est. Payment:	$336.22 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	148,119
Location:	Mattoon, IL

Item	Amount
Used Car Price⁽¹⁾	$7,955.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	893.64
Avg. DMV Fee	196.00
Cash Sale Price	$9,213.64
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	$9,213.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Loan Payment	$336.22

(1) Car Loan calculations are based on the used car dealer's advertised price of $7,955.00. 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.

2023 Nissan Kicks SV

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This low mileage second hand 2023 Nissan Kicks SV FWD wagon below 23,000 miles, cvt transmission, and 29 MPG, 1.6L gas engine is for sale right now below $24K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$23,990
Est. Payment:	$462.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,831
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$23,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,657.49
Avg. DMV Fee	196.00
Cash Sale Price	$27,012.49
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	$27,012.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$462.22

(1) Auto Finance calculations are based on the used car dealer's advertised price of $23,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 LX

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This low mileage used 2025 Kia K4 LX FWD sedan below 17,000 miles, cvt transmission, and 29 MPG, 2.0L gas engine is for sale right now below $23K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$22,345
Est. Payment:	$430.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,412
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$22,345.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,476.54
Avg. DMV Fee	196.00
Cash Sale Price	$25,186.54
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	$25,186.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$430.98

(1) Auto Finance calculations are based on the used car dealer's advertised price of $22,345.00. 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.

2024 Nissan Rogue SV

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This low mileage preowned 2024 Nissan Rogue SV AWD wagon below 49,000 miles, cvt transmission, and 29 MPG, 1.5L gas engine is for sale right now under $22K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$21,795
Est. Payment:	$420.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	49,108
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$21,795.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,416.04
Avg. DMV Fee	196.00
Cash Sale Price	$24,576.04
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	$24,576.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$420.53

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,795.00. 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 Kia K4 LXS

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This low mileage second hand 2025 Kia K4 LXS FWD sedan under 4,000 miles, cvt transmission, and 29 MPG, 2.0L gas engine is for sale right now under $24K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$23,490
Est. Payment:	$452.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,237
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,602.49
Avg. DMV Fee	196.00
Cash Sale Price	$26,457.49
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	$26,457.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$452.73

(1) Auto Loan calculations are based on the used car dealer's advertised price of $23,490.00. 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.

2015 BMW 4 Series 428i xDrive

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This above average mileage second hand 2015 BMW 4 Series 428i xDrive AWD coupe below 91,000 miles, a transmission, and 29 MPG, 2.0L gas engine is for sale right now under $14K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$13,790
Est. Payment:	$423.24 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,689
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$13,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	1,535.49
Avg. DMV Fee	196.00
Cash Sale Price	$15,690.49
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	$15,690.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$423.24

(1) Car Finance calculations are based on the used car dealer's advertised price of $13,790.00. 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 42 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.

2024 Chevrolet Equinox LT

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This low mileage used 2024 Chevrolet Equinox LT 4X4 SUV under 59,000 miles, a transmission, and 29 MPG, 1.5L gas engine is for sale right now under $22K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$21,981
Est. Payment:	$455.02 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,196
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$21,981.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,436.50
Avg. DMV Fee	196.00
Cash Sale Price	$24,782.50
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	$24,782.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$455.02

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,981.00. 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 66 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.

2023 Ford Escape Active

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This low mileage used 2023 Ford Escape Active AWD SUV below 27,000 miles, a transmission, and 29 MPG, 1.5L gas engine is for sale right now under $24K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$23,288
Est. Payment:	$448.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,476
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,288.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,580.27
Avg. DMV Fee	196.00
Cash Sale Price	$26,233.27
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	$26,233.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$448.89

(1) Auto Loan calculations are based on the used car dealer's advertised price of $23,288.00. 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.

2023 Hyundai TUCSON SEL

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This low mileage preowned 2023 Hyundai TUCSON SEL FWD SUV below 33,000 miles, a transmission, and 29 MPG, 2.5L gas engine is for sale right now under $24K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$23,668
Est. Payment:	$456.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,414
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$23,668.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,622.07
Avg. DMV Fee	196.00
Cash Sale Price	$26,655.07
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	$26,655.07
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$456.11

(1) Car Finance calculations are based on the used car dealer's advertised price of $23,668.00. 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 $450 per month for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $450 / Month

2023 Hyundai TUCSON SEL

2016 Hyundai ELANTRA Limited

2023 Nissan Kicks SV

2025 Kia K4 LX

2024 Nissan Rogue SV

2025 Kia K4 LXS

2015 BMW 4 Series 428i xDrive

2024 Chevrolet Equinox LT

2023 Ford Escape Active

2023 Hyundai TUCSON SEL

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $450 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $450 / Month

Used Cars under $450 per month for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $450 / Month

2023 Hyundai TUCSON SEL

Hyundai TUCSON SEL

2023 Hyundai TUCSON SEL Car Loan Estimate

2016 Hyundai ELANTRA Limited

Hyundai ELANTRA Limited

2016 Hyundai ELANTRA Limited Car Loan Estimate

2023 Nissan Kicks SV

Nissan Kicks SV

2023 Nissan Kicks SV Car Loan Estimate

2025 Kia K4 LX

Kia K4 LX

2025 Kia K4 LX Car Loan Estimate

2024 Nissan Rogue SV

Nissan Rogue SV

2024 Nissan Rogue SV Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Car Loan Estimate

2015 BMW 4 Series 428i xDrive

BMW 4 Series 428i xDrive

2015 BMW 4 Series 428i xDrive Car Loan Estimate

2024 Chevrolet Equinox LT

Chevrolet Equinox LT

2024 Chevrolet Equinox LT Car Loan Estimate

2023 Ford Escape Active

Ford Escape Active

2023 Ford Escape Active Car Loan Estimate

2023 Hyundai TUCSON SEL

Hyundai TUCSON SEL

2023 Hyundai TUCSON SEL Car Loan Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $450 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $450 / Month

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