Metro Champaign - Springfield - Decatur, IL Area Used Cars Under $650 a Month

2025 Nissan Murano SL

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This low mileage second hand 2025 Nissan Murano SL AWD SUV below 6,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,486
Est. Payment:	$680.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,459
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$35,486.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,922.05
Avg. DMV Fee	196.00
Cash Sale Price	$39,773.05
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	$39,773.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$680.58

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,486.00. 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.

2021 Honda CR-V Hybrid Touring

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This low mileage second hand 2021 Honda CR-V Hybrid Touring AWD SUV below 28,000 miles, a transmission, and 24 MPG, 2.0L hybrid engine is for sale right now below $33K at Courtesy Ford, Inc. in Danville, IL. ...View More Details

Sales Price:	$32,988
Est. Payment:	$633.13 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,869
Location:	Danville, IL

Item	Amount
Used Car Price⁽¹⁾	$32,988.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,647.27
Avg. DMV Fee	196.00
Cash Sale Price	$37,000.27
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	$37,000.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$633.13

(1) Auto Finance calculations are based on the used car dealer's advertised price of $32,988.00. 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.

2023 Ford Explorer XLT

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This low mileage preowned 2023 Ford Explorer XLT AWD SUV under 32,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $35K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$34,990
Est. Payment:	$671.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,850
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$34,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,867.49
Avg. DMV Fee	196.00
Cash Sale Price	$39,222.49
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	$39,222.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$671.16

(1) Car Finance calculations are based on the used car dealer's advertised price of $34,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2025 Jeep Wrangler Backcountry 4xe

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This low mileage preowned 2025 Jeep Wrangler Backcountry 4xe 4X4 SUV below 17,000 miles, a transmission, and 24 MPG, 2.0L hybrid engine is for sale right now below $35K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$34,990
Est. Payment:	$671.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,110
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$34,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,867.49
Avg. DMV Fee	196.00
Cash Sale Price	$39,222.49
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	$39,222.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$671.16

(1) Car Loan calculations are based on the used car dealer's advertised price of $34,990.00. 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 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.

2018 Jeep Wrangler Unlimited Sport

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This high mileage preowned 2018 Jeep Wrangler Unlimited Sport 4X4 SUV below 108,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $19K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$18,995
Est. Payment:	$664.15 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	108,000
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$18,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,108.04
Avg. DMV Fee	196.00
Cash Sale Price	$21,468.04
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	$21,468.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Finance Payment	$664.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $18,995.00. 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 Hyundai SANTA FE XRT

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This low mileage preowned 2024 Hyundai SANTA FE XRT AWD SUV under 20,000 miles, a transmission, and 24 MPG, 2.5L gas engine is for sale right now below $34K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$33,990
Est. Payment:	$652.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,411
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$33,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,757.49
Avg. DMV Fee	196.00
Cash Sale Price	$38,112.49
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	$38,112.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$652.16

(1) Auto Loan calculations are based on the used car dealer's advertised price of $33,990.00. 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.

2023 Dodge Durango GT

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This low mileage preowned 2023 Dodge Durango GT AWD SUV below 34,000 miles, a transmission, and 24 MPG, 3.6L gas engine is for sale right now below $34K at Courtesy Ford, Inc. in Danville, IL. ...View More Details

Sales Price:	$33,987
Est. Payment:	$652.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,741
Location:	Danville, IL

Item	Amount
Used Car Price⁽¹⁾	$33,987.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,757.16
Avg. DMV Fee	196.00
Cash Sale Price	$38,109.16
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	$38,109.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$652.10

(1) Auto Loan calculations are based on the used car dealer's advertised price of $33,987.00. 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.

2021 Lincoln Nautilus Reserve

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This average mileage preowned 2021 Lincoln Nautilus Reserve FWD SUV below 80,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now below $24K at Courtesy Ford, Inc. in Danville, IL. ...View More Details

Sales Price:	$23,950
Est. Payment:	$647.41 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	80,103
Location:	Danville, IL

Item	Amount
Used Car Price⁽¹⁾	$23,950.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	2,653.09
Avg. DMV Fee	196.00
Cash Sale Price	$26,968.09
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	$26,968.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Loan Payment	$647.41

(1) Car Loan calculations are based on the used car dealer's advertised price of $23,950.00. 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 48 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 Jeep Grand Cherokee L Laredo

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This low mileage used 2024 Jeep Grand Cherokee L Laredo 4X4 SUV under 37,000 miles, a transmission, and 24 MPG, 3.6L gas engine is for sale right now below $34K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$33,388
Est. Payment:	$640.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,044
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$33,388.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,691.27
Avg. DMV Fee	196.00
Cash Sale Price	$37,444.27
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	$37,444.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$640.73

(1) Auto Loan calculations are based on the used car dealer's advertised price of $33,388.00. 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 Ford Explorer XLT

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This low mileage used 2023 Ford Explorer XLT AWD SUV under 30,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $34K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$33,290
Est. Payment:	$638.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,132
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$33,290.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,680.49
Avg. DMV Fee	196.00
Cash Sale Price	$37,335.49
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	$37,335.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$638.87

(1) Auto Loan calculations are based on the used car dealer's advertised price of $33,290.00. 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.

Used Cars under $650 per month for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $650 / Month

2025 Nissan Murano SL

2021 Honda CR-V Hybrid Touring

2023 Ford Explorer XLT

2025 Jeep Wrangler Backcountry 4xe

2018 Jeep Wrangler Unlimited Sport

2024 Hyundai SANTA FE XRT

2023 Dodge Durango GT

2021 Lincoln Nautilus Reserve

2024 Jeep Grand Cherokee L Laredo

2023 Ford Explorer XLT

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $650 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $650 / Month

Used Cars under $650 per month for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles with Payments Under $650 / Month

2025 Nissan Murano SL

Nissan Murano SL

2025 Nissan Murano SL Car Loan Estimate

2021 Honda CR-V Hybrid Touring

Honda CR-V Hybrid Touring

2021 Honda CR-V Hybrid Touring Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2025 Jeep Wrangler Backcountry 4xe

Jeep Wrangler Backcountry 4xe

2025 Jeep Wrangler Backcountry 4xe Car Loan Estimate

2018 Jeep Wrangler Unlimited Sport

Jeep Wrangler Unlimited Sport

2018 Jeep Wrangler Unlimited Sport Car Loan Estimate

2024 Hyundai SANTA FE XRT

Hyundai SANTA FE XRT

2024 Hyundai SANTA FE XRT Car Loan Estimate

2023 Dodge Durango GT

Dodge Durango GT

2023 Dodge Durango GT Car Loan Estimate

2021 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2021 Lincoln Nautilus Reserve Car Loan Estimate

2024 Jeep Grand Cherokee L Laredo

Jeep Grand Cherokee L Laredo

2024 Jeep Grand Cherokee L Laredo Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $650 / Month

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $650 / Month

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