Champaign - Springfield - Decatur, IL Area Used Pickups Under $45,000

2023 Ram 2500 Tradesman

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This low mileage used 2023 Ram 2500 Tradesman 4X4 pickup under 3,000 miles, a transmission, and 21 MPG, 6.4L gas engine is for sale right now under $41K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$40,379
Est. Payment:	$1,016.89 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	3,050
Location:	Watseka, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$40,379.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,460.28
Avg. DMV Fee	196.00
Cash Sale Price	$45,204.28
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,600.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,600.00
Total Loan Amount	$43,649.70
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$1,016.89

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,379.00. 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.

2022 Chevrolet Silverado 1500 ZR2

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This above average mileage preowned 2022 Chevrolet Silverado 1500 ZR2 4X4 pickup under 98,000 miles, a transmission, and 21 MPG, 6.2L gas engine is for sale right now below $41K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$40,995
Est. Payment:	$1,449.40 / 42 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	97,573
Location:	Springfield, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$40,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,528.04
Avg. DMV Fee	196.00
Cash Sale Price	$45,888.04
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,600.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,600.00
Total Loan Amount	$44,315.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	42
Car Finance Payment	$1,449.40

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

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

(3) Car Finance Interest rate of 18.86% APR and 42 month car 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 Ford F-150 XLT

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This low mileage used 2025 Ford F-150 XLT 4X4 pickup below 21,000 miles, a transmission, and 21 MPG, 3.5L gas engine is for sale right now below $45K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$44,486
Est. Payment:	$1,120.32 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,911
Location:	Watseka, IL
Estimated Cash Down:	$1,700

Item	Amount
Used Car Price⁽¹⁾	$44,486.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,912.05
Avg. DMV Fee	196.00
Cash Sale Price	$49,763.05
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,700.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,700.00
Total Loan Amount	$48,089.37
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$1,120.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,486.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car 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 Ram 1500 Rebel

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This below average mileage preowned 2025 Ram 1500 Rebel 4X4 pickup under 62,000 miles, a transmission, and 21 MPG, 3.0L gas engine is for sale right now below $45K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$44,795
Est. Payment:	$1,252.40 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	62,315
Location:	Watseka, IL
Estimated Cash Down:	$1,700

Item	Amount
Used Car Price⁽¹⁾	$44,795.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,946.04
Avg. DMV Fee	196.00
Cash Sale Price	$50,106.04
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,700.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,700.00
Total Loan Amount	$48,423.40
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Auto Loan Payment	$1,252.40

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,795.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 60 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.

2023 Ram 1500 Laramie

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This low mileage preowned 2023 Ram 1500 Laramie 4X4 pickup below 34,000 miles, a transmission, and 21 MPG, 5.7L hybrid engine is for sale right now below $44K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$43,975
Est. Payment:	$1,107.45 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	34,327
Location:	Watseka, IL
Estimated Cash Down:	$1,700

Item	Amount
Used Car Price⁽¹⁾	$43,975.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,855.84
Avg. DMV Fee	196.00
Cash Sale Price	$49,195.84
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,700.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,700.00
Total Loan Amount	$47,536.98
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$1,107.45

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,975.00. 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.

2024 Ford Ranger Lariat

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This low mileage used 2024 Ford Ranger Lariat 4X4 pickup below 12,000 miles, a transmission, and 21 MPG, 2.3L gas engine is for sale right now under $43K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$42,790
Est. Payment:	$1,077.61 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	11,593
Location:	Monticello, IL
Estimated Cash Down:	$1,700

Item	Amount
Used Car Price⁽¹⁾	$42,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,725.49
Avg. DMV Fee	196.00
Cash Sale Price	$47,880.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,700.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,700.00
Total Loan Amount	$46,255.99
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$1,077.61

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,790.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Chevrolet Silverado 1500 LT

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This low mileage preowned 2025 Chevrolet Silverado 1500 LT 4X4 pickup under 31,000 miles, a transmission, and 21 MPG, 5.3L gas engine is for sale right now below $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,187
Est. Payment:	$1,012.06 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	31,404
Location:	Monticello, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$40,187.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,439.16
Avg. DMV Fee	196.00
Cash Sale Price	$44,991.16
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,600.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,600.00
Total Loan Amount	$43,442.15
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$1,012.06

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,187.00. 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.

2023 Ford F-150 XLT

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This low mileage preowned 2023 Ford F-150 XLT 4X4 pickup below 8,000 miles, a transmission, and 21 MPG, 3.5L gas engine is for sale right now under $44K at Jackson Ford, Inc. in Decatur, IL. ...View More Details

Sales Price:	$43,412
Est. Payment:	$1,093.27 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	7,801
Location:	Decatur, IL
Estimated Cash Down:	$1,700

Item	Amount
Used Car Price⁽¹⁾	$43,412.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,793.91
Avg. DMV Fee	196.00
Cash Sale Price	$48,570.91
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,700.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,700.00
Total Loan Amount	$46,928.37
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$1,093.27

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,412.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car 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 Ford F-150 XLT

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This low mileage second hand 2025 Ford F-150 XLT 4X4 pickup below 27,000 miles, a transmission, and 21 MPG, 2.7L gas engine is for sale right now below $41K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$40,995
Est. Payment:	$1,032.40 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	26,504
Location:	Springfield, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$40,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,528.04
Avg. DMV Fee	196.00
Cash Sale Price	$45,888.04
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,600.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,600.00
Total Loan Amount	$44,315.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$1,032.40

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

(3) Car Finance Interest rate of 18.86% APR and 72 month car 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 Ford F-150 STX

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This low mileage used 2025 Ford F-150 STX 4X4 pickup below 2,000 miles, a transmission, and 21 MPG, 2.7L gas engine is for sale right now under $41K at Jackson Ford, Inc. in Decatur, IL. ...View More Details

Sales Price:	$40,402
Est. Payment:	$1,017.47 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	1,660
Location:	Decatur, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$40,402.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,462.81
Avg. DMV Fee	196.00
Cash Sale Price	$45,229.81
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,600.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,600.00
Total Loan Amount	$43,674.56
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$1,017.47

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,402.00. 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.

Used Pickups under $45,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Pickups Priced Below $45,000

2023 Ram 2500 Tradesman

2022 Chevrolet Silverado 1500 ZR2

2025 Ford F-150 XLT

2025 Ram 1500 Rebel

2023 Ram 1500 Laramie

2024 Ford Ranger Lariat

2025 Chevrolet Silverado 1500 LT

2023 Ford F-150 XLT

2025 Ford F-150 XLT

2025 Ford F-150 STX

Greater Champaign - Springfield - Decatur Area Cities with Used Pickups for Sale Below $45K

Metro Champaign - Springfield - Decatur Area Counties with Used Pickups for Sale Below $45,000

Used Pickups under $45,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Pickups Priced Below $45,000

2023 Ram 2500 Tradesman

Ram 2500 Tradesman

2023 Ram 2500 Tradesman Poor Credit Auto Loan Estimate

2022 Chevrolet Silverado 1500 ZR2

Chevrolet Silverado 1500 ZR2

2022 Chevrolet Silverado 1500 ZR2 Poor Credit Car Finance Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Poor Credit Car Finance Estimate

2025 Ram 1500 Rebel

Ram 1500 Rebel

2025 Ram 1500 Rebel Poor Credit Auto Loan Estimate

2023 Ram 1500 Laramie

Ram 1500 Laramie

2023 Ram 1500 Laramie Poor Credit Auto Loan Estimate

2024 Ford Ranger Lariat

Ford Ranger Lariat

2024 Ford Ranger Lariat Poor Credit Auto Loan Estimate

2025 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2025 Chevrolet Silverado 1500 LT Poor Credit Auto Finance Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Poor Credit Car Finance Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Poor Credit Car Finance Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Poor Credit Auto Finance Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used Pickups for Sale Below $45K

Metro Champaign - Springfield - Decatur Area Counties with Used Pickups for Sale Below $45,000

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