Champaign - Springfield - Decatur, IL Area Used SUVs Under $40,000

2025 Hyundai PALISADE SEL Premium

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This low mileage second hand 2025 Hyundai PALISADE SEL Premium AWD SUV below 21,000 miles, a transmission, and 24 MPG, 3.8L gas engine is for sale right now under $39K at K.C. Summers Hyundai in Mattoon, IL. ...View More Details

Sales Price:	$38,597
Est. Payment:	$972.01 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,506
Location:	Mattoon, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$38,597.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,264.26
Avg. DMV Fee	196.00
Cash Sale Price	$43,226.26
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	$41,723.36
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$972.01

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,597.00. 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.

2023 Hyundai PALISADE XRT

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This low mileage used 2023 Hyundai PALISADE XRT AWD SUV under 29,000 miles, a transmission, and 24 MPG, 3.8L gas engine is for sale right now under $36K at K.C. Summers Hyundai in Mattoon, IL. ...View More Details

Sales Price:	$35,977
Est. Payment:	$906.03 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	28,866
Location:	Mattoon, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$35,977.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,976.06
Avg. DMV Fee	196.00
Cash Sale Price	$40,318.06
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$38,891.14
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$906.03

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,977.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Explorer XLT

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This low mileage preowned 2023 Ford Explorer XLT AWD SUV under 21,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $37K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$36,990
Est. Payment:	$931.54 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,876
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,087.49
Avg. DMV Fee	196.00
Cash Sale Price	$41,442.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$39,986.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$931.54

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,990.00. 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 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 Explorer ST-Line

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This low mileage second hand 2025 Ford Explorer ST-Line AWD SUV below 36,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $37K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$36,995
Est. Payment:	$931.67 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	36,432
Location:	Springfield, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$36,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,088.04
Avg. DMV Fee	196.00
Cash Sale Price	$41,448.04
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$39,991.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$931.67

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2023 Ford Bronco Big Bend

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This low mileage preowned 2023 Ford Bronco Big Bend 4X4 SUV below 20,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $36K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$35,372
Est. Payment:	$890.80 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	19,676
Location:	Watseka, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$35,372.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,909.51
Avg. DMV Fee	196.00
Cash Sale Price	$39,646.51
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$38,237.13
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$890.80

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,372.00. 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 Telluride S

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This low mileage second hand 2025 Kia Telluride S FWD SUV below 22,000 miles, a transmission, and 24 MPG, 3.8L gas engine is for sale right now under $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$906.36 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	22,042
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,332.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$38,905.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$906.36

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,990.00. 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 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.

2026 Hyundai PALISADE SEL Convenience

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This low mileage used 2026 Hyundai PALISADE SEL Convenience FWD SUV below 13,000 miles, a transmission, and 24 MPG, 3.5L gas engine is for sale right now below $40K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$39,990
Est. Payment:	$1,007.09 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	12,803
Location:	Monticello, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$39,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.49
Avg. DMV Fee	196.00
Cash Sale Price	$44,772.49
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	$43,229.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$1,007.09

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,990.00. 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 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.

2024 Ford Explorer XLT

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This low mileage used 2024 Ford Explorer XLT AWD SUV below 30,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $36K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$906.36 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	29,747
Location:	Monticello, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,332.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$38,905.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$906.36

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,990.00. 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 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 Lincoln Corsair Premiere

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This low mileage second hand 2025 Lincoln Corsair Premiere AWD SUV under 7,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now below $39K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$38,990
Est. Payment:	$981.91 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	6,921
Location:	Monticello, IL
Estimated Cash Down:	$1,600

Item	Amount
Used Car Price⁽¹⁾	$38,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,307.49
Avg. DMV Fee	196.00
Cash Sale Price	$43,662.49
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	$42,148.19
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$981.91

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,990.00. 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 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 Explorer Limited

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This low mileage preowned 2023 Ford Explorer Limited AWD SUV below 19,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $38K at Jackson Ford, Inc. in Decatur, IL. ...View More Details

Sales Price:	$37,179
Est. Payment:	$936.30 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	18,851
Location:	Decatur, IL
Estimated Cash Down:	$1,500

Item	Amount
Used Car Price⁽¹⁾	$37,179.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,108.28
Avg. DMV Fee	196.00
Cash Sale Price	$41,652.28
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,500.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,500.00
Total Loan Amount	$40,190.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$936.30

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,179.00. 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.

Used SUVs under $40,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used SUVs Priced Below $40,000

2025 Hyundai PALISADE SEL Premium

2023 Hyundai PALISADE XRT

2023 Ford Explorer XLT

2025 Ford Explorer ST-Line

2023 Ford Bronco Big Bend

2025 Kia Telluride S

2026 Hyundai PALISADE SEL Convenience

2024 Ford Explorer XLT

2025 Lincoln Corsair Premiere

2023 Ford Explorer Limited

Greater Champaign - Springfield - Decatur Area Cities with Used SUVs for Sale Below $40K

Metro Champaign - Springfield - Decatur Area Counties with Used SUVs for Sale Below $40,000

Used SUVs under $40,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used SUVs Priced Below $40,000

2025 Hyundai PALISADE SEL Premium

Hyundai PALISADE SEL Premium

2025 Hyundai PALISADE SEL Premium Poor Credit Car Loan Estimate

2023 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2023 Hyundai PALISADE XRT Poor Credit Auto Finance Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Car Finance Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Poor Credit Car Loan Estimate

2023 Ford Bronco Big Bend

Ford Bronco Big Bend

2023 Ford Bronco Big Bend Poor Credit Car Loan Estimate

2025 Kia Telluride S

Kia Telluride S

2025 Kia Telluride S Poor Credit Car Loan Estimate

2026 Hyundai PALISADE SEL Convenience

Hyundai PALISADE SEL Convenience

2026 Hyundai PALISADE SEL Convenience Poor Credit Car Finance Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Poor Credit Auto Loan Estimate

2025 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2025 Lincoln Corsair Premiere Poor Credit Auto Finance Estimate

2023 Ford Explorer Limited

Ford Explorer Limited

2023 Ford Explorer Limited Poor Credit Auto Loan Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used SUVs for Sale Below $40K

Metro Champaign - Springfield - Decatur Area Counties with Used SUVs for Sale Below $40,000

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