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

2026 Chevrolet Traverse LT

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This low mileage second hand 2026 Chevrolet Traverse LT 4X4 SUV under 28,000 miles, a transmission, and 22 MPG, 2.5L gas engine is for sale right now below $43K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$42,113
Est. Payment:	$806.45 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,157
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,113.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,651.02
Avg. DMV Fee	196.00
Cash Sale Price	$47,129.02
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	$47,129.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$806.45

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,113.00. 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 Lincoln Corsair Reserve

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This low mileage second hand 2025 Lincoln Corsair Reserve AWD SUV under 19,000 miles, a transmission, and 22 MPG, 2.0L gas engine is for sale right now below $45K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$44,990
Est. Payment:	$861.09 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,068
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,967.49
Avg. DMV Fee	196.00
Cash Sale Price	$50,322.49
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	$50,322.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$861.09

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,990.00. 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 Grand Cherokee L Limited

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This low mileage used 2025 Jeep Grand Cherokee L Limited 4X2 SUV below 13,000 miles, a transmission, and 22 MPG, 3.6L gas engine is for sale right now under $41K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$40,354
Est. Payment:	$773.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,883
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$40,354.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,457.53
Avg. DMV Fee	196.00
Cash Sale Price	$45,176.53
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	$45,176.53
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$773.04

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,354.00. 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 Mazda CX-90 3.3 Turbo S Premium Plus

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This low mileage preowned 2025 Mazda CX-90 3.3 Turbo S Premium Plus AWD SUV below 27,000 miles, a transmission, and 22 MPG, 3.3L hybrid engine is for sale right now under $44K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$43,995
Est. Payment:	$842.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,818
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$43,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,858.04
Avg. DMV Fee	196.00
Cash Sale Price	$49,218.04
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	$49,218.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$842.19

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,995.00. 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 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 Ford Explorer ST-Line

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This low mileage second hand 2025 Ford Explorer ST-Line AWD SUV below 30,000 miles, a transmission, and 22 MPG, 2.3L gas engine is for sale right now under $42K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$41,990
Est. Payment:	$804.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,549
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$41,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,637.49
Avg. DMV Fee	196.00
Cash Sale Price	$46,992.49
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	$46,992.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$804.11

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,990.00. 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.

2025 Ford Bronco Big Bend

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This low mileage second hand 2025 Ford Bronco Big Bend 4X4 SUV under 16,000 miles, transmission, and 22 MPG, 2.3L gas engine is for sale right now under $45K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$44,990
Est. Payment:	$861.09 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,360
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,967.49
Avg. DMV Fee	196.00
Cash Sale Price	$50,322.49
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	$50,322.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$861.09

(1) Auto Finance calculations are based on the used car dealer's advertised price of $44,990.00. 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.

2024 Jeep Wrangler Rubicon

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This low mileage used 2024 Jeep Wrangler Rubicon 4X4 SUV below 20,000 miles, transmission, and 22 MPG, 3.6L gas engine is for sale right now below $44K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$43,490
Est. Payment:	$832.60 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,169
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$43,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,802.49
Avg. DMV Fee	196.00
Cash Sale Price	$48,657.49
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	$48,657.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$832.60

(1) Auto Finance calculations are based on the used car dealer's advertised price of $43,490.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Expedition Limited

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This below average mileage preowned 2023 Ford Expedition Limited 4X4 SUV under 70,000 miles, a transmission, and 22 MPG, 3.5L gas engine is for sale right now under $43K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$42,995
Est. Payment:	$955.55 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	69,993
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$42,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,748.04
Avg. DMV Fee	196.00
Cash Sale Price	$48,108.04
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	$48,108.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$955.55

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,995.00. 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 130%.

(3) Car Finance Interest rate of 7.13% APR and 60 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.

2022 Ford Bronco Base Advanced

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This low mileage preowned 2022 Ford Bronco Base Advanced 4X4 SUV under 39,000 miles, a transmission, and 22 MPG, 2.3L gas engine is for sale right now under $43K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$42,490
Est. Payment:	$813.61 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,500
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$42,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,692.49
Avg. DMV Fee	196.00
Cash Sale Price	$47,547.49
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	$47,547.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$813.61

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,490.00. 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.

2025 Jeep Grand Cherokee L Limited

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This low mileage used 2025 Jeep Grand Cherokee L Limited 4X4 SUV below 9,000 miles, a transmission, and 22 MPG, 3.6L gas engine is for sale right now under $41K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$40,995
Est. Payment:	$785.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,367
Location:	Springfield, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,888.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$785.21

(1) Auto Loan 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) 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 SUVs under $45,000 for Sale in the Greater Champaign - Springfield - Decatur Area

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

2026 Chevrolet Traverse LT

2025 Lincoln Corsair Reserve

2025 Jeep Grand Cherokee L Limited

2025 Mazda CX-90 3.3 Turbo S Premium Plus

2025 Ford Explorer ST-Line

2025 Ford Bronco Big Bend

2024 Jeep Wrangler Rubicon

2023 Ford Expedition Limited

2022 Ford Bronco Base Advanced

2025 Jeep Grand Cherokee L Limited

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

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

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

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

2026 Chevrolet Traverse LT

Chevrolet Traverse LT

2026 Chevrolet Traverse LT Car Loan Estimate

2025 Lincoln Corsair Reserve

Lincoln Corsair Reserve

2025 Lincoln Corsair Reserve Car Loan Estimate

2025 Jeep Grand Cherokee L Limited

Jeep Grand Cherokee L Limited

2025 Jeep Grand Cherokee L Limited Car Loan Estimate

2025 Mazda CX-90 3.3 Turbo S Premium Plus

Mazda CX-90 3.3 Turbo S Premium Plus

2025 Mazda CX-90 3.3 Turbo S Premium Plus Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2025 Ford Bronco Big Bend

Ford Bronco Big Bend

2025 Ford Bronco Big Bend Car Loan Estimate

2024 Jeep Wrangler Rubicon

Jeep Wrangler Rubicon

2024 Jeep Wrangler Rubicon Car Loan Estimate

2023 Ford Expedition Limited

Ford Expedition Limited

2023 Ford Expedition Limited Car Loan Estimate

2022 Ford Bronco Base Advanced

Ford Bronco Base Advanced

2022 Ford Bronco Base Advanced Car Loan Estimate

2025 Jeep Grand Cherokee L Limited

Jeep Grand Cherokee L Limited

2025 Jeep Grand Cherokee L Limited Car Loan Estimate

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

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

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