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

2025 Honda Odyssey Sport-L

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This low mileage preowned 2025 Honda Odyssey Sport-L FWD minivan under 24,000 miles, automatic transmission, and 18 MPG, 3.5L gas engine is for sale right now under $38K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$37,500
Est. Payment:	$718.83 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,580
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$37,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,143.59
Avg. DMV Fee	196.00
Cash Sale Price	$42,008.59
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	$42,008.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$718.83

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,500.00. 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 Toyota Camry XSE V6

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This low mileage second hand 2023 Toyota Camry XSE V6 FWD sedan under 28,000 miles, automatic transmission, and 18 MPG, 3.5L gas engine is for sale right now under $36K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$35,999
Est. Payment:	$690.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,629
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$35,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,978.48
Avg. DMV Fee	196.00
Cash Sale Price	$40,342.48
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	$40,342.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$690.32

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,999.00. 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 Ram 1500 Big Horn

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This low mileage used 2023 Ram 1500 Big Horn 4x4 pickup below 30,000 miles, automatic transmission, and 18 MPG, 3.6L hybrid engine is for sale right now under $36K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$35,507
Est. Payment:	$680.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,248
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$35,507.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,924.36
Avg. DMV Fee	196.00
Cash Sale Price	$39,796.36
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	$39,796.36
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$680.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,507.00. 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 Volkswagen Atlas SEL 4Motion

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This low mileage used 2025 Volkswagen Atlas SEL 4Motion AWD SUV under 21,000 miles, automatic transmission, and 18 MPG, 2.0L gas engine is for sale right now under $38K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$37,225
Est. Payment:	$713.61 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,992
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$37,225.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,113.34
Avg. DMV Fee	196.00
Cash Sale Price	$41,703.34
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	$41,703.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$713.61

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,225.00. 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 Grand Cherokee L Limited

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This low mileage second hand 2024 Jeep Grand Cherokee L Limited 4x4 SUV below 22,000 miles, automatic transmission, and 18 MPG, 3.6L gas engine is for sale right now below $37K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$36,590
Est. Payment:	$701.55 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,178
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$36,590.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,043.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,998.49
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	$40,998.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$701.55

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,590.00. 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.

2023 Jeep Wrangler Rubicon

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This low mileage second hand 2023 Jeep Wrangler Rubicon 4x4 SUV below 57,000 miles, automatic transmission, and 18 MPG, 3.6L gas engine is for sale right now under $38K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$37,032
Est. Payment:	$761.76 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	57,176
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$37,032.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,092.11
Avg. DMV Fee	196.00
Cash Sale Price	$41,489.11
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	$41,489.11
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$761.76

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,032.00. 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 66 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 Hyundai SANTA FE Limited

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This low mileage second hand 2025 Hyundai SANTA FE Limited AWD SUV below 7,000 miles, automatic transmission, and 18 MPG, 2.5L gas engine is for sale right now under $38K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$37,205
Est. Payment:	$713.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,679
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$37,205.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,111.14
Avg. DMV Fee	196.00
Cash Sale Price	$41,681.14
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	$41,681.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$713.23

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,205.00. 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.

2023 Toyota Crown Limited

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This low mileage used 2023 Toyota Crown Limited AWD sedan below 34,000 miles, cvt transmission, and 18 MPG, 2.5L hybrid engine is for sale right now below $36K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$35,600
Est. Payment:	$682.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,187
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$35,600.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,934.59
Avg. DMV Fee	196.00
Cash Sale Price	$39,899.59
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	$39,899.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$682.74

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,600.00. 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.

2023 Toyota Highlander Hybrid Limited

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This low mileage second hand 2023 Toyota Highlander Hybrid Limited FWD SUV under 59,000 miles, cvt transmission, and 18 MPG, 2.5L hybrid engine is for sale right now under $39K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$38,850
Est. Payment:	$798.81 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,898
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$38,850.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,292.09
Avg. DMV Fee	196.00
Cash Sale Price	$43,507.09
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	$43,507.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$798.81

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,850.00. 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 66 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.

2022 Jeep Wagoneer Series III

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This average mileage second hand 2022 Jeep Wagoneer Series III 4x4 SUV under 74,000 miles, automatic transmission, and 18 MPG, 5.7L hybrid engine is for sale right now under $40K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$39,225
Est. Payment:	$953.24 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	73,770
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$39,225.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,333.34
Avg. DMV Fee	196.00
Cash Sale Price	$43,923.34
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	$43,923.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Finance Payment	$953.24

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,225.00. 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 54 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.

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

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

2025 Honda Odyssey Sport-L

2023 Toyota Camry XSE V6

2023 Ram 1500 Big Horn

2025 Volkswagen Atlas SEL 4Motion

2024 Jeep Grand Cherokee L Limited

2023 Jeep Wrangler Rubicon

2025 Hyundai SANTA FE Limited

2023 Toyota Crown Limited

2023 Toyota Highlander Hybrid Limited

2022 Jeep Wagoneer Series III

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

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

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

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

2025 Honda Odyssey Sport-L

Honda Odyssey Sport-L

2025 Honda Odyssey Sport-L Car Loan Estimate

2023 Toyota Camry XSE V6

Toyota Camry XSE V6

2023 Toyota Camry XSE V6 Car Loan Estimate

2023 Ram 1500 Big Horn

Ram 1500 Big Horn

2023 Ram 1500 Big Horn Car Loan Estimate

2025 Volkswagen Atlas SEL 4Motion

Volkswagen Atlas SEL 4Motion

2025 Volkswagen Atlas SEL 4Motion Car Loan Estimate

2024 Jeep Grand Cherokee L Limited

Jeep Grand Cherokee L Limited

2024 Jeep Grand Cherokee L Limited Car Loan Estimate

2023 Jeep Wrangler Rubicon

Jeep Wrangler Rubicon

2023 Jeep Wrangler Rubicon Car Loan Estimate

2025 Hyundai SANTA FE Limited

Hyundai SANTA FE Limited

2025 Hyundai SANTA FE Limited Car Loan Estimate

2023 Toyota Crown Limited

Toyota Crown Limited

2023 Toyota Crown Limited Car Loan Estimate

2023 Toyota Highlander Hybrid Limited

Toyota Highlander Hybrid Limited

2023 Toyota Highlander Hybrid Limited Car Loan Estimate

2022 Jeep Wagoneer Series III

Jeep Wagoneer Series III

2022 Jeep Wagoneer Series III Car Loan Estimate

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

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

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