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

2022 Ram 1500 Laramie

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This low mileage preowned 2022 Ram 1500 Laramie 4x4 pickup below 31,000 miles, automatic transmission, and 23 MPG, 5.7L gas engine is for sale right now below $44K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$43,112
Est. Payment:	$825.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,819
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$43,112.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,760.91
Avg. DMV Fee	196.00
Cash Sale Price	$48,237.91
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	$48,237.91
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$825.42

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,112.00. 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.

2024 Hyundai SANTA FE Limited

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This low mileage certified used 2024 Hyundai SANTA FE Limited AWD SUV under 12,000 miles, automatic transmission, and 23 MPG, 2.5L gas engine is for sale right now under $43K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$43,000
Est. Payment:	$823.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,826
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$43,000.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,748.59
Avg. DMV Fee	196.00
Cash Sale Price	$48,113.59
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	$48,113.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$823.30

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,000.00. 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.

2024 Hyundai SANTA FE Limited

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This low mileage certified preowned 2024 Hyundai SANTA FE Limited AWD SUV below 7,000 miles, automatic transmission, and 23 MPG, 2.5L gas engine is for sale right now under $43K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$43,000
Est. Payment:	$823.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,896
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$43,000.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,748.59
Avg. DMV Fee	196.00
Cash Sale Price	$48,113.59
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	$48,113.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$823.30

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,000.00. 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 Ford F-150 Lariat

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This low mileage used 2021 Ford F-150 Lariat 4x4 pickup below 37,000 miles, automatic transmission, and 23 MPG, 3.5L hybrid engine is for sale right now under $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,490
Est. Payment:	$813.61 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,556
Location:	Monticello, 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.

2023 Jeep Wagoneer Base

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This low mileage used 2023 Jeep Wagoneer Base 4x4 SUV below 43,000 miles, automatic transmission, and 23 MPG, 3.0L gas engine is for sale right now under $45K at Courtesy Ford in Danville, IL. ...View More Details

Sales Price:	$44,988
Est. Payment:	$861.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,743
Location:	Danville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,988.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,967.27
Avg. DMV Fee	196.00
Cash Sale Price	$50,320.27
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	$50,320.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$861.06

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Ford Bronco Big Bend

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This low mileage preowned 2025 Ford Bronco Big Bend 4x4 SUV below 16,000 miles, transmission, and 23 MPG, 2.3L gas engine is for sale right now under $45K at Bob Ridings Ford 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.

2025 Ford Explorer ST-Line

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This low mileage preowned 2025 Ford Explorer ST-Line AWD SUV under 15,000 miles, automatic transmission, and 23 MPG, 2.3L gas engine is for sale right now under $44K at Bob Ridings Ford in Taylorville, IL. ...View More Details

Sales Price:	$43,990
Est. Payment:	$842.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,935
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,857.49
Avg. DMV Fee	196.00
Cash Sale Price	$49,212.49
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	$49,212.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$842.10

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,990.00. 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 Ford F-150 XLT

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This low mileage preowned 2023 Ford F-150 XLT 4x4 pickup under 36,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now under $45K at Bob Ridings Ford in Taylorville, IL. ...View More Details

Sales Price:	$44,990
Est. Payment:	$861.09 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,995
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

(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 Ford Explorer ST-Line

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This low mileage preowned 2024 Ford Explorer ST-Line AWD SUV below 18,000 miles, automatic transmission, and 23 MPG, 2.3L gas engine is for sale right now below $42K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$41,685
Est. Payment:	$798.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,047
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$41,685.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,603.94
Avg. DMV Fee	196.00
Cash Sale Price	$46,653.94
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	$46,653.94
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$798.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,685.00. 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.

2024 Cadillac XT6 Premium Luxury

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This low mileage used 2024 Cadillac XT6 Premium Luxury FWD SUV under 15,000 miles, automatic transmission, and 23 MPG, 3.6L gas engine is for sale right now below $43K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$42,754
Est. Payment:	$818.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,459
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$42,754.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,721.53
Avg. DMV Fee	196.00
Cash Sale Price	$47,840.53
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	$47,840.53
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$818.62

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,754.00. 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.

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

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

2022 Ram 1500 Laramie

2024 Hyundai SANTA FE Limited

2024 Hyundai SANTA FE Limited

2021 Ford F-150 Lariat

2023 Jeep Wagoneer Base

2025 Ford Bronco Big Bend

2025 Ford Explorer ST-Line

2023 Ford F-150 XLT

2024 Ford Explorer ST-Line

2024 Cadillac XT6 Premium Luxury

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

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

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

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

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Car Loan Estimate

2024 Hyundai SANTA FE Limited

Hyundai SANTA FE Limited

2024 Hyundai SANTA FE Limited Car Loan Estimate

2024 Hyundai SANTA FE Limited

Hyundai SANTA FE Limited

2024 Hyundai SANTA FE Limited Car Loan Estimate

2021 Ford F-150 Lariat

Ford F-150 Lariat

2021 Ford F-150 Lariat Car Loan Estimate

2023 Jeep Wagoneer Base

Jeep Wagoneer Base

2023 Jeep Wagoneer Base Car Loan Estimate

2025 Ford Bronco Big Bend

Ford Bronco Big Bend

2025 Ford Bronco Big Bend Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2024 Ford Explorer ST-Line

Ford Explorer ST-Line

2024 Ford Explorer ST-Line Car Loan Estimate

2024 Cadillac XT6 Premium Luxury

Cadillac XT6 Premium Luxury

2024 Cadillac XT6 Premium Luxury Car Loan Estimate

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

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

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