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

2020 Ford F-150 Raptor

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This above average mileage preowned 2020 Ford F-150 Raptor 4X4 pickup under 93,000 miles, a transmission, and 20 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:	$44,779
Est. Payment:	$1351.09 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	93,167
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$44,779.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,944.28
Avg. DMV Fee	196.00
Cash Sale Price	$50,088.28
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	$50,088.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1351.09

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,779.00. 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 42 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 Ford F-150 XLT

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This low mileage preowned 2025 Ford F-150 XLT 4X4 pickup under 30,000 miles, a transmission, and 20 MPG, 5.0L gas engine is for sale right now under $42K at Landmark Ford, Inc. in Springfield, IL. ...View More Details

Sales Price:	$41,995
Est. Payment:	$804.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,073
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$41,995.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,638.04
Avg. DMV Fee	196.00
Cash Sale Price	$46,998.04
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	$46,998.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$804.21

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,995.00. 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 Chevrolet Silverado 1500 LT

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This low mileage used 2025 Chevrolet Silverado 1500 LT 4X4 pickup under 31,000 miles, a transmission, and 20 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:	$769.87 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,404
Location:	Monticello, IL

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,991.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$769.87

(1) Car 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) 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 Ford F-150 XLT

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This low mileage second hand 2023 Ford F-150 XLT 4X4 pickup under 18,000 miles, a transmission, and 20 MPG, 2.7L gas engine is for sale right now below $41K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$40,490
Est. Payment:	$775.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,378
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$40,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,472.49
Avg. DMV Fee	196.00
Cash Sale Price	$45,327.49
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	$45,327.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$775.62

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,490.00. 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.

2024 Ford Expedition MAX Limited

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This average mileage used 2024 Ford Expedition MAX Limited 4X4 SUV under 73,000 miles, a transmission, and 20 MPG, 3.5L gas engine is for sale right now under $45K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$44,935
Est. Payment:	$1090.80 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	72,599
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$44,935.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,961.44
Avg. DMV Fee	196.00
Cash Sale Price	$50,261.44
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	$50,261.44
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Finance Payment	$1090.80

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,935.00. 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 54 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 Chevrolet Silverado 1500 ZR2

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This above average mileage used 2022 Chevrolet Silverado 1500 ZR2 4X4 pickup below 98,000 miles, a transmission, and 20 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:	$1237.79 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	97,573
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⁾	42
Auto Finance Payment	$1237.79

(1) Auto 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) 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 42 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.

2026 Ford Explorer ST-Line

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This low mileage used 2026 Ford Explorer ST-Line AWD SUV below 22,000 miles, a transmission, and 20 MPG, 2.3L gas engine is for sale right now under $45K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$44,840
Est. Payment:	$858.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,998
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$44,840.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,950.99
Avg. DMV Fee	196.00
Cash Sale Price	$50,155.99
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	$50,155.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$858.24

(1) Auto Finance calculations are based on the used car dealer's advertised price of $44,840.00. 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 Jeep Grand Cherokee L Limited

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This low mileage second hand 2025 Jeep Grand Cherokee L Limited 4X2 SUV below 13,000 miles, a transmission, and 20 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
Car Loan Payment	$773.04

(1) Car Loan 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) 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 Ford F-150 XLT

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This low mileage used 2023 Ford F-150 XLT 4X4 pickup below 18,000 miles, a transmission, and 20 MPG, 2.7L gas engine is for sale right now under $43K at Mangold Ford of Clinton in Clinton, IL. ...View More Details

Sales Price:	$42,524
Est. Payment:	$814.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,410
Location:	Clinton, IL

Item	Amount
Used Car Price⁽¹⁾	$42,524.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,696.23
Avg. DMV Fee	196.00
Cash Sale Price	$47,585.23
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	$47,585.23
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$814.25

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,524.00. 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 F-150 XLT

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This low mileage preowned 2025 Ford F-150 XLT 4X4 pickup under 35,000 miles, a transmission, and 20 MPG, 5.0L gas engine is for sale right now below $45K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$44,939
Est. Payment:	$860.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,259
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$44,939.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,961.88
Avg. DMV Fee	196.00
Cash Sale Price	$50,265.88
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	$50,265.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$860.12

(1) Auto Finance calculations are based on the used car dealer's advertised price of $44,939.00. 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

2020 Ford F-150 Raptor

2025 Ford F-150 XLT

2025 Chevrolet Silverado 1500 LT

2023 Ford F-150 XLT

2024 Ford Expedition MAX Limited

2022 Chevrolet Silverado 1500 ZR2

2026 Ford Explorer ST-Line

2025 Jeep Grand Cherokee L Limited

2023 Ford F-150 XLT

2025 Ford F-150 XLT

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

2020 Ford F-150 Raptor

Ford F-150 Raptor

2020 Ford F-150 Raptor Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2025 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2025 Chevrolet Silverado 1500 LT Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2024 Ford Expedition MAX Limited

Ford Expedition MAX Limited

2024 Ford Expedition MAX Limited Car Loan Estimate

2022 Chevrolet Silverado 1500 ZR2

Chevrolet Silverado 1500 ZR2

2022 Chevrolet Silverado 1500 ZR2 Car Loan Estimate

2026 Ford Explorer ST-Line

Ford Explorer ST-Line

2026 Ford Explorer ST-Line Car Loan Estimate

2025 Jeep Grand Cherokee L Limited

Jeep Grand Cherokee L Limited

2025 Jeep Grand Cherokee L Limited Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT 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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