Champaign - Springfield - Decatur, IL Area Used Cars Under $55,000

2026 Hyundai PALISADE Limited

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This low mileage certified preowned 2026 Hyundai PALISADE Limited AWD SUV below 6,000 miles, automatic transmission, and 25 MPG, 3.5L gas engine is for sale right now under $51K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$50,286
Est. Payment:	$961.68 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,533
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$50,286.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,550.05
Avg. DMV Fee	196.00
Cash Sale Price	$56,201.05
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	$56,201.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$961.68

(1) Auto Finance calculations are based on the used car dealer's advertised price of $50,286.00. 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.

2020 Ford F-250 Super Duty Lariat

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This average mileage used 2020 Ford F-250 Super Duty Lariat 4x4 pickup under 78,000 miles, automatic transmission, and 25 MPG, 6.7L diesel engine is for sale right now below $52K at Green Hyundai in Springfield, IL. ...View More Details

Sales Price:	$51,500
Est. Payment:	$1248.94 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	78,137
Location:	Springfield, IL

Item	Amount
Used Car Price⁽¹⁾	$51,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,683.59
Avg. DMV Fee	196.00
Cash Sale Price	$57,548.59
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	$57,548.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$1248.94

(1) Car Loan calculations are based on the used car dealer's advertised price of $51,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 54 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 Nissan Armada Platinum

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This low mileage second hand 2024 Nissan Armada Platinum 4x4 SUV under 17,000 miles, automatic transmission, and 25 MPG, 5.6L gas engine is for sale right now below $54K at Bob Ridings Ford in Taylorville, IL. ...View More Details

Sales Price:	$53,990
Est. Payment:	$1032.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,949
Location:	Taylorville, IL

Item	Amount
Used Car Price⁽¹⁾	$53,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,957.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,312.49
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	$60,312.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1032.04

(1) Car Finance calculations are based on the used car dealer's advertised price of $53,990.00. 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.

2023 GMC Sierra 1500 AT4

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This low mileage second hand 2023 GMC Sierra 1500 AT4 4x4 pickup below 42,000 miles, automatic transmission, and 25 MPG, 6.2L gas engine is for sale right now under $51K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$50,790
Est. Payment:	$971.26 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,774
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,790.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,605.49
Avg. DMV Fee	196.00
Cash Sale Price	$56,760.49
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	$56,760.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$971.26

(1) Car Finance calculations are based on the used car dealer's advertised price of $50,790.00. 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 Ford F-150 XL

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This low mileage second hand 2024 Ford F-150 XL 4x4 pickup under 21,000 miles, automatic transmission, and 25 MPG, 5.0L gas engine is for sale right now below $53K at Watseka Ford Lincoln in Watseka, IL. ...View More Details

Sales Price:	$52,348
Est. Payment:	$1000.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,383
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$52,348.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,776.87
Avg. DMV Fee	196.00
Cash Sale Price	$58,489.87
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	$58,489.87
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1000.85

(1) Car Finance calculations are based on the used car dealer's advertised price of $52,348.00. 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 Ford F-150 XLT

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This low mileage second hand 2025 Ford F-150 XLT 4x4 pickup below 9,000 miles, automatic transmission, and 25 MPG, 3.5L hybrid engine is for sale right now under $55K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$54,990
Est. Payment:	$1051.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,235
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$54,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,067.49
Avg. DMV Fee	196.00
Cash Sale Price	$61,422.49
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	$61,422.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$1051.03

(1) Auto Finance calculations are based on the used car dealer's advertised price of $54,990.00. 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 Ram 1500 Laramie

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This low mileage used 2025 Ram 1500 Laramie 4x4 pickup under 8,000 miles, automatic transmission, and 25 MPG, 3.0L gas engine is for sale right now under $52K at Watseka Ford Lincoln in Watseka, IL. ...View More Details

Sales Price:	$51,763
Est. Payment:	$989.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,137
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$51,763.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,712.52
Avg. DMV Fee	196.00
Cash Sale Price	$57,840.52
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	$57,840.52
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$989.74

(1) Car Loan calculations are based on the used car dealer's advertised price of $51,763.00. 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 Ford Bronco Wildtrak

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This low mileage preowned 2024 Ford Bronco Wildtrak 4x4 SUV below 5,000 miles, automatic transmission, and 25 MPG, 2.7L gas engine is for sale right now below $51K at Watseka Ford Lincoln in Watseka, IL. ...View More Details

Sales Price:	$50,879
Est. Payment:	$972.95 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,128
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$50,879.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,615.28
Avg. DMV Fee	196.00
Cash Sale Price	$56,859.28
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	$56,859.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$972.95

(1) Auto Finance calculations are based on the used car dealer's advertised price of $50,879.00. 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 F-150 XL

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This low mileage preowned 2023 Ford F-150 XL 4x4 pickup below 15,000 miles, automatic transmission, and 25 MPG, 3.5L hybrid engine is for sale right now below $52K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$51,490
Est. Payment:	$984.55 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,871
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$51,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,682.49
Avg. DMV Fee	196.00
Cash Sale Price	$57,537.49
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	$57,537.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$984.55

(1) Auto Loan calculations are based on the used car dealer's advertised price of $51,490.00. 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 Lincoln Nautilus Reserve

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This low mileage used 2025 Lincoln Nautilus Reserve AWD SUV under 30,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now under $55K at Courtesy Ford Danville in Danville, IL. ...View More Details

Sales Price:	$54,798
Est. Payment:	$1047.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,940
Location:	Danville, IL

Item	Amount
Used Car Price⁽¹⁾	$54,798.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,046.37
Avg. DMV Fee	196.00
Cash Sale Price	$61,209.37
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	$61,209.37
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1047.38

(1) Car Finance calculations are based on the used car dealer's advertised price of $54,798.00. 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.

Used Cars under $55,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles Priced Below $55,000

2026 Hyundai PALISADE Limited

2020 Ford F-250 Super Duty Lariat

2024 Nissan Armada Platinum

2023 GMC Sierra 1500 AT4

2024 Ford F-150 XL

2025 Ford F-150 XLT

2025 Ram 1500 Laramie

2024 Ford Bronco Wildtrak

2023 Ford F-150 XL

2025 Lincoln Nautilus Reserve

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $55K

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $55,000

Used Cars under $55,000 for Sale in the Greater Champaign - Springfield - Decatur Area

Metro Champaign - Springfield - Decatur Secondhand Used Vehicles Priced Below $55,000

2026 Hyundai PALISADE Limited

Hyundai PALISADE Limited

2026 Hyundai PALISADE Limited Car Loan Estimate

2020 Ford F-250 Super Duty Lariat

Ford F-250 Super Duty Lariat

2020 Ford F-250 Super Duty Lariat Car Loan Estimate

2024 Nissan Armada Platinum

Nissan Armada Platinum

2024 Nissan Armada Platinum Car Loan Estimate

2023 GMC Sierra 1500 AT4

GMC Sierra 1500 AT4

2023 GMC Sierra 1500 AT4 Car Loan Estimate

2024 Ford F-150 XL

Ford F-150 XL

2024 Ford F-150 XL Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2025 Ram 1500 Laramie

Ram 1500 Laramie

2025 Ram 1500 Laramie Car Loan Estimate

2024 Ford Bronco Wildtrak

Ford Bronco Wildtrak

2024 Ford Bronco Wildtrak Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2025 Lincoln Nautilus Reserve Car Loan Estimate

Greater Champaign - Springfield - Decatur Area Cities with Used Cars for Sale Below $55K

Metro Champaign - Springfield - Decatur Area Counties with Used Cars for Sale Below $55,000

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