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

2025 Nissan Armada SL

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This low mileage second hand 2025 Nissan Armada SL 4X4 SUV under 15,000 miles, a transmission, and 3.5L gas engine is for sale right now under $55K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$54,490
Est. Payment:	$1041.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,322
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$54,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,012.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,867.49
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	$60,867.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$1041.53

(1) Car Loan calculations are based on the used car dealer's advertised price of $54,490.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 F-150 XLT

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This low mileage preowned 2025 Ford F-150 XLT 4X4 pickup below 9,000 miles, a transmission, and 3.5L hybrid engine is for sale right now under $55K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$54,490
Est. Payment:	$1041.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,235
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$54,490.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	6,012.49
Avg. DMV Fee	196.00
Cash Sale Price	$60,867.49
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	$60,867.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1041.53

(1) Car Finance calculations are based on the used car dealer's advertised price of $54,490.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Mustang GT Premium

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This low mileage used 2025 Ford Mustang GT Premium RWD convertible under 3,000 miles, transmission, and 5.0L gas engine is for sale right now under $54K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$53,990
Est. Payment:	$1032.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	2,941
Location:	Monticello, 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 Ford F-150 Lariat

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This low mileage used 2023 Ford F-150 Lariat 4X4 pickup below 23,000 miles, a transmission, and 3.5L hybrid engine is for sale right now below $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,702
Est. Payment:	$969.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,965
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,702.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,595.81
Avg. DMV Fee	196.00
Cash Sale Price	$56,662.81
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	$56,662.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$969.59

(1) Car Loan calculations are based on the used car dealer's advertised price of $50,702.00. 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 Lincoln Aviator Premiere

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This low mileage second hand 2025 Lincoln Aviator Premiere AWD SUV below 19,000 miles, a transmission, and 3.0L gas engine is for sale right now under $53K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$52,986
Est. Payment:	$1012.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,161
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$52,986.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,847.05
Avg. DMV Fee	196.00
Cash Sale Price	$59,198.05
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	$59,198.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$1012.97

(1) Car Finance calculations are based on the used car dealer's advertised price of $52,986.00. 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 Mustang GT Premium

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This low mileage second hand 2025 Ford Mustang GT Premium RWD coupe under 4,000 miles, transmission, and 5.0L gas engine is for sale right now under $51K at Rick Ridings Ford, Inc. in Monticello, IL. ...View More Details

Sales Price:	$50,990
Est. Payment:	$975.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,203
Location:	Monticello, IL

Item	Amount
Used Car Price⁽¹⁾	$50,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,627.49
Avg. DMV Fee	196.00
Cash Sale Price	$56,982.49
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	$56,982.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$975.06

(1) Car Loan calculations are based on the used car dealer's advertised price of $50,990.00. 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 Ram 1500 Laramie

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This low mileage second hand 2025 Ram 1500 Laramie 4X4 pickup under 8,000 miles, a transmission, and 3.0L gas engine is for sale right now below $51K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$50,884
Est. Payment:	$973.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,137
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$50,884.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,615.83
Avg. DMV Fee	196.00
Cash Sale Price	$56,864.83
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	$56,864.83
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$973.04

(1) Car Loan calculations are based on the used car dealer's advertised price of $50,884.00. 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 F-150 XLT

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This low mileage used 2024 Ford F-150 XLT 4X4 pickup under 7,000 miles, a transmission, and 3.5L gas engine is for sale right now below $54K at Bob Ridings Ford Inc in Taylorville, IL. ...View More Details

Sales Price:	$53,990
Est. Payment:	$1032.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,827
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
Auto Finance Payment	$1032.04

(1) Auto 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) 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 Lincoln Nautilus Reserve

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This low mileage used 2024 Lincoln Nautilus Reserve AWD SUV below 19,000 miles, a transmission, and 2.0L gas engine is for sale right now below $51K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$50,900
Est. Payment:	$973.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,025
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$50,900.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,617.59
Avg. DMV Fee	196.00
Cash Sale Price	$56,882.59
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	$56,882.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$973.35

(1) Car Finance calculations are based on the used car dealer's advertised price of $50,900.00. 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-350 Super Duty XLT

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This above average mileage preowned 2024 Ford F-350 Super Duty XLT 4X4 pickup under 93,000 miles, a transmission, and 6.7L diesel engine is for sale right now below $53K at Watseka Ford Lincoln, Inc. in Watseka, IL. ...View More Details

Sales Price:	$52,272
Est. Payment:	$1575.44 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	92,556
Location:	Watseka, IL

Item	Amount
Used Car Price⁽¹⁾	$52,272.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,768.51
Avg. DMV Fee	196.00
Cash Sale Price	$58,405.51
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	$58,405.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1575.44

(1) Car Finance calculations are based on the used car dealer's advertised price of $52,272.00. 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.

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

2025 Nissan Armada SL

2025 Ford F-150 XLT

2025 Ford Mustang GT Premium

2023 Ford F-150 Lariat

2025 Lincoln Aviator Premiere

2025 Ford Mustang GT Premium

2025 Ram 1500 Laramie

2024 Ford F-150 XLT

2024 Lincoln Nautilus Reserve

2024 Ford F-350 Super Duty XLT

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

2025 Nissan Armada SL

Nissan Armada SL

2025 Nissan Armada SL Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2025 Ford Mustang GT Premium

Ford Mustang GT Premium

2025 Ford Mustang GT Premium Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2025 Lincoln Aviator Premiere

Lincoln Aviator Premiere

2025 Lincoln Aviator Premiere Car Loan Estimate

2025 Ford Mustang GT Premium

Ford Mustang GT Premium

2025 Ford Mustang GT Premium Car Loan Estimate

2025 Ram 1500 Laramie

Ram 1500 Laramie

2025 Ram 1500 Laramie Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2024 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2024 Lincoln Nautilus Reserve Car Loan Estimate

2024 Ford F-350 Super Duty XLT

Ford F-350 Super Duty XLT

2024 Ford F-350 Super Duty XLT 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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