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

2020 Ford F-250 Super Duty Lariat

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This average mileage used 2020 Ford F-250 Super Duty Lariat 4x4 pickup below 78,000 miles, automatic transmission, and 20 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
Auto Finance Payment	$1248.94

(1) Auto Finance 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) 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.

2026 Hyundai PALISADE Limited

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This low mileage certified second hand 2026 Hyundai PALISADE Limited AWD SUV below 6,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $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
Car Finance Payment	$961.68

(1) Car 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) 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 used 2025 Ford F-150 XLT 4x4 pickup below 13,000 miles, automatic transmission, and 20 MPG, 2.7L gas engine is for sale right now below $51K at Bob Ridings Ford in Taylorville, IL. ...View More Details

Sales Price:	$50,990
Est. Payment:	$975.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,590
Location:	Taylorville, 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 Finance Payment	$975.06

(1) Car Finance 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 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 convertible under 12,000 miles, transmission, and 20 MPG, 5.0L gas engine is for sale right now under $54K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$53,990
Est. Payment:	$1032.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,878
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.

2025 Ford F-150 XLT

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This low mileage used 2025 Ford F-150 XLT 4x4 pickup under 9,000 miles, automatic transmission, and 20 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.

2023 Ford F-150 XL

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This low mileage preowned 2023 Ford F-150 XL 4x4 pickup below 23,000 miles, automatic transmission, and 20 MPG, 3.5L hybrid engine is for sale right now under $51K at Rick Ridings Ford in Monticello, IL. ...View More Details

Sales Price:	$50,990
Est. Payment:	$975.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,965
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
Auto Finance Payment	$975.06

(1) Auto Finance 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) 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 used 2025 Ford F-150 XLT 4x4 pickup under 6,000 miles, automatic transmission, and 20 MPG, 2.7L 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:	5,901
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.

2026 Ram 1500 Laramie

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This low mileage second hand 2026 Ram 1500 Laramie 4x4 pickup below 11,000 miles, automatic transmission, and 20 MPG, 3.0L gas engine is for sale right now under $55K at Jackson Ford in Decatur, IL. ...View More Details

Sales Price:	$54,202
Est. Payment:	$1036.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,542
Location:	Decatur, IL

Item	Amount
Used Car Price⁽¹⁾	$54,202.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	5,980.81
Avg. DMV Fee	196.00
Cash Sale Price	$60,547.81
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	$60,547.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$1036.06

(1) Car Loan calculations are based on the used car dealer's advertised price of $54,202.00. 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 below 8,000 miles, automatic transmission, and 20 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 Finance Payment	$989.74

(1) Car Finance 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 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 Bronco Outer Banks

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This low mileage second hand 2025 Ford Bronco Outer Banks 4x4 SUV below 15,000 miles, automatic transmission, and 20 MPG, 2.7L gas 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:	14,639
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.

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

2020 Ford F-250 Super Duty Lariat

2026 Hyundai PALISADE Limited

2025 Ford F-150 XLT

2025 Ford Mustang GT Premium

2025 Ford F-150 XLT

2023 Ford F-150 XL

2025 Ford F-150 XLT

2026 Ram 1500 Laramie

2025 Ram 1500 Laramie

2025 Ford Bronco Outer Banks

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

2020 Ford F-250 Super Duty Lariat

Ford F-250 Super Duty Lariat

2020 Ford F-250 Super Duty Lariat Car Loan Estimate

2026 Hyundai PALISADE Limited

Hyundai PALISADE Limited

2026 Hyundai PALISADE Limited 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

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2026 Ram 1500 Laramie

Ram 1500 Laramie

2026 Ram 1500 Laramie Car Loan Estimate

2025 Ram 1500 Laramie

Ram 1500 Laramie

2025 Ram 1500 Laramie Car Loan Estimate

2025 Ford Bronco Outer Banks

Ford Bronco Outer Banks

2025 Ford Bronco Outer Banks 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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