Naperville, IL Used Cars Under $40,000 |with Payments|

2023 Ford Explorer ST-Line

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This low mileage preowned 2023 Ford Explorer ST-Line AWD SUV below 46,000 miles, automatic transmission, and 27 MPG, 2.3L gas engine is for sale right now below $37K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$36,873
Est. Payment:	$706.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,120
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$36,873.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,074.62
Avg. DMV Fee	196.00
Cash Sale Price	$41,312.62
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	$41,312.62
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$706.92

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,873.00. 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 Acura ADX w/A-SPEC w/Advance

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This low mileage used 2025 Acura ADX w/A-SPEC w/Advance AWD wagon below 3,000 miles, cvt transmission, and 27 MPG, 1.5L gas engine is for sale right now under $38K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$37,595
Est. Payment:	$720.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,488
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$37,595.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,154.04
Avg. DMV Fee	196.00
Cash Sale Price	$42,114.04
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	$42,114.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$720.63

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,595.00. 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 Mustang GT

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This low mileage certified second hand 2023 Ford Mustang GT RWD coupe below 28,000 miles, transmission, and 27 MPG, 5.0L gas engine is for sale right now under $39K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$38,295
Est. Payment:	$733.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,848
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$38,295.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,231.04
Avg. DMV Fee	196.00
Cash Sale Price	$42,891.04
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	$42,891.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.93

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,295.00. 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.

2024 Ford Edge Titanium

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This low mileage certified second hand 2024 Ford Edge Titanium AWD SUV below 15,000 miles, automatic transmission, and 27 MPG, 2.0L gas engine is for sale right now below $37K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$36,495
Est. Payment:	$699.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,305
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$36,495.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,033.04
Avg. DMV Fee	196.00
Cash Sale Price	$40,893.04
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	$40,893.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$699.74

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,495.00. 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.

2022 Lincoln Nautilus Reserve

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This low mileage certified second hand 2022 Lincoln Nautilus Reserve AWD SUV below 12,000 miles, automatic transmission, and 27 MPG, 2.0L gas engine is for sale right now below $38K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$37,560
Est. Payment:	$719.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,993
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$37,560.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,150.19
Avg. DMV Fee	196.00
Cash Sale Price	$42,075.19
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	$42,075.19
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$719.97

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,560.00. 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 Explorer XLT

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This low mileage certified preowned 2024 Ford Explorer XLT AWD SUV below 26,000 miles, automatic transmission, and 27 MPG, 2.3L gas engine is for sale right now below $38K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$37,250
Est. Payment:	$714.08 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,745
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$37,250.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,116.09
Avg. DMV Fee	196.00
Cash Sale Price	$41,731.09
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	$41,731.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$714.08

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,250.00. 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.

2022 Ford F-150 XL

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This high mileage used 2022 Ford F-150 XL 4x4 pickup under 104,000 miles, automatic transmission, and 27 MPG, 3.5L hybrid engine is for sale right now below $40K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$39,999
Est. Payment:	$1385.42 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	104,180
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,418.48
Avg. DMV Fee	196.00
Cash Sale Price	$44,782.48
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	$44,782.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Car Loan Payment	$1385.42

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,999.00. 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 36 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.

2022 Lincoln Nautilus Reserve

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This low mileage certified second hand 2022 Lincoln Nautilus Reserve AWD SUV below 34,000 miles, automatic transmission, and 27 MPG, 2.7L gas engine is for sale right now under $38K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$37,750
Est. Payment:	$723.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,720
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$37,750.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,171.09
Avg. DMV Fee	196.00
Cash Sale Price	$42,286.09
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	$42,286.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$723.58

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,750.00. 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 Mustang Mach-E Premium

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This low mileage certified used 2023 Ford Mustang Mach-E Premium AWD SUV below 21,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $36K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$35,999
Est. Payment:	$690.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,367
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$35,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,978.48
Avg. DMV Fee	196.00
Cash Sale Price	$40,342.48
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	$40,342.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$690.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,999.00. 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.

2021 Lexus ES 350 F SPORT

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This low mileage preowned 2021 Lexus ES 350 F SPORT FWD sedan below 20,000 miles, automatic transmission, and 27 MPG, 3.5L gas engine is for sale right now below $40K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$39,999
Est. Payment:	$766.30 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,292
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,418.48
Avg. DMV Fee	196.00
Cash Sale Price	$44,782.48
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	$44,782.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$766.30

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,999.00. 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 $40,000 for Sale in Naperville, IL

Naperville, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford Explorer ST-Line

2025 Acura ADX w/A-SPEC w/Advance

2023 Ford Mustang GT

2024 Ford Edge Titanium

2022 Lincoln Nautilus Reserve

2024 Ford Explorer XLT

2022 Ford F-150 XL

2022 Lincoln Nautilus Reserve

2023 Ford Mustang Mach-E Premium

2021 Lexus ES 350 F SPORT

Used Cars under $40,000 for Sale in Naperville, IL

Naperville, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford Explorer ST-Line

Ford Explorer ST-Line

2023 Ford Explorer ST-Line Car Loan Estimate

2025 Acura ADX w/A-SPEC w/Advance

Acura ADX w/A-SPEC w/Advance

2025 Acura ADX w/A-SPEC w/Advance Car Loan Estimate

2023 Ford Mustang GT

Ford Mustang GT

2023 Ford Mustang GT Car Loan Estimate

2024 Ford Edge Titanium

Ford Edge Titanium

2024 Ford Edge Titanium Car Loan Estimate

2022 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2022 Lincoln Nautilus Reserve Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Car Loan Estimate

2022 Ford F-150 XL

Ford F-150 XL

2022 Ford F-150 XL Car Loan Estimate

2022 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2022 Lincoln Nautilus Reserve Car Loan Estimate

2023 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2023 Ford Mustang Mach-E Premium Car Loan Estimate

2021 Lexus ES 350 F SPORT

Lexus ES 350 F SPORT

2021 Lexus ES 350 F SPORT Car Loan Estimate

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