Naperville, IL Used Cars Under $45,000 |with Payments|

2022 Lincoln Aviator Reserve

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This low mileage certified used 2022 Lincoln Aviator Reserve AWD SUV below 47,000 miles, automatic transmission, and 21 MPG, 3.0L gas engine is for sale right now below $42K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$41,875
Est. Payment:	$801.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,414
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$41,875.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,624.84
Avg. DMV Fee	196.00
Cash Sale Price	$46,864.84
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	$46,864.84
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$801.93

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,875.00. 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 Mustang Mach-E GT

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This low mileage certified preowned 2025 Ford Mustang Mach-E GT AWD SUV below 10,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $45K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$44,595
Est. Payment:	$853.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,305
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,595.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,924.04
Avg. DMV Fee	196.00
Cash Sale Price	$49,884.04
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	$49,884.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$853.59

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,595.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 Mustang Mach-E GT

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This low mileage certified preowned 2025 Ford Mustang Mach-E GT AWD SUV under 4,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $45K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$44,795
Est. Payment:	$857.39 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,211
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,795.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,946.04
Avg. DMV Fee	196.00
Cash Sale Price	$50,106.04
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	$50,106.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$857.39

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,795.00. 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 Lincoln Corsair Reserve

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This low mileage certified second hand 2025 Lincoln Corsair Reserve AWD SUV below 14,000 miles, automatic transmission, and 21 MPG, 2.0L gas engine is for sale right now below $45K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$44,681
Est. Payment:	$855.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,894
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,681.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,933.50
Avg. DMV Fee	196.00
Cash Sale Price	$49,979.50
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	$49,979.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$855.22

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,681.00. 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 certified preowned 2023 Ford F-150 Lariat 4x4 pickup under 47,000 miles, automatic transmission, and 21 MPG, 3.5L gas engine is for sale right now below $45K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$44,250
Est. Payment:	$847.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,232
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,250.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,886.09
Avg. DMV Fee	196.00
Cash Sale Price	$49,501.09
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	$49,501.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$847.04

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,250.00. 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.

2023 Ford F-150 Platinum

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This low mileage certified preowned 2023 Ford F-150 Platinum 4x4 pickup under 32,000 miles, automatic transmission, and 21 MPG, 3.5L hybrid engine is for sale right now under $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,704
Est. Payment:	$836.67 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,539
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,704.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,826.03
Avg. DMV Fee	196.00
Cash Sale Price	$48,895.03
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	$48,895.03
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$836.67

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,704.00. 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 Mustang Mach-E Premium

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This low mileage certified used 2025 Ford Mustang Mach-E Premium AWD SUV below 9,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $41K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$40,999
Est. Payment:	$785.29 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,584
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$40,999.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,528.48
Avg. DMV Fee	196.00
Cash Sale Price	$45,892.48
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	$45,892.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$785.29

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 F-150 XLT

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This low mileage certified used 2024 Ford F-150 XLT 4x4 pickup below 32,000 miles, automatic transmission, and 21 MPG, 3.5L hybrid engine is for sale right now under $43K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$42,214
Est. Payment:	$808.37 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,093
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$42,214.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,662.13
Avg. DMV Fee	196.00
Cash Sale Price	$47,241.13
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	$47,241.13
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$808.37

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,214.00. 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 F-150 XLT

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This low mileage certified preowned 2024 Ford F-150 XLT 4x4 pickup below 23,000 miles, automatic transmission, and 21 MPG, 3.5L hybrid engine is for sale right now below $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,792
Est. Payment:	$838.34 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,762
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,792.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,835.71
Avg. DMV Fee	196.00
Cash Sale Price	$48,992.71
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	$48,992.71
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$838.34

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,792.00. 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 F-150 XLT

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This low mileage certified preowned 2024 Ford F-150 XLT 4x4 pickup below 40,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now under $43K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$42,295
Est. Payment:	$809.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	39,709
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$42,295.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,671.04
Avg. DMV Fee	196.00
Cash Sale Price	$47,331.04
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	$47,331.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$809.91

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,295.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 $45,000 for Sale in Naperville, IL

Naperville, IL Secondhand Used Vehicles Priced Below $45,000

2022 Lincoln Aviator Reserve

2025 Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT

2025 Lincoln Corsair Reserve

2023 Ford F-150 Lariat

2023 Ford F-150 Platinum

2025 Ford Mustang Mach-E Premium

2024 Ford F-150 XLT

2024 Ford F-150 XLT

2024 Ford F-150 XLT

Used Cars under $45,000 for Sale in Naperville, IL

Naperville, IL Secondhand Used Vehicles Priced Below $45,000

2022 Lincoln Aviator Reserve

Lincoln Aviator Reserve

2022 Lincoln Aviator Reserve Car Loan Estimate

2025 Ford Mustang Mach-E GT

Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT Car Loan Estimate

2025 Ford Mustang Mach-E GT

Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT Car Loan Estimate

2025 Lincoln Corsair Reserve

Lincoln Corsair Reserve

2025 Lincoln Corsair Reserve Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

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