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

2024 Ford F-150 XLT

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

Sales Price:	$43,555
Est. Payment:	$833.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,762
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,555.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,809.64
Avg. DMV Fee	196.00
Cash Sale Price	$48,729.64
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	$48,729.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$833.84

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,555.00. 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 second hand 2025 Ford Mustang Mach-E GT AWD SUV below 5,000 miles, automatic transmission, and 0.0L electric engine is for sale right now under $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,950
Est. Payment:	$841.34 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,111
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,950.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,853.09
Avg. DMV Fee	196.00
Cash Sale Price	$49,168.09
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	$49,168.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$841.34

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,950.00. 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 XLT

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This low mileage certified preowned 2023 Ford F-150 XLT 4x4 pickup under 32,000 miles, automatic transmission, and 23 MPG, 3.5L hybrid engine is for sale right now under $43K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$42,756
Est. Payment:	$818.66 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,539
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$42,756.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,721.75
Avg. DMV Fee	196.00
Cash Sale Price	$47,842.75
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	$47,842.75
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$818.66

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,756.00. 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.

2022 Lincoln Aviator Reserve

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This low mileage certified second hand 2022 Lincoln Aviator Reserve AWD SUV under 47,000 miles, automatic transmission, and 23 MPG, 3.0L gas engine is for sale right now under $42K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$41,500
Est. Payment:	$794.81 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,426
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$41,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,583.59
Avg. DMV Fee	196.00
Cash Sale Price	$46,448.59
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	$46,448.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$794.81

(1) Auto Finance calculations are based on the used car dealer's advertised price of $41,500.00. 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 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 Lincoln Nautilus Reserve

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This low mileage certified second hand 2023 Lincoln Nautilus Reserve AWD SUV under 37,000 miles, automatic transmission, and 23 MPG, 2.0L gas engine is for sale right now under $41K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$40,250
Est. Payment:	$771.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,478
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$40,250.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,446.09
Avg. DMV Fee	196.00
Cash Sale Price	$45,061.09
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	$45,061.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$771.06

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,250.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Mustang Mach-E GT

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This low mileage certified preowned 2025 Ford Mustang Mach-E GT AWD SUV under 10,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,295
Est. Payment:	$828.90 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,794
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,295.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,781.04
Avg. DMV Fee	196.00
Cash Sale Price	$48,441.04
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	$48,441.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$828.90

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,295.00. 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.

2024 Ford F-150 XLT

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This low mileage certified second hand 2024 Ford F-150 XLT 4x4 pickup below 32,000 miles, automatic transmission, and 23 MPG, 3.5L hybrid engine is for sale right now below $43K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$42,200
Est. Payment:	$808.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,093
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$42,200.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,660.59
Avg. DMV Fee	196.00
Cash Sale Price	$47,225.59
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	$47,225.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$808.10

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,200.00. 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 used 2025 Ford Mustang Mach-E GT AWD SUV under 10,000 miles, automatic transmission, and 0.0L electric engine is for sale right now under $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,295
Est. Payment:	$828.90 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,309
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,295.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,781.04
Avg. DMV Fee	196.00
Cash Sale Price	$48,441.04
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	$48,441.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$828.90

(1) Auto Finance calculations are based on the used car dealer's advertised price of $43,295.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Mustang Mach-E GT

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This low mileage certified second hand 2025 Ford Mustang Mach-E GT AWD SUV below 11,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $44K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$43,650
Est. Payment:	$835.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,431
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$43,650.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,820.09
Avg. DMV Fee	196.00
Cash Sale Price	$48,835.09
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	$48,835.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$835.64

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,650.00. 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 BMW X5 xDrive40i

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This low mileage second hand 2023 BMW X5 xDrive40i AWD SUV under 44,000 miles, automatic transmission, and 23 MPG, 3.0L hybrid engine is for sale right now below $45K at Fair Oaks Lincoln in Naperville, IL. ...View More Details

Sales Price:	$44,895
Est. Payment:	$859.29 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,547
Location:	Naperville, IL

Item	Amount
Used Car Price⁽¹⁾	$44,895.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,957.04
Avg. DMV Fee	196.00
Cash Sale Price	$50,217.04
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	$50,217.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$859.29

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,895.00. 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.

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

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

2024 Ford F-150 XLT

2025 Ford Mustang Mach-E GT

2023 Ford F-150 XLT

2022 Lincoln Aviator Reserve

2023 Lincoln Nautilus Reserve

2025 Ford Mustang Mach-E GT

2024 Ford F-150 XLT

2025 Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT

2023 BMW X5 xDrive40i

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

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

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Ford Mustang Mach-E GT

Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2022 Lincoln Aviator Reserve

Lincoln Aviator Reserve

2022 Lincoln Aviator Reserve Car Loan Estimate

2023 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2023 Lincoln Nautilus Reserve Car Loan Estimate

2025 Ford Mustang Mach-E GT

Ford Mustang Mach-E GT

2025 Ford Mustang Mach-E GT Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT 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

2023 BMW X5 xDrive40i

BMW X5 xDrive40i

2023 BMW X5 xDrive40i Car Loan Estimate

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