Rockford, IL Area Used Cars Under $40,000

2022 BMW X5 xDrive40i

⇩ View Seller Description

This low mileage used 2022 BMW X5 xDrive40i AWD SUV under 41,000 miles, automatic transmission, and 22 MPG, 3.0L hybrid engine is for sale right now below $37K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$36,988
Est. Payment:	$709.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,261
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,087.27
Avg. DMV Fee	196.00
Cash Sale Price	$41,440.27
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	$41,440.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$709.11

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,988.00. 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 Jeep Wrangler Rubicon 4xe

⇩ View Seller Description

This low mileage preowned 2025 Jeep Wrangler Rubicon 4xe 4x4 SUV below 16,000 miles, automatic transmission, and 22 MPG, 2.0L hybrid engine is for sale right now under $36K at Prescott Brothers Ford in Rochelle, IL. ...View More Details

Sales Price:	$35,398
Est. Payment:	$678.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,774
Location:	Rochelle, IL

Item	Amount
Used Car Price⁽¹⁾	$35,398.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,912.37
Avg. DMV Fee	196.00
Cash Sale Price	$39,675.37
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	$39,675.37
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$678.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,398.00. 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 XL

⇩ View Seller Description

This below average mileage preowned 2023 Ford F-150 XL 4x4 pickup under 65,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $37K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$36,451
Est. Payment:	$811.27 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	65,487
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$36,451.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,028.20
Avg. DMV Fee	196.00
Cash Sale Price	$40,844.20
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	$40,844.20
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Loan Payment	$811.27

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,451.00. 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 60 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

⇩ View Seller Description

This low mileage used 2024 Ford F-150 XLT 4x4 pickup under 38,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $36K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$35,462
Est. Payment:	$680.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,618
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$35,462.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,919.41
Avg. DMV Fee	196.00
Cash Sale Price	$39,746.41
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	$39,746.41
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$680.12

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,462.00. 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

⇩ View Seller Description

This low mileage preowned 2024 Ford Explorer XLT AWD SUV under 20,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $38K at Prescott Brothers Ford in Rochelle, IL. ...View More Details

Sales Price:	$37,407
Est. Payment:	$717.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,231
Location:	Rochelle, IL

Item	Amount
Used Car Price⁽¹⁾	$37,407.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,133.36
Avg. DMV Fee	196.00
Cash Sale Price	$41,905.36
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	$41,905.36
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$717.06

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,407.00. 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 Jeep Grand Cherokee Laredo

⇩ View Seller Description

This low mileage second hand 2024 Jeep Grand Cherokee Laredo 4x4 SUV below 14,000 miles, automatic transmission, and 22 MPG, 3.6L gas engine is for sale right now below $36K at Prescott Brothers Ford in Rochelle, IL. ...View More Details

Sales Price:	$35,875
Est. Payment:	$687.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,816
Location:	Rochelle, IL

Item	Amount
Used Car Price⁽¹⁾	$35,875.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,964.84
Avg. DMV Fee	196.00
Cash Sale Price	$40,204.84
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	$40,204.84
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$687.97

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,875.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 XL

⇩ View Seller Description

This low mileage used 2023 Ford F-150 XL 4x4 pickup under 14,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now under $40K at Freeport Ford in Freeport, IL. ...View More Details

Sales Price:	$39,987
Est. Payment:	$766.07 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,428
Location:	Freeport, IL

Item	Amount
Used Car Price⁽¹⁾	$39,987.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.16
Avg. DMV Fee	196.00
Cash Sale Price	$44,769.16
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	$44,769.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$766.07

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,987.00. 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

⇩ View Seller Description

This low mileage second hand 2023 Ford F-150 Platinum 4x4 pickup under 29,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $37K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$36,433
Est. Payment:	$698.56 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,633
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$36,433.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,026.22
Avg. DMV Fee	196.00
Cash Sale Price	$40,824.22
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	$40,824.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$698.56

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,433.00. 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

⇩ View Seller Description

This low mileage preowned 2023 Ford F-150 XL 4x4 pickup under 41,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $40K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$39,566
Est. Payment:	$758.07 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,067
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$39,566.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,370.85
Avg. DMV Fee	196.00
Cash Sale Price	$44,301.85
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	$44,301.85
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$758.07

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,566.00. 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 Volkswagen Atlas Peak Edition 4Motion

⇩ View Seller Description

This low mileage used 2025 Volkswagen Atlas Peak Edition 4Motion AWD SUV below 9,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $40K at Dixon Ford in Dixon, IL. ...View More Details

Sales Price:	$39,987
Est. Payment:	$766.07 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,078
Location:	Dixon, IL

Item	Amount
Used Car Price⁽¹⁾	$39,987.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,417.16
Avg. DMV Fee	196.00
Cash Sale Price	$44,769.16
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	$44,769.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$766.07

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,987.00. 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 $40,000 for Sale in the Greater Rockford Area

Metro Rockford Secondhand Used Vehicles Priced Below $40,000

2022 BMW X5 xDrive40i

2025 Jeep Wrangler Rubicon 4xe

2023 Ford F-150 XL

2024 Ford F-150 XLT

2024 Ford Explorer XLT

2024 Jeep Grand Cherokee Laredo

2023 Ford F-150 XL

2023 Ford F-150 Platinum

2023 Ford F-150 XL

2025 Volkswagen Atlas Peak Edition 4Motion

Greater Rockford Area Cities with Used Cars for Sale Below $40K

Metro Rockford Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Rockford Area

Metro Rockford Secondhand Used Vehicles Priced Below $40,000

2022 BMW X5 xDrive40i

BMW X5 xDrive40i

2022 BMW X5 xDrive40i Car Loan Estimate

2025 Jeep Wrangler Rubicon 4xe

Jeep Wrangler Rubicon 4xe

2025 Jeep Wrangler Rubicon 4xe Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Car Loan Estimate

2024 Jeep Grand Cherokee Laredo

Jeep Grand Cherokee Laredo

2024 Jeep Grand Cherokee Laredo Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Volkswagen Atlas Peak Edition 4Motion

Volkswagen Atlas Peak Edition 4Motion

2025 Volkswagen Atlas Peak Edition 4Motion Car Loan Estimate

Greater Rockford Area Cities with Used Cars for Sale Below $40K

Metro Rockford Area Counties with Used Cars for Sale Below $40,000

Customize Payments

Find Financing

Customize Payments