Illinois Used Cars Under $40,000 |with Payments|

2022 BMW X4 xDrive30i

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This low mileage second hand 2022 BMW X4 xDrive30i AWD SUV below 57,000 miles, automatic transmission, and 18 MPG, 2.0L gas engine is for sale right now under $36K at Elgin Hyundai in Bartlett, IL. ...View More Details

Sales Price:	$35,521
Est. Payment:	$730.96 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	56,809
Location:	Bartlett, IL

Item	Amount
Used Car Price⁽¹⁾	$35,521.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,925.90
Avg. DMV Fee	196.00
Cash Sale Price	$39,811.90
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	$39,811.90
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$730.96

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,521.00. 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 66 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 SANTA FE SEL

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This low mileage certified second hand 2026 Hyundai SANTA FE SEL AWD SUV below 3,000 miles, automatic transmission, and 18 MPG, 2.5L gas engine is for sale right now under $38K at Patrick Hyundai in Schaumburg, IL. ...View More Details

Sales Price:	$37,800
Est. Payment:	$724.53 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	2,926
Location:	Schaumburg, IL

Item	Amount
Used Car Price⁽¹⁾	$37,800.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,176.59
Avg. DMV Fee	196.00
Cash Sale Price	$42,341.59
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	$42,341.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$724.53

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,800.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

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This low mileage certified second hand 2026 Hyundai SANTA FE Hybrid SEL AWD SUV below 3,000 miles, automatic transmission, and 18 MPG, 1.6L hybrid engine is for sale right now under $38K at Rosen Hyundai in Algonquin, IL. ...View More Details

Sales Price:	$37,899
Est. Payment:	$726.41 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,498
Location:	Algonquin, IL

Item	Amount
Used Car Price⁽¹⁾	$37,899.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,187.48
Avg. DMV Fee	196.00
Cash Sale Price	$42,451.48
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	$42,451.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$726.41

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,899.00. 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.

2025 Volkswagen Atlas SE

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This low mileage preowned 2025 Volkswagen Atlas SE FWD SUV under 13,000 miles, automatic transmission, and 18 MPG, 2.0L gas engine is for sale right now below $35K at Genesis of Urbana in Urbana, IL. ...View More Details

Sales Price:	$35,000
Est. Payment:	$671.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,198
Location:	Urbana, IL

Item	Amount
Used Car Price⁽¹⁾	$35,000.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,868.59
Avg. DMV Fee	196.00
Cash Sale Price	$39,233.59
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	$39,233.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$671.35

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,000.00. 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 Hyundai PALISADE Calligraphy

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This low mileage used 2023 Hyundai PALISADE Calligraphy AWD SUV under 36,000 miles, automatic transmission, and 18 MPG, 3.8L gas engine is for sale right now under $39K at Napleton Palatine Hyundai in Palatine, IL. ...View More Details

Sales Price:	$38,284
Est. Payment:	$733.72 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,400
Location:	Palatine, IL

Item	Amount
Used Car Price⁽¹⁾	$38,284.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,229.83
Avg. DMV Fee	196.00
Cash Sale Price	$42,878.83
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	$42,878.83
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.72

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,284.00. 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 Ram 1500 Laramie

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This average mileage used 2022 Ram 1500 Laramie 4x4 pickup under 74,000 miles, automatic transmission, and 18 MPG, 5.7L gas engine is for sale right now under $37K at Watermark Hyundai of Marion in Marion, IL. ...View More Details

Sales Price:	$36,983
Est. Payment:	$899.23 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	74,028
Location:	Marion, IL

Item	Amount
Used Car Price⁽¹⁾	$36,983.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,086.72
Avg. DMV Fee	196.00
Cash Sale Price	$41,434.72
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	$41,434.72
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Finance Payment	$899.23

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,983.00. 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 54 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 Hyundai SANTA FE Hybrid Limited

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This low mileage preowned 2025 Hyundai SANTA FE Hybrid Limited AWD SUV below 8,000 miles, automatic transmission, and 18 MPG, 1.6L hybrid engine is for sale right now below $36K at Napleton's Hyundai in Calumet City, IL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$690.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,615
Location:	Calumet City, IL

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,977.49
Avg. DMV Fee	196.00
Cash Sale Price	$40,332.49
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	$40,332.49
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$690.15

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 Hyundai IONIQ 5 Limited

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This low mileage certified second hand 2024 Hyundai IONIQ 5 Limited AWD hatchback under 19,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $37K at Elgin Hyundai in Bartlett, IL. ...View More Details

Sales Price:	$36,971
Est. Payment:	$708.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,312
Location:	Bartlett, IL

Item	Amount
Used Car Price⁽¹⁾	$36,971.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,085.40
Avg. DMV Fee	196.00
Cash Sale Price	$41,421.40
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	$41,421.40
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$708.78

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,971.00. 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.

2020 BMW X7 xDrive40i

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This low mileage preowned 2020 BMW X7 xDrive40i AWD SUV under 54,000 miles, automatic transmission, and 18 MPG, 3.0L gas engine is for sale right now below $38K at Napleton's Valley Hyundai in Aurora, IL. ...View More Details

Sales Price:	$37,500
Est. Payment:	$771.30 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,626
Location:	Aurora, IL

Item	Amount
Used Car Price⁽¹⁾	$37,500.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	4,143.59
Avg. DMV Fee	196.00
Cash Sale Price	$42,008.59
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	$42,008.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$771.30

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,500.00. 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 66 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 Chevrolet Silverado 1500 Limited LT

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This low mileage used 2022 Chevrolet Silverado 1500 Limited LT 4x4 pickup under 50,000 miles, automatic transmission, and 18 MPG, 5.3L gas engine is for sale right now below $36K at Napleton Palatine Hyundai in Palatine, IL. ...View More Details

Sales Price:	$35,189
Est. Payment:	$674.94 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	49,815
Location:	Palatine, IL

Item	Amount
Used Car Price⁽¹⁾	$35,189.00
Avg. Dealer Doc Fee	169.00
IL Sales Tax (11%)	3,889.38
Avg. DMV Fee	196.00
Cash Sale Price	$39,443.38
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	$39,443.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$674.94

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,189.00. 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.

Used Cars under $40,000 for Sale in Illinois

Illinois Secondhand Used Vehicles Priced Below $40,000

2022 BMW X4 xDrive30i

2026 Hyundai SANTA FE SEL

2026 Hyundai SANTA FE Hybrid SEL

2025 Volkswagen Atlas SE

2023 Hyundai PALISADE Calligraphy

2022 Ram 1500 Laramie

2025 Hyundai SANTA FE Hybrid Limited

2024 Hyundai IONIQ 5 Limited

2020 BMW X7 xDrive40i

2022 Chevrolet Silverado 1500 Limited LT

Illinois Areas with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in Illinois

Illinois Secondhand Used Vehicles Priced Below $40,000

2022 BMW X4 xDrive30i

BMW X4 xDrive30i

2022 BMW X4 xDrive30i Car Loan Estimate

2026 Hyundai SANTA FE SEL

Hyundai SANTA FE SEL

2026 Hyundai SANTA FE SEL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2025 Volkswagen Atlas SE

Volkswagen Atlas SE

2025 Volkswagen Atlas SE Car Loan Estimate

2023 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2023 Hyundai PALISADE Calligraphy Car Loan Estimate

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Car Loan Estimate

2025 Hyundai SANTA FE Hybrid Limited

Hyundai SANTA FE Hybrid Limited

2025 Hyundai SANTA FE Hybrid Limited Car Loan Estimate

2024 Hyundai IONIQ 5 Limited

Hyundai IONIQ 5 Limited

2024 Hyundai IONIQ 5 Limited Car Loan Estimate

2020 BMW X7 xDrive40i

BMW X7 xDrive40i

2020 BMW X7 xDrive40i Car Loan Estimate

2022 Chevrolet Silverado 1500 Limited LT

Chevrolet Silverado 1500 Limited LT

2022 Chevrolet Silverado 1500 Limited LT Car Loan Estimate

Illinois Areas with Used Cars for Sale Below $40,000

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