Kentucky Used Cars Under $400 a Month. Finance Payments Below $400

2020 Kia Optima LX

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This high mileage preowned 2020 Kia Optima LX FWD sedan under 116,000 miles, automatic transmission, and 37 MPG, 2.4L gas engine is for sale right now below $11K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$10,995
Est. Payment:	$375.96 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	116,196
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$10,995.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	686.70
Avg. DMV Fee	21.00
Cash Sale Price	$12,152.70
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	$12,152.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Loan Payment	$375.96

(1) Auto Loan calculations are based on the used car dealer's advertised price of $10,995.00. 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 36 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 SONATA SEL

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This low mileage preowned 2023 Hyundai SONATA SEL FWD sedan below 39,000 miles, automatic transmission, and 37 MPG, 2.5L gas engine is for sale right now below $21K at Kerry Hyundai in Alexandria, KY. ...View More Details

Sales Price:	$20,908
Est. Payment:	$387.75 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,526
Location:	Alexandria, KY

Item	Amount
Used Car Price⁽¹⁾	$20,908.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,281.48
Avg. DMV Fee	21.00
Cash Sale Price	$22,660.48
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	$22,660.48
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$387.75

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,908.00. 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 Chevrolet Trax LT

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This low mileage certified used 2025 Chevrolet Trax LT FWD SUV under 35,000 miles, automatic transmission, and 37 MPG, 1.2L gas engine is for sale right now under $22K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$21,486
Est. Payment:	$398.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,450
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$21,486.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,316.16
Avg. DMV Fee	21.00
Cash Sale Price	$23,273.16
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	$23,273.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$398.24

(1) Car Loan calculations are based on the used car dealer's advertised price of $21,486.00. 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.

2023 Kia Forte LXS

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This low mileage second hand 2023 Kia Forte LXS FWD sedan under 25,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now below $20K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$19,995
Est. Payment:	$371.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,652
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$19,995.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,226.70
Avg. DMV Fee	21.00
Cash Sale Price	$21,692.70
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	$21,692.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$371.19

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,995.00. 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 Kia Soul LX

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This low mileage preowned 2025 Kia Soul LX FWD hatchback below 8,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now under $21K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$20,900
Est. Payment:	$387.61 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,559
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$20,900.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,281.00
Avg. DMV Fee	21.00
Cash Sale Price	$22,652.00
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	$22,652.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$387.61

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,900.00. 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 Kia Soul LX

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This low mileage second hand 2023 Kia Soul LX FWD hatchback under 54,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now below $18K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$17,900
Est. Payment:	$357.51 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,620
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$17,900.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,101.00
Avg. DMV Fee	21.00
Cash Sale Price	$19,472.00
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	$19,472.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$357.51

(1) Auto Finance calculations are based on the used car dealer's advertised price of $17,900.00. 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 Nissan Sentra SR

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This low mileage used 2022 Nissan Sentra SR FWD sedan below 54,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now under $20K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$19,488
Est. Payment:	$388.42 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	54,432
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$19,488.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,196.28
Avg. DMV Fee	21.00
Cash Sale Price	$21,155.28
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	$21,155.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$388.42

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,488.00. 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 66 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.

2018 Chevrolet Colorado Work Truck

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This high mileage second hand 2018 Chevrolet Colorado Work Truck RWD pickup below 108,000 miles, transmission, and 37 MPG, 2.5L gas engine is for sale right now below $11K at Don Franklin Somerset Hyundai in Somerset, KY. ...View More Details

Sales Price:	$10,900
Est. Payment:	$372.85 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	108,202
Location:	Somerset, KY

Item	Amount
Used Car Price⁽¹⁾	$10,900.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	681.00
Avg. DMV Fee	21.00
Cash Sale Price	$12,052.00
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	$12,052.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Loan Payment	$372.85

(1) Auto Loan calculations are based on the used car dealer's advertised price of $10,900.00. 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 36 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 Hyundai ELANTRA SEL

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This low mileage used 2024 Hyundai ELANTRA SEL FWD sedan under 23,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now below $22K at Kerry Hyundai in Alexandria, KY. ...View More Details

Sales Price:	$21,571
Est. Payment:	$399.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,512
Location:	Alexandria, KY

Item	Amount
Used Car Price⁽¹⁾	$21,571.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,321.26
Avg. DMV Fee	21.00
Cash Sale Price	$23,363.26
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	$23,363.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$399.78

(1) Auto Loan calculations are based on the used car dealer's advertised price of $21,571.00. 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 Hyundai ELANTRA SEL

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This low mileage certified second hand 2024 Hyundai ELANTRA SEL FWD sedan below 36,000 miles, cvt transmission, and 37 MPG, 2.0L gas engine is for sale right now below $21K at Gates Hyundai in Richmond, KY. ...View More Details

Sales Price:	$20,988
Est. Payment:	$389.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,745
Location:	Richmond, KY

Item	Amount
Used Car Price⁽¹⁾	$20,988.00
Avg. Dealer Doc Fee	450.00
KY Sales Tax (6%)	1,286.28
Avg. DMV Fee	21.00
Cash Sale Price	$22,745.28
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	$22,745.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$389.21

(1) Auto Loan calculations are based on the used car dealer's advertised price of $20,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

Used Cars under $400 per month for Sale in Kentucky

Kentucky Secondhand Used Vehicles with Payments Below $400 / Month

2020 Kia Optima LX

2023 Hyundai SONATA SEL

2025 Chevrolet Trax LT

2023 Kia Forte LXS

2025 Kia Soul LX

2023 Kia Soul LX

2022 Nissan Sentra SR

2018 Chevrolet Colorado Work Truck

2024 Hyundai ELANTRA SEL

2024 Hyundai ELANTRA SEL

Kentucky Areas with Used Cars for Sale Below $400 / Month

Used Cars under $400 per month for Sale in Kentucky

Kentucky Secondhand Used Vehicles with Payments Below $400 / Month

2020 Kia Optima LX

Kia Optima LX

2020 Kia Optima LX Car Loan Estimate

2023 Hyundai SONATA SEL

Hyundai SONATA SEL

2023 Hyundai SONATA SEL Car Loan Estimate

2025 Chevrolet Trax LT

Chevrolet Trax LT

2025 Chevrolet Trax LT Car Loan Estimate

2023 Kia Forte LXS

Kia Forte LXS

2023 Kia Forte LXS Car Loan Estimate

2025 Kia Soul LX

Kia Soul LX

2025 Kia Soul LX Car Loan Estimate

2023 Kia Soul LX

Kia Soul LX

2023 Kia Soul LX Car Loan Estimate

2022 Nissan Sentra SR

Nissan Sentra SR

2022 Nissan Sentra SR Car Loan Estimate

2018 Chevrolet Colorado Work Truck

Chevrolet Colorado Work Truck

2018 Chevrolet Colorado Work Truck Car Loan Estimate

2024 Hyundai ELANTRA SEL

Hyundai ELANTRA SEL

2024 Hyundai ELANTRA SEL Car Loan Estimate

2024 Hyundai ELANTRA SEL

Hyundai ELANTRA SEL

2024 Hyundai ELANTRA SEL Car Loan Estimate

Kentucky Areas with Used Cars for Sale Below $400 / Month

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