Rochester, MN Used Cars Under $40,000 |with Payments|

2023 Ford F-150 XLT

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This low mileage preowned 2023 Ford F-150 XLT 4x4 pickup below 39,000 miles, automatic transmission, and 25 MPG, 2.7L gas engine is for sale right now under $39K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$38,997
Est. Payment:	$732.55 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,725
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$38,997.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,274.23
Avg. DMV Fee	464.00
Cash Sale Price	$42,810.23
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	$42,810.23
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$732.55

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,997.00. 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 Explorer XLT

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This low mileage used 2023 Ford Explorer XLT AWD SUV under 25,000 miles, automatic transmission, and 25 MPG, 2.3L gas engine is for sale right now under $36K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$35,990
Est. Payment:	$676.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,579
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,022.25
Avg. DMV Fee	464.00
Cash Sale Price	$39,551.25
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	$39,551.25
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$676.78

(1) Car Finance 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 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 BMW X1 xDrive28i

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This low mileage second hand 2025 BMW X1 xDrive28i AWD SUV under 8,000 miles, transmission, and 25 MPG, 2.0L gas engine is for sale right now below $36K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$35,490
Est. Payment:	$667.51 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,177
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$35,490.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	2,980.35
Avg. DMV Fee	464.00
Cash Sale Price	$39,009.35
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	$39,009.35
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$667.51

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,490.00. 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 Explorer XLT

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This low mileage second hand 2023 Ford Explorer XLT AWD SUV under 32,000 miles, automatic transmission, and 25 MPG, 2.3L gas engine is for sale right now below $35K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$35,000
Est. Payment:	$658.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,875
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$35,000.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	2,939.29
Avg. DMV Fee	464.00
Cash Sale Price	$38,478.29
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	$38,478.29
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$658.42

(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.

2024 Ford Explorer XLT

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This low mileage second hand 2024 Ford Explorer XLT AWD SUV below 23,000 miles, automatic transmission, and 25 MPG, 2.3L gas engine is for sale right now under $38K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$37,797
Est. Payment:	$710.29 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,600
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$37,797.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,173.67
Avg. DMV Fee	464.00
Cash Sale Price	$41,509.67
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	$41,509.67
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$710.29

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,797.00. 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 Ranger XLT

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This low mileage second hand 2024 Ford Ranger XLT 4x4 pickup below 14,000 miles, automatic transmission, and 25 MPG, 2.3L gas engine is for sale right now under $38K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$37,190
Est. Payment:	$699.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,177
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$37,190.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,122.81
Avg. DMV Fee	464.00
Cash Sale Price	$40,851.81
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	$40,851.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$699.04

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,190.00. 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.

2022 Ford Bronco Outer Banks Advanced

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This below average mileage used 2022 Ford Bronco Outer Banks Advanced 4x4 SUV below 62,000 miles, automatic transmission, and 25 MPG, 2.7L gas engine is for sale right now below $40K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$40,000
Est. Payment:	$871.91 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	61,901
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$40,000.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,358.29
Avg. DMV Fee	464.00
Cash Sale Price	$43,897.29
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	$43,897.29
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$871.91

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,000.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 60 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.

2022 Ford F-150 Platinum

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This low mileage used 2022 Ford F-150 Platinum 4x4 pickup under 34,000 miles, automatic transmission, and 25 MPG, 3.5L hybrid engine is for sale right now below $39K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$38,690
Est. Payment:	$726.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,414
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$38,690.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,248.51
Avg. DMV Fee	464.00
Cash Sale Price	$42,477.51
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	$42,477.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$726.85

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,690.00. 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 Edge Titanium

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This low mileage second hand 2024 Ford Edge Titanium AWD SUV below 16,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now under $37K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$36,900
Est. Payment:	$693.66 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,417
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$36,900.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,098.51
Avg. DMV Fee	464.00
Cash Sale Price	$40,537.51
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	$40,537.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$693.66

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,900.00. 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.

2024 Ford Edge Titanium

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This low mileage preowned 2024 Ford Edge Titanium AWD SUV under 13,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now below $38K at Rochester Ford in Rochester, MN. ...View More Details

Sales Price:	$37,522
Est. Payment:	$705.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,012
Location:	Rochester, MN

Item	Amount
Used Car Price⁽¹⁾	$37,522.00
Avg. Dealer Doc Fee	75.00
MN Sales Tax (8.38%)	3,150.63
Avg. DMV Fee	464.00
Cash Sale Price	$41,211.63
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	$41,211.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$705.19

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,522.00. 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 $40,000 for Sale in Rochester, MN

Rochester, MN Secondhand Used Vehicles Priced Below $40,000

2023 Ford F-150 XLT

2023 Ford Explorer XLT

2025 BMW X1 xDrive28i

2023 Ford Explorer XLT

2024 Ford Explorer XLT

2024 Ford Ranger XLT

2022 Ford Bronco Outer Banks Advanced

2022 Ford F-150 Platinum

2024 Ford Edge Titanium

2024 Ford Edge Titanium

Used Cars under $40,000 for Sale in Rochester, MN

Rochester, MN Secondhand Used Vehicles Priced Below $40,000

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2025 BMW X1 xDrive28i

BMW X1 xDrive28i

2025 BMW X1 xDrive28i Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT Car Loan Estimate

2024 Ford Ranger XLT

Ford Ranger XLT

2024 Ford Ranger XLT Car Loan Estimate

2022 Ford Bronco Outer Banks Advanced

Ford Bronco Outer Banks Advanced

2022 Ford Bronco Outer Banks Advanced Car Loan Estimate

2022 Ford F-150 Platinum

Ford F-150 Platinum

2022 Ford F-150 Platinum Car Loan Estimate

2024 Ford Edge Titanium

Ford Edge Titanium

2024 Ford Edge Titanium Car Loan Estimate

2024 Ford Edge Titanium

Ford Edge Titanium

2024 Ford Edge Titanium Car Loan Estimate

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