Waterloo, IL Used Cars Under $40,000 |with Payments|

2023 Ford F-150 XL

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This below average mileage preowned 2023 Ford F-150 XL 4x4 pickup under 60,000 miles, automatic transmission, and 28 MPG, 2.7L gas engine is for sale right now below $36K at Sunset Ford of Waterloo in Waterloo, IL. ...View More Details

Sales Price:	$35,895
Est. Payment:	$1,003.57 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	60,270
Location:	Waterloo, IL
Estimated Cash Down:	$1,000

Item	Amount
Used Car Price⁽¹⁾	$35,895.00
Avg. Dealer Doc Fee	199.00
MO Sales Tax (10.1%)	3,645.49
Avg. DMV Fee	45.00
Cash Sale Price	$39,784.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$38,802.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Car Finance Payment	$1,003.57

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,895.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Finance Interest rate of 18.86% APR and 60 month car finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2021 Ford Bronco Badlands Advanced

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This low mileage second hand 2021 Ford Bronco Badlands Advanced 4x4 SUV under 38,000 miles, automatic transmission, and 28 MPG, 2.7L gas engine is for sale right now below $40K at Sunset Ford of Waterloo in Waterloo, IL. ...View More Details

Sales Price:	$39,700
Est. Payment:	$999.79 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	38,345
Location:	Waterloo, IL
Estimated Cash Down:	$1,100

Item	Amount
Used Car Price⁽¹⁾	$39,700.00
Avg. Dealer Doc Fee	199.00
MO Sales Tax (10.1%)	4,029.80
Avg. DMV Fee	45.00
Cash Sale Price	$43,973.80
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,100.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,100.00
Total Loan Amount	$42,915.70
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$999.79

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,700.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 Ford F-150 XLT

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This below average mileage second hand 2022 Ford F-150 XLT 4x4 pickup below 69,000 miles, automatic transmission, and 28 MPG, 2.7L gas engine is for sale right now under $36K at Sunset Ford of Waterloo in Waterloo, IL. ...View More Details

Sales Price:	$35,900
Est. Payment:	$1,003.71 / 60 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	69,224
Location:	Waterloo, IL
Estimated Cash Down:	$1,000

Item	Amount
Used Car Price⁽¹⁾	$35,900.00
Avg. Dealer Doc Fee	199.00
MO Sales Tax (10.1%)	3,646.00
Avg. DMV Fee	45.00
Cash Sale Price	$39,790.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$38,807.90
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	60
Auto Finance Payment	$1,003.71

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,900.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 60 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Ford Mustang EcoBoost Premium

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This low mileage used 2025 Ford Mustang EcoBoost Premium RWD convertible below 34,000 miles, automatic transmission, and 28 MPG, 2.3L gas engine is for sale right now below $35K at Sunset Ford of Waterloo in Waterloo, IL. ...View More Details

Sales Price:	$35,000
Est. Payment:	$881.43 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	34,014
Location:	Waterloo, IL
Estimated Cash Down:	$1,000

Item	Amount
Used Car Price⁽¹⁾	$35,000.00
Avg. Dealer Doc Fee	199.00
MO Sales Tax (10.1%)	3,555.10
Avg. DMV Fee	45.00
Cash Sale Price	$38,799.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	1,000.00
Factory Rebate Incentive	0.00
Total Down Payment	$1,000.00
Total Loan Amount	$37,835.00
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$881.43

(1) Car 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) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

Used Cars under $40,000 for Sale in Waterloo, IL

Waterloo, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford F-150 XL

2021 Ford Bronco Badlands Advanced

2022 Ford F-150 XLT

2025 Ford Mustang EcoBoost Premium

Used Cars under $40,000 for Sale in Waterloo, IL

Waterloo, IL Secondhand Used Vehicles Priced Below $40,000

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Poor Credit Car Finance Estimate

2021 Ford Bronco Badlands Advanced

Ford Bronco Badlands Advanced

2021 Ford Bronco Badlands Advanced Poor Credit Car Finance Estimate

2022 Ford F-150 XLT

Ford F-150 XLT

2022 Ford F-150 XLT Poor Credit Auto Finance Estimate

2025 Ford Mustang EcoBoost Premium

Ford Mustang EcoBoost Premium

2025 Ford Mustang EcoBoost Premium Poor Credit Car Loan Estimate

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