Schenectady, NY Used Cars Under $45,000 |with Payments|

2026 Hyundai SANTA CRUZ XRT

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SANTA CRUZ XRT AWD pickup under 0,000 miles, a transmission, and 35 MPG, 2.5L gas engine is for sale right now under $41K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$40,889
Est. Payment:	$764.67 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$40,889.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,637.60
Avg. DMV Fee	86.00
Cash Sale Price	$44,687.60
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	$44,687.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$764.67

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,889.00. 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.

2026 Hyundai IONIQ 5 Limited

⇩ View Seller Description

This low mileage preowned 2026 Hyundai IONIQ 5 Limited AWD wagon under 0,000 miles, a transmission, and 0.0L electric engine is for sale right now below $45K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$44,375
Est. Payment:	$829.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$44,375.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,947.16
Avg. DMV Fee	86.00
Cash Sale Price	$48,483.16
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	$48,483.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$829.62

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,375.00. 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 Hyundai SANTA FE Hybrid Calligraphy

⇩ View Seller Description

This low mileage preowned 2025 Hyundai SANTA FE Hybrid Calligraphy FWD SUV below 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $45K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$44,999
Est. Payment:	$841.25 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$44,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	4,002.57
Avg. DMV Fee	86.00
Cash Sale Price	$49,162.57
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	$49,162.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$841.25

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,999.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage used 2026 Hyundai SANTA FE Hybrid SEL AWD SUV below 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $41K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$40,255
Est. Payment:	$752.86 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$40,255.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,581.30
Avg. DMV Fee	86.00
Cash Sale Price	$43,997.30
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	$43,997.30
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$752.86

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,255.00. 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.

2026 Hyundai PALISADE SE

⇩ View Seller Description

This low mileage second hand 2026 Hyundai PALISADE SE AWD SUV below 0,000 miles, a transmission, and 35 MPG, 3.5L gas engine is for sale right now under $43K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$42,420
Est. Payment:	$793.20 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$42,420.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,773.56
Avg. DMV Fee	86.00
Cash Sale Price	$46,354.56
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	$46,354.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$793.20

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,420.00. 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.

2026 Hyundai PALISADE SE

⇩ View Seller Description

This low mileage preowned 2026 Hyundai PALISADE SE AWD SUV below 0,000 miles, a transmission, and 35 MPG, 3.5L gas engine is for sale right now below $42K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$41,780
Est. Payment:	$781.27 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$41,780.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,716.72
Avg. DMV Fee	86.00
Cash Sale Price	$45,657.72
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	$45,657.72
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$781.27

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,780.00. 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.

2025 Hyundai SANTA FE Hybrid Limited

⇩ View Seller Description

This low mileage used 2025 Hyundai SANTA FE Hybrid Limited FWD SUV below 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $43K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$42,180
Est. Payment:	$788.72 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$42,180.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,752.24
Avg. DMV Fee	86.00
Cash Sale Price	$46,093.24
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	$46,093.24
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$788.72

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,180.00. 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 Hyundai SANTA FE Calligraphy

⇩ View Seller Description

This low mileage preowned 2024 Hyundai SANTA FE Calligraphy AWD SUV under 0,000 miles, a transmission, and 35 MPG, 2.5L gas engine is for sale right now below $45K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$44,705
Est. Payment:	$835.77 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$44,705.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,976.46
Avg. DMV Fee	86.00
Cash Sale Price	$48,842.46
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	$48,842.46
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$835.77

(1) Auto Finance calculations are based on the used car dealer's advertised price of $44,705.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SANTA FE Hybrid SEL AWD SUV below 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now under $41K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$40,050
Est. Payment:	$749.04 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$40,050.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,563.10
Avg. DMV Fee	86.00
Cash Sale Price	$43,774.10
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	$43,774.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$749.04

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,050.00. 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.

2026 Hyundai SANTA FE Hybrid SEL

⇩ View Seller Description

This low mileage second hand 2026 Hyundai SANTA FE Hybrid SEL AWD SUV under 0,000 miles, a transmission, and 35 MPG, 1.6L hybrid engine is for sale right now below $41K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$40,015
Est. Payment:	$748.39 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	0
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$40,015.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,559.99
Avg. DMV Fee	86.00
Cash Sale Price	$43,735.99
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	$43,735.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$748.39

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,015.00. 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 $45,000 for Sale in Schenectady, NY

Schenectady, NY Secondhand Used Vehicles Priced Below $45,000

2026 Hyundai SANTA CRUZ XRT

2026 Hyundai IONIQ 5 Limited

2025 Hyundai SANTA FE Hybrid Calligraphy

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai PALISADE SE

2026 Hyundai PALISADE SE

2025 Hyundai SANTA FE Hybrid Limited

2024 Hyundai SANTA FE Calligraphy

2026 Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL

Used Cars under $45,000 for Sale in Schenectady, NY

Schenectady, NY Secondhand Used Vehicles Priced Below $45,000

2026 Hyundai SANTA CRUZ XRT

Hyundai SANTA CRUZ XRT

2026 Hyundai SANTA CRUZ XRT Car Loan Estimate

2026 Hyundai IONIQ 5 Limited

Hyundai IONIQ 5 Limited

2026 Hyundai IONIQ 5 Limited Car Loan Estimate

2025 Hyundai SANTA FE Hybrid Calligraphy

Hyundai SANTA FE Hybrid Calligraphy

2025 Hyundai SANTA FE Hybrid Calligraphy Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai PALISADE SE

Hyundai PALISADE SE

2026 Hyundai PALISADE SE Car Loan Estimate

2026 Hyundai PALISADE SE

Hyundai PALISADE SE

2026 Hyundai PALISADE SE 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 SANTA FE Calligraphy

Hyundai SANTA FE Calligraphy

2024 Hyundai SANTA FE Calligraphy Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

Customize Payments

Find Financing

Customize Payments