Albany - Schenectady - Troy, NY Area Used Cars Under $20,000

2016 Honda Civic EX

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This low mileage used 2016 Honda Civic EX FWD sedan under 59,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now below $16K at Garvey Hyundai in Queensbury, NY. ...View More Details

Sales Price:	$15,657
Est. Payment:	$316.07 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,258
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$15,657.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,397.00
Avg. DMV Fee	86.00
Cash Sale Price	$17,215.00
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	$17,215.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$316.07

(1) Car Loan calculations are based on the used car dealer's advertised price of $15,657.00. 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 66 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.

2021 Ford Escape SE

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This low mileage used 2021 Ford Escape SE AWD SUV below 42,000 miles, automatic transmission, and 31 MPG, 1.5L gas engine is for sale right now under $18K at Garvey Hyundai in Queensbury, NY. ...View More Details

Sales Price:	$17,166
Est. Payment:	$322.69 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,996
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$17,166.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,531.00
Avg. DMV Fee	86.00
Cash Sale Price	$18,858.00
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	$18,858.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$322.69

(1) Auto Finance calculations are based on the used car dealer's advertised price of $17,166.00. 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.

2020 Volkswagen Golf GTI S

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This average mileage second hand 2020 Volkswagen Golf GTI S FWD hatchback under 71,000 miles, manual transmission, and 31 MPG, 2.0L gas engine is for sale right now under $20K at Garvey Volkswagen in Queensbury, NY. ...View More Details

Sales Price:	$19,775
Est. Payment:	$470.91 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	71,103
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$19,775.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,762.68
Avg. DMV Fee	86.00
Cash Sale Price	$21,698.68
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	$21,698.68
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Loan Payment	$470.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,775.00. 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 54 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.

2020 Hyundai SONATA Limited

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This low mileage preowned 2020 Hyundai SONATA Limited FWD sedan under 46,000 miles, automatic transmission, and 31 MPG, 1.6L gas engine is for sale right now below $20K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$19,950
Est. Payment:	$374.56 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	45,683
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$19,950.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,778.22
Avg. DMV Fee	86.00
Cash Sale Price	$21,889.22
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	$21,889.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$374.56

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,950.00. 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.

2021 GMC Terrain SLE

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This below average mileage second hand 2021 GMC Terrain SLE 4x4 SUV below 60,000 miles, automatic transmission, and 31 MPG, 1.5L gas engine is for sale right now under $20K at Garvey Volkswagen in Queensbury, NY. ...View More Details

Sales Price:	$19,700
Est. Payment:	$429.37 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,076
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$19,700.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,756.02
Avg. DMV Fee	86.00
Cash Sale Price	$21,617.02
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	$21,617.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$429.37

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,700.00. 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 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.

2024 Hyundai ELANTRA SEL

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This low mileage preowned 2024 Hyundai ELANTRA SEL FWD sedan below 58,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now under $19K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$18,500
Est. Payment:	$372.91 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	57,756
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$18,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,649.46
Avg. DMV Fee	86.00
Cash Sale Price	$20,310.46
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	$20,310.46
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Loan Payment	$372.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $18,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 66 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.

2021 Hyundai TUCSON Sport

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This below average mileage preowned 2021 Hyundai TUCSON Sport AWD SUV below 68,000 miles, automatic transmission, and 31 MPG, 2.4L gas engine is for sale right now under $19K at Haddad Hyundai in Pittsfield, MA. ...View More Details

Sales Price:	$18,800
Est. Payment:	$409.91 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	68,425
Location:	Pittsfield, MA

Item	Amount
Used Car Price⁽¹⁾	$18,800.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,676.10
Avg. DMV Fee	86.00
Cash Sale Price	$20,637.10
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	$20,637.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Finance Payment	$409.91

(1) Car Finance calculations are based on the used car dealer's advertised price of $18,800.00. 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 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.

2024 Kia Forte LXS

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This low mileage used 2024 Kia Forte LXS FWD sedan below 1,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now under $20K at Matthews Hyundai of Schenectady in Schenectady, NY. ...View More Details

Sales Price:	$19,999
Est. Payment:	$375.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	1,288
Location:	Schenectady, NY

Item	Amount
Used Car Price⁽¹⁾	$19,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,782.57
Avg. DMV Fee	86.00
Cash Sale Price	$21,942.57
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	$21,942.57
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$375.47

(1) Car Loan calculations are based on the used car dealer's advertised price of $19,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2018 Volkswagen Atlas V6 SEL Premium 4Motion

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This average mileage second hand 2018 Volkswagen Atlas V6 SEL Premium 4Motion AWD SUV below 88,000 miles, automatic transmission, and 31 MPG, 3.6L gas engine is for sale right now under $20K at Garvey Kia in Queensbury, NY. ...View More Details

Sales Price:	$19,876
Est. Payment:	$523.55 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	87,619
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$19,876.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,771.65
Avg. DMV Fee	86.00
Cash Sale Price	$21,808.65
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	$21,808.65
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$523.55

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,876.00. 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 48 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 Hyundai KONA SEL

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This low mileage certified used 2022 Hyundai KONA SEL AWD SUV below 41,000 miles, cvt transmission, and 31 MPG, 2.0L gas engine is for sale right now below $20K at Garvey Hyundai in Queensbury, NY. ...View More Details

Sales Price:	$19,385
Est. Payment:	$364.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,281
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$19,385.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,728.05
Avg. DMV Fee	86.00
Cash Sale Price	$21,274.05
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	$21,274.05
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$364.03

(1) Auto Finance calculations are based on the used car dealer's advertised price of $19,385.00. 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 $20,000 for Sale in the Greater Albany - Schenectady - Troy Area

Metro Albany - Schenectady - Troy Secondhand Used Vehicles Priced Below $20,000

2016 Honda Civic EX

2021 Ford Escape SE

2020 Volkswagen Golf GTI S

2020 Hyundai SONATA Limited

2021 GMC Terrain SLE

2024 Hyundai ELANTRA SEL

2021 Hyundai TUCSON Sport

2024 Kia Forte LXS

2018 Volkswagen Atlas V6 SEL Premium 4Motion

2022 Hyundai KONA SEL

Greater Albany - Schenectady - Troy Area Cities with Used Cars for Sale Below $20K

Metro Albany - Schenectady - Troy Area Counties with Used Cars for Sale Below $20,000

Used Cars under $20,000 for Sale in the Greater Albany - Schenectady - Troy Area

Metro Albany - Schenectady - Troy Secondhand Used Vehicles Priced Below $20,000

2016 Honda Civic EX

Honda Civic EX

2016 Honda Civic EX Car Loan Estimate

2021 Ford Escape SE

Ford Escape SE

2021 Ford Escape SE Car Loan Estimate

2020 Volkswagen Golf GTI S

Volkswagen Golf GTI S

2020 Volkswagen Golf GTI S Car Loan Estimate

2020 Hyundai SONATA Limited

Hyundai SONATA Limited

2020 Hyundai SONATA Limited Car Loan Estimate

2021 GMC Terrain SLE

GMC Terrain SLE

2021 GMC Terrain SLE Car Loan Estimate

2024 Hyundai ELANTRA SEL

Hyundai ELANTRA SEL

2024 Hyundai ELANTRA SEL Car Loan Estimate

2021 Hyundai TUCSON Sport

Hyundai TUCSON Sport

2021 Hyundai TUCSON Sport Car Loan Estimate

2024 Kia Forte LXS

Kia Forte LXS

2024 Kia Forte LXS Car Loan Estimate

2018 Volkswagen Atlas V6 SEL Premium 4Motion

Volkswagen Atlas V6 SEL Premium 4Motion

2018 Volkswagen Atlas V6 SEL Premium 4Motion Car Loan Estimate

2022 Hyundai KONA SEL

Hyundai KONA SEL

2022 Hyundai KONA SEL Car Loan Estimate

Greater Albany - Schenectady - Troy Area Cities with Used Cars for Sale Below $20K

Metro Albany - Schenectady - Troy Area Counties with Used Cars for Sale Below $20,000

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