Albany - Schenectady - Troy, NY Area Used Cars Under $40,000

2023 Honda Pilot Elite

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This low mileage preowned 2023 Honda Pilot Elite AWD SUV under 36,000 miles, automatic transmission, and 19 MPG, 3.5L gas engine is for sale right now under $40K at Garvey Volkswagen in Queensbury, NY. ...View More Details

Sales Price:	$39,669
Est. Payment:	$741.94 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,591
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$39,669.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,529.27
Avg. DMV Fee	86.00
Cash Sale Price	$43,359.27
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	$43,359.27
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$741.94

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,669.00. 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 Toyota Highlander XLE

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This low mileage second hand 2024 Toyota Highlander XLE AWD SUV under 36,000 miles, automatic transmission, and 19 MPG, 2.4L gas engine is for sale right now below $40K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$39,500
Est. Payment:	$738.79 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,256
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$39,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,514.26
Avg. DMV Fee	86.00
Cash Sale Price	$43,175.26
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	$43,175.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$738.79

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

2025 Hyundai PALISADE XRT

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This low mileage second hand 2025 Hyundai PALISADE XRT AWD SUV below 19,000 miles, automatic transmission, and 19 MPG, 3.8L gas engine is for sale right now below $40K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$39,500
Est. Payment:	$738.79 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,722
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$39,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,514.26
Avg. DMV Fee	86.00
Cash Sale Price	$43,175.26
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	$43,175.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$738.79

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,500.00. 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 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.

2025 Subaru Outback Onyx Edition XT

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This low mileage preowned 2025 Subaru Outback Onyx Edition XT AWD SUV below 6,000 miles, cvt transmission, and 19 MPG, 2.4L gas engine is for sale right now below $36K at Garvey Hyundai in Queensbury, NY. ...View More Details

Sales Price:	$35,500
Est. Payment:	$664.27 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,856
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$35,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,159.06
Avg. DMV Fee	86.00
Cash Sale Price	$38,820.06
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	$38,820.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$664.27

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2020 Chevrolet Silverado 1500 RST

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This low mileage used 2020 Chevrolet Silverado 1500 RST 4x4 pickup below 45,000 miles, automatic transmission, and 19 MPG, 6.2L gas engine is for sale right now under $37K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$36,990
Est. Payment:	$692.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	45,491
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$36,990.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,291.37
Avg. DMV Fee	86.00
Cash Sale Price	$40,442.37
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	$40,442.37
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$692.03

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2025 Volkswagen Taos SEL 4Motion

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This low mileage certified second hand 2025 Volkswagen Taos SEL 4Motion AWD SUV under 6,000 miles, automatic transmission, and 19 MPG, 1.5L gas engine is for sale right now below $37K at Garvey Kia in Queensbury, NY. ...View More Details

Sales Price:	$36,410
Est. Payment:	$681.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,766
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$36,410.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,239.87
Avg. DMV Fee	86.00
Cash Sale Price	$39,810.87
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	$39,810.87
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$681.22

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,410.00. 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 Hyundai PALISADE Limited

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This low mileage used 2024 Hyundai PALISADE Limited AWD SUV below 28,000 miles, automatic transmission, and 19 MPG, 3.8L gas engine is for sale right now under $39K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$38,500
Est. Payment:	$720.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,943
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$38,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,425.46
Avg. DMV Fee	86.00
Cash Sale Price	$42,086.46
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	$42,086.46
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$720.16

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Hyundai PALISADE SEL

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This low mileage second hand 2023 Hyundai PALISADE SEL AWD SUV under 17,000 miles, automatic transmission, and 19 MPG, 3.8L gas engine is for sale right now under $35K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$35,000
Est. Payment:	$654.95 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,101
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$35,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,114.66
Avg. DMV Fee	86.00
Cash Sale Price	$38,275.66
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	$38,275.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$654.95

(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 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 SEL

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This low mileage certified preowned 2026 Hyundai SANTA FE SEL AWD SUV under 11,000 miles, automatic transmission, and 19 MPG, 2.5L gas engine is for sale right now below $36K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$35,500
Est. Payment:	$664.27 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,302
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$35,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,159.06
Avg. DMV Fee	86.00
Cash Sale Price	$38,820.06
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	$38,820.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$664.27

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 GMC Sierra 1500 Elevation Standard

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This low mileage preowned 2023 GMC Sierra 1500 Elevation Standard 4x4 pickup below 18,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now below $39K at Oliver Ford of Bennington in Bennington, VT. ...View More Details

Sales Price:	$38,182
Est. Payment:	$714.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,242
Location:	Bennington, VT

Item	Amount
Used Car Price⁽¹⁾	$38,182.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,397.22
Avg. DMV Fee	86.00
Cash Sale Price	$41,740.22
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	$41,740.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$714.24

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,182.00. 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 the Greater Albany - Schenectady - Troy Area

Metro Albany - Schenectady - Troy Secondhand Used Vehicles Priced Below $40,000

2023 Honda Pilot Elite

2024 Toyota Highlander XLE

2025 Hyundai PALISADE XRT

2025 Subaru Outback Onyx Edition XT

2020 Chevrolet Silverado 1500 RST

2025 Volkswagen Taos SEL 4Motion

2024 Hyundai PALISADE Limited

2023 Hyundai PALISADE SEL

2026 Hyundai SANTA FE SEL

2023 GMC Sierra 1500 Elevation Standard

Greater Albany - Schenectady - Troy Area Cities with Used Cars for Sale Below $40K

Metro Albany - Schenectady - Troy Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Albany - Schenectady - Troy Area

Metro Albany - Schenectady - Troy Secondhand Used Vehicles Priced Below $40,000

2023 Honda Pilot Elite

Honda Pilot Elite

2023 Honda Pilot Elite Car Loan Estimate

2024 Toyota Highlander XLE

Toyota Highlander XLE

2024 Toyota Highlander XLE Car Loan Estimate

2025 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2025 Hyundai PALISADE XRT Car Loan Estimate

2025 Subaru Outback Onyx Edition XT

Subaru Outback Onyx Edition XT

2025 Subaru Outback Onyx Edition XT Car Loan Estimate

2020 Chevrolet Silverado 1500 RST

Chevrolet Silverado 1500 RST

2020 Chevrolet Silverado 1500 RST Car Loan Estimate

2025 Volkswagen Taos SEL 4Motion

Volkswagen Taos SEL 4Motion

2025 Volkswagen Taos SEL 4Motion Car Loan Estimate

2024 Hyundai PALISADE Limited

Hyundai PALISADE Limited

2024 Hyundai PALISADE Limited Car Loan Estimate

2023 Hyundai PALISADE SEL

Hyundai PALISADE SEL

2023 Hyundai PALISADE SEL Car Loan Estimate

2026 Hyundai SANTA FE SEL

Hyundai SANTA FE SEL

2026 Hyundai SANTA FE SEL Car Loan Estimate

2023 GMC Sierra 1500 Elevation Standard

GMC Sierra 1500 Elevation Standard

2023 GMC Sierra 1500 Elevation Standard Car Loan Estimate

Greater Albany - Schenectady - Troy Area Cities with Used Cars for Sale Below $40K

Metro Albany - Schenectady - Troy Area Counties with Used Cars for Sale Below $40,000

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