Elma, NY Used Cars Under $40,000 |with Payments|

2022 Ford Bronco Base

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This low mileage used 2022 Ford Bronco Base 4x4 SUV below 29,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now below $37K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$36,820
Est. Payment:	$688.86 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,298
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$36,820.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,276.28
Avg. DMV Fee	86.00
Cash Sale Price	$40,257.28
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	$40,257.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$688.86

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,820.00. 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 Lexus RX 350 Base

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This low mileage used 2021 Lexus RX 350 Base AWD SUV under 43,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $36K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$35,557
Est. Payment:	$665.33 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,746
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$35,557.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,164.12
Avg. DMV Fee	86.00
Cash Sale Price	$38,882.12
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	$38,882.12
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$665.33

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,557.00. 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 Ford Transit 250

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This low mileage preowned 2025 Ford Transit 250 RWD van below 13,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $39K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$38,288
Est. Payment:	$716.21 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,667
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$38,288.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,406.63
Avg. DMV Fee	86.00
Cash Sale Price	$41,855.63
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	$41,855.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$716.21

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,288.00. 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 Ford Mustang Mach-E Premium

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This low mileage used 2025 Ford Mustang Mach-E Premium AWD SUV under 17,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $38K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$37,839
Est. Payment:	$707.85 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,707
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$37,839.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,366.76
Avg. DMV Fee	86.00
Cash Sale Price	$41,366.76
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	$41,366.76
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$707.85

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,839.00. 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.

2023 Ford F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup below 27,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $38K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$37,960
Est. Payment:	$710.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,263
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$37,960.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,377.51
Avg. DMV Fee	86.00
Cash Sale Price	$41,498.51
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	$41,498.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$710.10

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,960.00. 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 F-150 Lightning XLT

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This low mileage second hand 2022 Ford F-150 Lightning XLT AWD pickup under 50,000 miles, automatic transmission, and 0.0L electric engine is for sale right now under $40K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$39,520
Est. Payment:	$739.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	49,902
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$39,520.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,516.04
Avg. DMV Fee	86.00
Cash Sale Price	$43,197.04
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	$43,197.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$739.17

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,520.00. 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 Ford F-250 Super Duty King Ranch

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This above average mileage used 2020 Ford F-250 Super Duty King Ranch 4x4 pickup below 92,000 miles, automatic transmission, and 22 MPG, 6.7L diesel engine is for sale right now under $39K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$38,881
Est. Payment:	$1146.43 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	92,239
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$38,881.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,459.29
Avg. DMV Fee	86.00
Cash Sale Price	$42,501.29
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	$42,501.29
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1146.43

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,881.00. 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 42 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.

2023 Ford F-150 XLT

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This low mileage used 2023 Ford F-150 XLT 4x4 pickup under 26,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $37K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$36,522
Est. Payment:	$683.31 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,138
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$36,522.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,249.81
Avg. DMV Fee	86.00
Cash Sale Price	$39,932.81
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	$39,932.81
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$683.31

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,522.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2023 Ford Explorer ST-Line

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This low mileage used 2023 Ford Explorer ST-Line AWD SUV below 8,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $39K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$38,522
Est. Payment:	$720.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,591
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$38,522.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,427.41
Avg. DMV Fee	86.00
Cash Sale Price	$42,110.41
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	$42,110.41
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$720.57

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,522.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2022 Ford Ranger Lariat

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This low mileage preowned 2022 Ford Ranger Lariat 4x4 pickup below 37,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $39K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$38,833
Est. Payment:	$726.37 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,654
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$38,833.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,455.03
Avg. DMV Fee	86.00
Cash Sale Price	$42,449.03
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	$42,449.03
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$726.37

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,833.00. 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 Elma, NY

Elma, NY Secondhand Used Vehicles Priced Below $40,000

2022 Ford Bronco Base

2021 Lexus RX 350 Base

2025 Ford Transit 250

2025 Ford Mustang Mach-E Premium

2023 Ford F-150 XL

2022 Ford F-150 Lightning XLT

2020 Ford F-250 Super Duty King Ranch

2023 Ford F-150 XLT

2023 Ford Explorer ST-Line

2022 Ford Ranger Lariat

Used Cars under $40,000 for Sale in Elma, NY

Elma, NY Secondhand Used Vehicles Priced Below $40,000

2022 Ford Bronco Base

Ford Bronco Base

2022 Ford Bronco Base Car Loan Estimate

2021 Lexus RX 350 Base

Lexus RX 350 Base

2021 Lexus RX 350 Base Car Loan Estimate

2025 Ford Transit 250

Ford Transit 250

2025 Ford Transit 250 Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2022 Ford F-150 Lightning XLT

Ford F-150 Lightning XLT

2022 Ford F-150 Lightning XLT Car Loan Estimate

2020 Ford F-250 Super Duty King Ranch

Ford F-250 Super Duty King Ranch

2020 Ford F-250 Super Duty King Ranch Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2023 Ford Explorer ST-Line

Ford Explorer ST-Line

2023 Ford Explorer ST-Line Car Loan Estimate

2022 Ford Ranger Lariat

Ford Ranger Lariat

2022 Ford Ranger Lariat Car Loan Estimate

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