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

2023 Ford F-150 XLT

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This low mileage second hand 2023 Ford F-150 XLT 4x4 pickup below 26,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now under $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
Car Loan Payment	$683.31

(1) Car 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) 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 second hand 2025 Ford Mustang Mach-E Premium AWD SUV under 17,000 miles, automatic transmission, and 0.0L electric engine is for sale right now under $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
Car Loan Payment	$707.85

(1) Car Loan 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) 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 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 under 92,000 miles, automatic transmission, and 24 MPG, 6.7L diesel engine is for sale right now below $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
Auto Finance Payment	$1146.43

(1) Auto Finance 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) 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 42 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 Lariat

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This low mileage second hand 2023 Ford F-150 Lariat 4x4 pickup under 35,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now under $38K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$37,348
Est. Payment:	$698.70 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,040
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$37,348.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,323.16
Avg. DMV Fee	86.00
Cash Sale Price	$40,832.16
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	$40,832.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$698.70

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,348.00. 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.

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 24 MPG, 2.3L gas engine is for sale right now below $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
Auto Loan Payment	$726.37

(1) Auto Loan 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) 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 F-150 Lariat

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This low mileage used 2023 Ford F-150 Lariat 4x4 pickup below 32,000 miles, automatic transmission, and 24 MPG, 2.7L gas engine is for sale right now below $37K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$36,299
Est. Payment:	$679.16 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,482
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$36,299.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,230.01
Avg. DMV Fee	86.00
Cash Sale Price	$39,690.01
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	$39,690.01
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$679.16

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,299.00. 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 second hand 2021 Lexus RX 350 Base AWD SUV below 43,000 miles, automatic transmission, and 24 MPG, 3.5L gas engine is for sale right now under $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
Auto Loan Payment	$665.33

(1) Auto 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) 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 Lincoln Corsair Premiere

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This low mileage preowned 2024 Lincoln Corsair Premiere AWD SUV below 28,000 miles, automatic transmission, and 24 MPG, 2.0L gas engine is for sale right now below $37K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$36,560
Est. Payment:	$684.02 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,699
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$36,560.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,253.19
Avg. DMV Fee	86.00
Cash Sale Price	$39,974.19
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	$39,974.19
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$684.02

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,560.00. 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 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 24 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
Auto Finance Payment	$710.10

(1) Auto 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) 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 Chrysler Pacifica Limited

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This low mileage second hand 2025 Chrysler Pacifica Limited FWD minivan under 29,000 miles, automatic transmission, and 24 MPG, 3.6L gas engine is for sale right now below $37K at Delacy Ford in Elma, NY. ...View More Details

Sales Price:	$36,102
Est. Payment:	$675.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,399
Location:	Elma, NY

Item	Amount
Used Car Price⁽¹⁾	$36,102.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,212.52
Avg. DMV Fee	86.00
Cash Sale Price	$39,475.52
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	$39,475.52
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$675.49

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,102.00. 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.

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

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

2023 Ford F-150 XLT

2025 Ford Mustang Mach-E Premium

2020 Ford F-250 Super Duty King Ranch

2023 Ford F-150 Lariat

2022 Ford Ranger Lariat

2023 Ford F-150 Lariat

2021 Lexus RX 350 Base

2024 Lincoln Corsair Premiere

2023 Ford F-150 XL

2025 Chrysler Pacifica Limited

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

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

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2025 Ford Mustang Mach-E Premium

Ford Mustang Mach-E Premium

2025 Ford Mustang Mach-E Premium 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 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2022 Ford Ranger Lariat

Ford Ranger Lariat

2022 Ford Ranger Lariat Car Loan Estimate

2023 Ford F-150 Lariat

Ford F-150 Lariat

2023 Ford F-150 Lariat Car Loan Estimate

2021 Lexus RX 350 Base

Lexus RX 350 Base

2021 Lexus RX 350 Base Car Loan Estimate

2024 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2024 Lincoln Corsair Premiere Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Chrysler Pacifica Limited

Chrysler Pacifica Limited

2025 Chrysler Pacifica Limited Car Loan Estimate

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