Saint James, NY Used Cars for Sale |with Payments|

2022 Lincoln Nautilus Reserve

⇩ View Seller Description

This low mileage preowned 2022 Lincoln Nautilus Reserve AWD SUV below 22,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $33K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$32,950
Est. Payment:	$829.80 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	22,093
Location:	Saint James, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$32,950.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,932.62
Avg. DMV Fee	86.00
Cash Sale Price	$36,043.62
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$35,618.95
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$829.80

(1) Car Finance calculations are based on the used car dealer's advertised price of $32,950.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford Explorer XLT

⇩ View Seller Description

This low mileage used 2023 Ford Explorer XLT AWD SUV below 47,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now below $29K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$28,995
Est. Payment:	$730.20 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	46,923
Location:	Saint James, NY
Estimated Cash Down:	$400

Item	Amount
Used Car Price⁽¹⁾	$28,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,581.42
Avg. DMV Fee	86.00
Cash Sale Price	$31,737.42
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	400.00
Factory Rebate Incentive	0.00
Total Down Payment	$400.00
Total Loan Amount	$31,343.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$730.20

(1) Auto Loan calculations are based on the used car dealer's advertised price of $28,995.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford Expedition Limited

⇩ View Seller Description

This low mileage second hand 2023 Ford Expedition Limited 4x4 SUV under 22,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $53K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$52,995
Est. Payment:	$1,334.61 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	21,986
Location:	Saint James, NY
Estimated Cash Down:	$600

Item	Amount
Used Car Price⁽¹⁾	$52,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	4,712.62
Avg. DMV Fee	86.00
Cash Sale Price	$57,868.62
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	600.00
Factory Rebate Incentive	0.00
Total Down Payment	$600.00
Total Loan Amount	$57,287.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$1,334.61

(1) Auto Loan calculations are based on the used car dealer's advertised price of $52,995.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford F-150 Raptor

⇩ View Seller Description

This low mileage preowned 2023 Ford F-150 Raptor 4x4 pickup below 38,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $70K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$69,995
Est. Payment:	$1,762.73 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	38,443
Location:	Saint James, NY
Estimated Cash Down:	$800

Item	Amount
Used Car Price⁽¹⁾	$69,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	6,222.22
Avg. DMV Fee	86.00
Cash Sale Price	$76,378.22
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	800.00
Factory Rebate Incentive	0.00
Total Down Payment	$800.00
Total Loan Amount	$75,664.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$1,762.73

(1) Car Loan calculations are based on the used car dealer's advertised price of $69,995.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford F-150 XLT

⇩ View Seller Description

This low mileage preowned 2023 Ford F-150 XLT 4x4 pickup under 20,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now under $40K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$39,355
Est. Payment:	$991.10 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	20,099
Location:	Saint James, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$39,355.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,501.38
Avg. DMV Fee	86.00
Cash Sale Price	$43,017.38
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$42,542.76
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$991.10

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,355.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2020 Ford Transit 350

⇩ View Seller Description

This low mileage used 2020 Ford Transit 350 RWD van under 50,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $28K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$27,995
Est. Payment:	$705.02 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	49,964
Location:	Saint James, NY
Estimated Cash Down:	$400

Item	Amount
Used Car Price⁽¹⁾	$27,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,492.62
Avg. DMV Fee	86.00
Cash Sale Price	$30,648.62
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	400.00
Factory Rebate Incentive	0.00
Total Down Payment	$400.00
Total Loan Amount	$30,262.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$705.02

(1) Auto Loan calculations are based on the used car dealer's advertised price of $27,995.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Lincoln Aviator Reserve

⇩ View Seller Description

This low mileage used 2025 Lincoln Aviator Reserve AWD SUV below 6,000 miles, automatic transmission, and 22 MPG, 3.0L gas engine is for sale right now under $65K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$64,995
Est. Payment:	$1,636.81 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	5,607
Location:	Saint James, NY
Estimated Cash Down:	$700

Item	Amount
Used Car Price⁽¹⁾	$64,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	5,778.22
Avg. DMV Fee	86.00
Cash Sale Price	$70,934.22
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	700.00
Factory Rebate Incentive	0.00
Total Down Payment	$700.00
Total Loan Amount	$70,259.60
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$1,636.81

(1) Car Loan calculations are based on the used car dealer's advertised price of $64,995.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford Explorer XLT

⇩ View Seller Description

This low mileage preowned 2023 Ford Explorer XLT AWD SUV under 36,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $29K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$28,315
Est. Payment:	$713.08 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	35,672
Location:	Saint James, NY
Estimated Cash Down:	$400

Item	Amount
Used Car Price⁽¹⁾	$28,315.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,521.03
Avg. DMV Fee	86.00
Cash Sale Price	$30,997.03
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	400.00
Factory Rebate Incentive	0.00
Total Down Payment	$400.00
Total Loan Amount	$30,608.52
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$713.08

(1) Car Loan calculations are based on the used car dealer's advertised price of $28,315.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 Ford F-150 XLT

⇩ View Seller Description

This low mileage preowned 2023 Ford F-150 XLT 4x4 pickup under 42,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $37K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$36,244
Est. Payment:	$912.76 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	41,915
Location:	Saint James, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$36,244.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,225.13
Avg. DMV Fee	86.00
Cash Sale Price	$39,630.13
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$39,179.76
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$912.76

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,244.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 72 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2017 Ford Focus RS

⇩ View Seller Description

This low mileage second hand 2017 Ford Focus RS AWD hatchback under 46,000 miles, manual transmission, and 22 MPG, 2.3L gas engine is for sale right now under $36K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$35,494
Est. Payment:	$893.87 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	45,920
Location:	Saint James, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$35,494.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,158.53
Avg. DMV Fee	86.00
Cash Sale Price	$38,813.53
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$38,369.01
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$893.87

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,494.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

Saint James, NY Used Cars for Sale

Saint James, NY Secondhand Used Vehicle Inventory

2022 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2022 Lincoln Nautilus Reserve Poor Credit Car Finance Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Auto Loan Estimate

2023 Ford Expedition Limited

Ford Expedition Limited

2023 Ford Expedition Limited Poor Credit Auto Loan Estimate

2023 Ford F-150 Raptor

Ford F-150 Raptor

2023 Ford F-150 Raptor Poor Credit Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Poor Credit Auto Loan Estimate

2020 Ford Transit 350

Ford Transit 350

2020 Ford Transit 350 Poor Credit Auto Loan Estimate

2025 Lincoln Aviator Reserve

Lincoln Aviator Reserve

2025 Lincoln Aviator Reserve Poor Credit Car Loan Estimate

2023 Ford Explorer XLT

Ford Explorer XLT

2023 Ford Explorer XLT Poor Credit Car Loan Estimate

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Poor Credit Auto Finance Estimate

2017 Ford Focus RS

Ford Focus RS

2017 Ford Focus RS Poor Credit Car Loan Estimate

Customize Payments

Find Financing

Customize Payments