Saint James, NY Used Cars Under $500 a Month

2024 Mazda CX-5 2.5 S Carbon Edition

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This low mileage second hand 2024 Mazda CX-5 2.5 S Carbon Edition AWD SUV under 33,000 miles, a transmission, and 24 MPG, 2.5L gas engine is for sale right now below $26K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$25,555
Est. Payment:	$478.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,208
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$25,555.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,275.94
Avg. DMV Fee	86.00
Cash Sale Price	$27,991.94
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	$27,991.94
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$478.98

(1) Car Finance calculations are based on the used car dealer's advertised price of $25,555.00. 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.

2020 Lincoln Nautilus Reserve

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This average mileage preowned 2020 Lincoln Nautilus Reserve AWD SUV under 70,000 miles, a transmission, and 24 MPG, 2.7L gas engine is for sale right now below $21K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$20,555
Est. Payment:	$489.35 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,110
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$20,555.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,831.94
Avg. DMV Fee	86.00
Cash Sale Price	$22,547.94
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	$22,547.94
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Finance Payment	$489.35

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,555.00. 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 54 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 Lincoln Nautilus Reserve

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This low mileage used 2021 Lincoln Nautilus Reserve AWD SUV under 54,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $25K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$24,555
Est. Payment:	$493.95 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,896
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$24,555.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,187.14
Avg. DMV Fee	86.00
Cash Sale Price	$26,903.14
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	$26,903.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$493.95

(1) Auto Finance calculations are based on the used car dealer's advertised price of $24,555.00. 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 66 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.

2021 Cadillac XT4 Sport

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This low mileage preowned 2021 Cadillac XT4 Sport 4X4 wagon under 34,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now below $27K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$26,995
Est. Payment:	$505.81 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,439
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$26,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,403.82
Avg. DMV Fee	86.00
Cash Sale Price	$29,559.82
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	$29,559.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$505.81

(1) Car Finance calculations are based on the used car dealer's advertised price of $26,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2020 Ford Explorer XLT

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This average mileage preowned 2020 Ford Explorer XLT AWD SUV under 71,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $21K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$20,455
Est. Payment:	$486.98 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,957
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$20,455.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,823.06
Avg. DMV Fee	86.00
Cash Sale Price	$22,439.06
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	$22,439.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$486.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $20,455.00. 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 54 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 Jeep Grand Cherokee Limited

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This average mileage used 2020 Jeep Grand Cherokee Limited 4X4 SUV under 85,000 miles, a transmission, and 24 MPG, 3.6L gas engine is for sale right now below $18K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$17,345
Est. Payment:	$457.40 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	85,000
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$17,345.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	1,546.90
Avg. DMV Fee	86.00
Cash Sale Price	$19,052.90
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	$19,052.90
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Loan Payment	$457.40

(1) Car Loan calculations are based on the used car dealer's advertised price of $17,345.00. 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 48 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 Explorer XLT

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This low mileage preowned 2022 Ford Explorer XLT AWD SUV under 53,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $24K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$23,995
Est. Payment:	$482.76 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	52,514
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$23,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,137.42
Avg. DMV Fee	86.00
Cash Sale Price	$26,293.42
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	$26,293.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$482.76

(1) Car Finance calculations are based on the used car dealer's advertised price of $23,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 66 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 Explorer XLT

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This low mileage preowned 2022 Ford Explorer XLT AWD SUV below 40,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $26K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$25,895
Est. Payment:	$485.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	39,677
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$25,895.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,306.14
Avg. DMV Fee	86.00
Cash Sale Price	$28,362.14
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	$28,362.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$485.32

(1) Auto Finance calculations are based on the used car dealer's advertised price of $25,895.00. 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 Volkswagen Tiguan SE 4Motion

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This low mileage second hand 2023 Volkswagen Tiguan SE 4Motion AWD SUV below 50,000 miles, a transmission, and 24 MPG, 2.0L gas engine is for sale right now under $23K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$22,755
Est. Payment:	$457.97 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,263
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$22,755.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,027.30
Avg. DMV Fee	86.00
Cash Sale Price	$24,943.30
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	$24,943.30
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$457.97

(1) Car Finance calculations are based on the used car dealer's advertised price of $22,755.00. 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 66 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 Ford Explorer XLT

⇩ View Seller Description

This low mileage preowned 2021 Ford Explorer XLT AWD SUV below 51,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $24K at Ford of Smithtown in Saint James, NY. ...View More Details

Sales Price:	$23,555
Est. Payment:	$473.96 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	50,966
Location:	Saint James, NY

Item	Amount
Used Car Price⁽¹⁾	$23,555.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	2,098.34
Avg. DMV Fee	86.00
Cash Sale Price	$25,814.34
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	$25,814.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$473.96

(1) Car Loan calculations are based on the used car dealer's advertised price of $23,555.00. 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.

Used Cars under $500 per month for Sale in Saint James, NY

Saint James, NY Secondhand Used Vehicles with Payments Below $500 / Month

2024 Mazda CX-5 2.5 S Carbon Edition

2020 Lincoln Nautilus Reserve

2021 Lincoln Nautilus Reserve

2021 Cadillac XT4 Sport

2020 Ford Explorer XLT

2020 Jeep Grand Cherokee Limited

2022 Ford Explorer XLT

2022 Ford Explorer XLT

2023 Volkswagen Tiguan SE 4Motion

2021 Ford Explorer XLT

Used Cars under $500 per month for Sale in Saint James, NY

Saint James, NY Secondhand Used Vehicles with Payments Below $500 / Month

2024 Mazda CX-5 2.5 S Carbon Edition

Mazda CX-5 2.5 S Carbon Edition

2024 Mazda CX-5 2.5 S Carbon Edition Car Loan Estimate

2020 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2020 Lincoln Nautilus Reserve Car Loan Estimate

2021 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2021 Lincoln Nautilus Reserve Car Loan Estimate

2021 Cadillac XT4 Sport

Cadillac XT4 Sport

2021 Cadillac XT4 Sport Car Loan Estimate

2020 Ford Explorer XLT

Ford Explorer XLT

2020 Ford Explorer XLT Car Loan Estimate

2020 Jeep Grand Cherokee Limited

Jeep Grand Cherokee Limited

2020 Jeep Grand Cherokee Limited Car Loan Estimate

2022 Ford Explorer XLT

Ford Explorer XLT

2022 Ford Explorer XLT Car Loan Estimate

2022 Ford Explorer XLT

Ford Explorer XLT

2022 Ford Explorer XLT Car Loan Estimate

2023 Volkswagen Tiguan SE 4Motion

Volkswagen Tiguan SE 4Motion

2023 Volkswagen Tiguan SE 4Motion Car Loan Estimate

2021 Ford Explorer XLT

Ford Explorer XLT

2021 Ford Explorer XLT Car Loan Estimate

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