New York, NY Area Used Cars Under $40,000

2024 Hyundai PALISADE XRT

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This low mileage second hand 2024 Hyundai PALISADE XRT AWD SUV under 19,000 miles, automatic transmission, and 25 MPG, 3.8L gas engine is for sale right now under $37K at Danbury Hyundai in Danbury, CT. ...View More Details

Sales Price:	$36,984
Est. Payment:	$691.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,017
Location:	Danbury, CT

Item	Amount
Used Car Price⁽¹⁾	$36,984.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,290.84
Avg. DMV Fee	86.00
Cash Sale Price	$40,435.84
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	$40,435.84
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$691.92

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,984.00. 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 BMW X3 xDrive30i

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This low mileage certified used 2024 BMW X3 xDrive30i AWD SUV below 25,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now below $40K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$39,223
Est. Payment:	$733.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,528
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$39,223.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,489.66
Avg. DMV Fee	86.00
Cash Sale Price	$42,873.66
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	$42,873.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.63

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,223.00. 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 BMW X3 xDrive30i

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This low mileage certified preowned 2024 BMW X3 xDrive30i AWD SUV under 18,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now below $40K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$39,223
Est. Payment:	$733.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,830
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$39,223.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,489.66
Avg. DMV Fee	86.00
Cash Sale Price	$42,873.66
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	$42,873.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$733.63

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,223.00. 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 BMW X2 xDrive28i

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This low mileage certified used 2025 BMW X2 xDrive28i AWD SUV under 12,000 miles, transmission, and 25 MPG, 2.0L gas engine is for sale right now under $39K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$39,000
Est. Payment:	$729.48 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,221
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$39,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,469.86
Avg. DMV Fee	86.00
Cash Sale Price	$42,630.86
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	$42,630.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$729.48

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,000.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 BMW 3 Series 330i xDrive

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This low mileage certified used 2023 BMW 3 Series 330i xDrive AWD sedan under 9,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now below $40K at BMW of Brooklyn in Brooklyn, NY. ...View More Details

Sales Price:	$39,988
Est. Payment:	$747.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	9,302
Location:	Brooklyn, NY

Item	Amount
Used Car Price⁽¹⁾	$39,988.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,557.59
Avg. DMV Fee	86.00
Cash Sale Price	$43,706.59
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	$43,706.59
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$747.89

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,988.00. 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 BMW 2 Series 228 xDrive Gran Coupe

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This low mileage certified used 2025 BMW 2 Series 228 xDrive Gran Coupe AWD sedan under 4,000 miles, transmission, and 25 MPG, 2.0L gas engine is for sale right now under $38K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$37,423
Est. Payment:	$700.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,504
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$37,423.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,329.82
Avg. DMV Fee	86.00
Cash Sale Price	$40,913.82
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	$40,913.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$700.10

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,423.00. 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 BMW 4 Series 430i xDrive Gran Coupe

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This low mileage certified second hand 2023 BMW 4 Series 430i xDrive Gran Coupe AWD sedan under 36,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now under $39K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$38,723
Est. Payment:	$724.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	35,791
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$38,723.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,445.26
Avg. DMV Fee	86.00
Cash Sale Price	$42,329.26
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	$42,329.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$724.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,723.00. 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.

2025 Genesis GV70 2.5T Standard

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This low mileage certified used 2025 Genesis GV70 2.5T Standard AWD SUV under 34,000 miles, automatic transmission, and 25 MPG, 2.5L gas engine is for sale right now under $37K at Genesis of The South Shore in West Islip, NY. ...View More Details

Sales Price:	$36,777
Est. Payment:	$688.06 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	34,209
Location:	West Islip, NY

Item	Amount
Used Car Price⁽¹⁾	$36,777.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,272.46
Avg. DMV Fee	86.00
Cash Sale Price	$40,210.46
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	$40,210.46
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$688.06

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,777.00. 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.

2024 Genesis GV70 2.5T Standard

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This low mileage used 2024 Genesis GV70 2.5T Standard AWD SUV under 43,000 miles, automatic transmission, and 25 MPG, 2.5L gas engine is for sale right now below $39K at Freehold Hyundai in Freehold, NJ. ...View More Details

Sales Price:	$38,999
Est. Payment:	$729.46 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	42,672
Location:	Freehold, NJ

Item	Amount
Used Car Price⁽¹⁾	$38,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,469.77
Avg. DMV Fee	86.00
Cash Sale Price	$42,629.77
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	$42,629.77
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$729.46

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,999.00. 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 BMW X3 xDrive30i

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This low mileage certified used 2023 BMW X3 xDrive30i AWD SUV below 26,000 miles, automatic transmission, and 25 MPG, 2.0L gas engine is for sale right now below $40K at BMW of Brooklyn in Brooklyn, NY. ...View More Details

Sales Price:	$39,495
Est. Payment:	$738.70 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,151
Location:	Brooklyn, NY

Item	Amount
Used Car Price⁽¹⁾	$39,495.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,513.82
Avg. DMV Fee	86.00
Cash Sale Price	$43,169.82
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	$43,169.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$738.70

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,495.00. 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.

Used Cars under $40,000 for Sale in the Greater New York Area

Metro New York Secondhand Used Vehicles Priced Below $40,000

2024 Hyundai PALISADE XRT

2024 BMW X3 xDrive30i

2024 BMW X3 xDrive30i

2025 BMW X2 xDrive28i

2023 BMW 3 Series 330i xDrive

2025 BMW 2 Series 228 xDrive Gran Coupe

2023 BMW 4 Series 430i xDrive Gran Coupe

2025 Genesis GV70 2.5T Standard

2024 Genesis GV70 2.5T Standard

2023 BMW X3 xDrive30i

Greater New York Area Cities with Used Cars for Sale Below $40K

Metro New York Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater New York Area

Metro New York Secondhand Used Vehicles Priced Below $40,000

2024 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2024 Hyundai PALISADE XRT Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2025 BMW X2 xDrive28i

BMW X2 xDrive28i

2025 BMW X2 xDrive28i Car Loan Estimate

2023 BMW 3 Series 330i xDrive

BMW 3 Series 330i xDrive

2023 BMW 3 Series 330i xDrive Car Loan Estimate

2025 BMW 2 Series 228 xDrive Gran Coupe

BMW 2 Series 228 xDrive Gran Coupe

2025 BMW 2 Series 228 xDrive Gran Coupe Car Loan Estimate

2023 BMW 4 Series 430i xDrive Gran Coupe

BMW 4 Series 430i xDrive Gran Coupe

2023 BMW 4 Series 430i xDrive Gran Coupe Car Loan Estimate

2025 Genesis GV70 2.5T Standard

Genesis GV70 2.5T Standard

2025 Genesis GV70 2.5T Standard Car Loan Estimate

2024 Genesis GV70 2.5T Standard

Genesis GV70 2.5T Standard

2024 Genesis GV70 2.5T Standard Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

Greater New York Area Cities with Used Cars for Sale Below $40K

Metro New York Area Counties with Used Cars for Sale Below $40,000

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