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

2022 Lexus RX 350 Base

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This low mileage second hand 2022 Lexus RX 350 Base AWD SUV below 44,000 miles, automatic transmission, and 29 MPG, 3.5L gas engine is for sale right now under $40K at BMW of Newton in Newton, NJ. ...View More Details

Sales Price:	$39,495
Est. Payment:	$738.70 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	44,034
Location:	Newton, NJ

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 Loan Payment	$738.70

(1) Auto Loan 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 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 second hand 2024 BMW X3 xDrive30i AWD SUV below 25,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now under $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 Hyundai PALISADE XRT

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This low mileage second hand 2024 Hyundai PALISADE XRT AWD SUV below 19,000 miles, automatic transmission, and 29 MPG, 3.8L gas engine is for sale right now below $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 Loan Payment	$691.92

(1) Car Loan 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 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.

2021 BMW X5 xDrive45e

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This low mileage second hand 2021 BMW X5 xDrive45e AWD SUV below 38,000 miles, automatic transmission, and 29 MPG, 3.0L hybrid engine is for sale right now below $38K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$37,987
Est. Payment:	$710.60 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,678
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$37,987.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,379.91
Avg. DMV Fee	86.00
Cash Sale Price	$41,527.91
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	$41,527.91
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$710.60

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,987.00. 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 second hand 2024 BMW X3 xDrive30i AWD SUV under 16,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now under $40K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$39,997
Est. Payment:	$748.05 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,326
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$39,997.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,558.39
Avg. DMV Fee	86.00
Cash Sale Price	$43,716.39
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	$43,716.39
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$748.05

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,997.00. 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 MINI Countryman Cooper S ALL4

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This low mileage second hand 2025 MINI Countryman Cooper S ALL4 AWD hatchback under 3,000 miles, transmission, and 29 MPG, 2.0L gas engine is for sale right now under $36K at Habberstad Mini in Huntington Station, NY. ...View More Details

Sales Price:	$35,500
Est. Payment:	$664.27 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,025
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$35,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,159.06
Avg. DMV Fee	86.00
Cash Sale Price	$38,820.06
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	$38,820.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$664.27

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,500.00. 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 BMW X3 xDrive30i

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This low mileage certified used 2024 BMW X3 xDrive30i AWD SUV under 19,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now below $39K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$38,487
Est. Payment:	$719.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	18,573
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$38,487.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,424.31
Avg. DMV Fee	86.00
Cash Sale Price	$42,072.31
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	$42,072.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$719.92

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,487.00. 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 Hyundai PALISADE SEL Premium

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This low mileage used 2025 Hyundai PALISADE SEL Premium AWD SUV below 22,000 miles, automatic transmission, and 29 MPG, 3.8L gas engine is for sale right now below $39K at Star Hyundai in Bayside, NY. ...View More Details

Sales Price:	$38,995
Est. Payment:	$729.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,581
Location:	Bayside, NY

Item	Amount
Used Car Price⁽¹⁾	$38,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,469.42
Avg. DMV Fee	86.00
Cash Sale Price	$42,625.42
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	$42,625.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$729.38

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,995.00. 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 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.

2021 Ford Expedition MAX Limited

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This low mileage preowned 2021 Ford Expedition MAX Limited 4x4 SUV under 48,000 miles, automatic transmission, and 29 MPG, 3.5L gas engine is for sale right now below $37K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$37,000
Est. Payment:	$692.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	48,353
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$37,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,292.26
Avg. DMV Fee	86.00
Cash Sale Price	$40,453.26
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	$40,453.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$692.22

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,000.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 230i xDrive

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This low mileage preowned 2025 BMW 2 Series 230i xDrive AWD coupe under 8,000 miles, automatic transmission, and 29 MPG, 2.0L gas engine is for sale right now under $39K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$38,857
Est. Payment:	$726.81 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,103
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$38,857.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,457.16
Avg. DMV Fee	86.00
Cash Sale Price	$42,475.16
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	$42,475.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$726.81

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,857.00. 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

2022 Lexus RX 350 Base

2024 BMW X3 xDrive30i

2024 Hyundai PALISADE XRT

2021 BMW X5 xDrive45e

2024 BMW X3 xDrive30i

2025 MINI Countryman Cooper S ALL4

2024 BMW X3 xDrive30i

2025 Hyundai PALISADE SEL Premium

2021 Ford Expedition MAX Limited

2025 BMW 2 Series 230i xDrive

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

2022 Lexus RX 350 Base

Lexus RX 350 Base

2022 Lexus RX 350 Base Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2024 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2024 Hyundai PALISADE XRT Car Loan Estimate

2021 BMW X5 xDrive45e

BMW X5 xDrive45e

2021 BMW X5 xDrive45e Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2025 MINI Countryman Cooper S ALL4

MINI Countryman Cooper S ALL4

2025 MINI Countryman Cooper S ALL4 Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2025 Hyundai PALISADE SEL Premium

Hyundai PALISADE SEL Premium

2025 Hyundai PALISADE SEL Premium Car Loan Estimate

2021 Ford Expedition MAX Limited

Ford Expedition MAX Limited

2021 Ford Expedition MAX Limited Car Loan Estimate

2025 BMW 2 Series 230i xDrive

BMW 2 Series 230i xDrive

2025 BMW 2 Series 230i xDrive 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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