New York, NY Area Used Cars Under $45,000

2025 BMW 2 Series 228 xDrive Gran Coupe

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This low mileage used 2025 BMW 2 Series 228 xDrive Gran Coupe AWD sedan under 6,000 miles, transmission, and 22 MPG, 2.0L gas engine is for sale right now under $45K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$44,250
Est. Payment:	$827.29 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,176
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$44,250.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,936.06
Avg. DMV Fee	86.00
Cash Sale Price	$48,347.06
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	$48,347.06
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$827.29

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,250.00. 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.

2026 Hyundai PALISADE SEL Convenience

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This low mileage preowned 2026 Hyundai PALISADE SEL Convenience AWD SUV below 15,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $43K at Freehold Hyundai in Freehold, NJ. ...View More Details

Sales Price:	$42,999
Est. Payment:	$803.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	14,788
Location:	Freehold, NJ

Item	Amount
Used Car Price⁽¹⁾	$42,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,824.97
Avg. DMV Fee	86.00
Cash Sale Price	$46,984.97
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	$46,984.97
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$803.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2023 GMC Canyon Denali

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This low mileage second hand 2023 GMC Canyon Denali 4x4 pickup under 25,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now below $41K at Maxon Buick GMC in Union, NJ. ...View More Details

Sales Price:	$40,801
Est. Payment:	$763.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,654
Location:	Union, NJ

Item	Amount
Used Car Price⁽¹⁾	$40,801.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,629.79
Avg. DMV Fee	86.00
Cash Sale Price	$44,591.79
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	$44,591.79
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$763.03

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,801.00. 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 BMW 5 Series 540i xDrive

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This low mileage certified second hand 2023 BMW 5 Series 540i xDrive AWD sedan under 40,000 miles, automatic transmission, and 22 MPG, 3.0L hybrid engine is for sale right now under $44K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$44,000
Est. Payment:	$822.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	40,385
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$44,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,913.86
Avg. DMV Fee	86.00
Cash Sale Price	$48,074.86
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	$48,074.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$822.63

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,000.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 BMW X3 30 xDrive

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This low mileage used 2025 BMW X3 30 xDrive AWD SUV under 10,000 miles, automatic transmission, and 22 MPG, 2.0L hybrid engine is for sale right now below $45K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$45,000
Est. Payment:	$841.26 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	10,120
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$45,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	4,002.66
Avg. DMV Fee	86.00
Cash Sale Price	$49,163.66
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	$49,163.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$841.26

(1) Auto Loan calculations are based on the used car dealer's advertised price of $45,000.00. 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.

2023 Genesis GV80 2.5T

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This low mileage second hand 2023 Genesis GV80 2.5T AWD SUV below 28,000 miles, automatic transmission, and 22 MPG, 2.5L gas engine is for sale right now below $43K at Star Hyundai in Bayside, NY. ...View More Details

Sales Price:	$42,995
Est. Payment:	$803.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	27,645
Location:	Bayside, NY

Item	Amount
Used Car Price⁽¹⁾	$42,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,824.62
Avg. DMV Fee	86.00
Cash Sale Price	$46,980.62
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	$46,980.62
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$803.91

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Cadillac XT6 Premium Luxury

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This low mileage preowned 2024 Cadillac XT6 Premium Luxury 4x4 SUV under 16,000 miles, automatic transmission, and 22 MPG, 3.6L gas engine is for sale right now under $43K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$42,500
Est. Payment:	$794.69 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,024
Location:	Huntington Station, NY

Item	Amount
Used Car Price⁽¹⁾	$42,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,780.66
Avg. DMV Fee	86.00
Cash Sale Price	$46,441.66
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	$46,441.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$794.69

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 BMW X3 xDrive30i

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This low mileage certified used 2023 BMW X3 xDrive30i AWD SUV under 29,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $43K at BMW of Morristown in Morristown, NJ. ...View More Details

Sales Price:	$42,897
Est. Payment:	$802.08 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,950
Location:	Morristown, NJ

Item	Amount
Used Car Price⁽¹⁾	$42,897.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,815.91
Avg. DMV Fee	86.00
Cash Sale Price	$46,873.91
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	$46,873.91
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$802.08

(1) Car Finance calculations are based on the used car dealer's advertised price of $42,897.00. 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 BMW X1 xDrive28i

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This low mileage preowned 2025 BMW X1 xDrive28i AWD SUV under 4,000 miles, transmission, and 22 MPG, 2.0L gas engine is for sale right now below $45K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$44,932
Est. Payment:	$840.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,072
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$44,932.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,996.62
Avg. DMV Fee	86.00
Cash Sale Price	$49,089.62
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	$49,089.62
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$840.00

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,932.00. 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 Genesis GV70 3.5T Sport

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This low mileage second hand 2022 Genesis GV70 3.5T Sport AWD SUV under 21,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $43K at Star Hyundai in Bayside, NY. ...View More Details

Sales Price:	$42,999
Est. Payment:	$803.98 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,585
Location:	Bayside, NY

Item	Amount
Used Car Price⁽¹⁾	$42,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,824.97
Avg. DMV Fee	86.00
Cash Sale Price	$46,984.97
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	$46,984.97
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$803.98

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,999.00. 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.

Used Cars under $45,000 for Sale in the Greater New York Area

Metro New York Secondhand Used Vehicles Priced Below $45,000

2025 BMW 2 Series 228 xDrive Gran Coupe

2026 Hyundai PALISADE SEL Convenience

2023 GMC Canyon Denali

2023 BMW 5 Series 540i xDrive

2025 BMW X3 30 xDrive

2023 Genesis GV80 2.5T

2024 Cadillac XT6 Premium Luxury

2023 BMW X3 xDrive30i

2025 BMW X1 xDrive28i

2022 Genesis GV70 3.5T Sport

Greater New York Area Cities with Used Cars for Sale Below $45K

Metro New York Area Counties with Used Cars for Sale Below $45,000

Used Cars under $45,000 for Sale in the Greater New York Area

Metro New York Secondhand Used Vehicles Priced Below $45,000

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

2026 Hyundai PALISADE SEL Convenience

Hyundai PALISADE SEL Convenience

2026 Hyundai PALISADE SEL Convenience Car Loan Estimate

2023 GMC Canyon Denali

GMC Canyon Denali

2023 GMC Canyon Denali Car Loan Estimate

2023 BMW 5 Series 540i xDrive

BMW 5 Series 540i xDrive

2023 BMW 5 Series 540i xDrive Car Loan Estimate

2025 BMW X3 30 xDrive

BMW X3 30 xDrive

2025 BMW X3 30 xDrive Car Loan Estimate

2023 Genesis GV80 2.5T

Genesis GV80 2.5T

2023 Genesis GV80 2.5T Car Loan Estimate

2024 Cadillac XT6 Premium Luxury

Cadillac XT6 Premium Luxury

2024 Cadillac XT6 Premium Luxury Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

2025 BMW X1 xDrive28i

BMW X1 xDrive28i

2025 BMW X1 xDrive28i Car Loan Estimate

2022 Genesis GV70 3.5T Sport

Genesis GV70 3.5T Sport

2022 Genesis GV70 3.5T Sport Car Loan Estimate

Greater New York Area Cities with Used Cars for Sale Below $45K

Metro New York Area Counties with Used Cars for Sale Below $45,000

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