Utica, NY Area Used Pickups Under $40,000

2026 Toyota Tacoma SR

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This low mileage second hand 2026 Toyota Tacoma SR 4x4 pickup below 1,000 miles, automatic transmission, and 19 MPG, 2.4L gas engine is for sale right now under $38K at Mastrovito Hyundai in Yorkville, NY. ...View More Details

Sales Price:	$37,699
Est. Payment:	$705.24 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	1,448
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$37,699.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,354.33
Avg. DMV Fee	86.00
Cash Sale Price	$41,214.33
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	$41,214.33
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$705.24

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,699.00. 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.

2021 GMC Sierra 1500 AT4

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This average mileage used 2021 GMC Sierra 1500 AT4 4x4 pickup under 84,000 miles, automatic transmission, and 19 MPG, 6.2L gas engine is for sale right now under $38K at Mastrovito Hyundai in Yorkville, NY. ...View More Details

Sales Price:	$37,899
Est. Payment:	$994.64 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	84,328
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$37,899.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,372.09
Avg. DMV Fee	86.00
Cash Sale Price	$41,432.09
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	$41,432.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$994.64

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,899.00. 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 48 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 Hyundai SANTA CRUZ XRT

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This low mileage certified preowned 2025 Hyundai SANTA CRUZ XRT AWD pickup under 12,000 miles, automatic transmission, and 19 MPG, 2.5L gas engine is for sale right now below $36K at Mastrovito Hyundai in Yorkville, NY. ...View More Details

Sales Price:	$35,999
Est. Payment:	$673.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	11,810
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$35,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,203.37
Avg. DMV Fee	86.00
Cash Sale Price	$39,363.37
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	$39,363.37
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$673.57

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,999.00. 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.

2022 Chevrolet Silverado 1500 LTZ

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This low mileage used 2022 Chevrolet Silverado 1500 LTZ 4x4 pickup under 56,000 miles, automatic transmission, and 19 MPG, 6.2L gas engine is for sale right now under $40K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$39,995
Est. Payment:	$802.61 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	55,900
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$39,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,558.22
Avg. DMV Fee	86.00
Cash Sale Price	$43,714.22
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	$43,714.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$802.61

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,995.00. 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 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.

2023 Ford F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup below 54,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now below $38K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$37,995
Est. Payment:	$762.63 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,841
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$37,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,380.62
Avg. DMV Fee	86.00
Cash Sale Price	$41,536.62
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	$41,536.62
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$762.63

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,995.00. 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 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.

2021 Ford F-150 XL

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This high mileage second hand 2021 Ford F-150 XL 4x4 pickup below 112,000 miles, automatic transmission, and 19 MPG, 5.0L gas engine is for sale right now under $39K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$38,995
Est. Payment:	$1318.68 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	111,851
Location:	Yorkville, 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⁾	36
Auto Loan Payment	$1318.68

(1) Auto 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) 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 36 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.

2021 Ram 1500 Lone Star

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This low mileage preowned 2021 Ram 1500 Lone Star 4x4 pickup under 28,000 miles, automatic transmission, and 19 MPG, 5.7L gas engine is for sale right now below $37K at Fenton Ford in Camden, NY. ...View More Details

Sales Price:	$36,995
Est. Payment:	$692.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,119
Location:	Camden, NY

Item	Amount
Used Car Price⁽¹⁾	$36,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,291.82
Avg. DMV Fee	86.00
Cash Sale Price	$40,447.82
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	$40,447.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$692.12

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,995.00. 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.

2023 Ford F-150 XL

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This low mileage preowned 2023 Ford F-150 XL 4x4 pickup under 44,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now under $36K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$35,995
Est. Payment:	$673.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	44,095
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$35,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,203.02
Avg. DMV Fee	86.00
Cash Sale Price	$39,359.02
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	$39,359.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$673.49

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,995.00. 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 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 Ford F-150 XL

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This low mileage second hand 2023 Ford F-150 XL 4x4 pickup below 20,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now below $39K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$38,995
Est. Payment:	$729.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,964
Location:	Yorkville, 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.

2020 Ford F-150 XL

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This low mileage preowned 2020 Ford F-150 XL 4x4 pickup below 46,000 miles, automatic transmission, and 19 MPG, 3.5L gas engine is for sale right now below $36K at Steet-Ponte Ford Lincoln in Yorkville, NY. ...View More Details

Sales Price:	$35,995
Est. Payment:	$673.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,027
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$35,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,203.02
Avg. DMV Fee	86.00
Cash Sale Price	$39,359.02
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	$39,359.02
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$673.49

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,995.00. 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.

Used Pickups under $40,000 for Sale in the Greater Utica Area

Metro Utica Secondhand Used Pickups Priced Below $40,000

2026 Toyota Tacoma SR

2021 GMC Sierra 1500 AT4

2025 Hyundai SANTA CRUZ XRT

2022 Chevrolet Silverado 1500 LTZ

2023 Ford F-150 XL

2021 Ford F-150 XL

2021 Ram 1500 Lone Star

2023 Ford F-150 XL

2023 Ford F-150 XL

2020 Ford F-150 XL

Greater Utica Area Cities with Used Pickups for Sale Below $40K

Metro Utica Area Counties with Used Pickups for Sale Below $40,000

Used Pickups under $40,000 for Sale in the Greater Utica Area

Metro Utica Secondhand Used Pickups Priced Below $40,000

2026 Toyota Tacoma SR

Toyota Tacoma SR

2026 Toyota Tacoma SR Car Loan Estimate

2021 GMC Sierra 1500 AT4

GMC Sierra 1500 AT4

2021 GMC Sierra 1500 AT4 Car Loan Estimate

2025 Hyundai SANTA CRUZ XRT

Hyundai SANTA CRUZ XRT

2025 Hyundai SANTA CRUZ XRT Car Loan Estimate

2022 Chevrolet Silverado 1500 LTZ

Chevrolet Silverado 1500 LTZ

2022 Chevrolet Silverado 1500 LTZ Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

2021 Ram 1500 Lone Star

Ram 1500 Lone Star

2021 Ram 1500 Lone Star Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2020 Ford F-150 XL

Ford F-150 XL

2020 Ford F-150 XL Car Loan Estimate

Greater Utica Area Cities with Used Pickups for Sale Below $40K

Metro Utica Area Counties with Used Pickups for Sale Below $40,000

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