New York Used Convertibles Under $40,000 |with Payments|

2020 BMW Z4 sDrive M40i

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This low mileage used 2020 BMW Z4 sDrive M40i RWD convertible under 55,000 miles, automatic transmission, and 32 MPG, 3.0L gas engine is for sale right now below $36K at Habberstad BMW in Huntington Station, NY. ...View More Details

Sales Price:	$35,500
Est. Payment:	$938.41 / 66 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	55,127
Location:	Huntington Station, NY
Estimated Cash Down:	$500

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⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$38,375.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	66
Car Loan Payment	$938.41

(1) Car Loan 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) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 66 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2023 MINI Convertible John Cooper Works

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This low mileage certified second hand 2023 MINI Convertible John Cooper Works FWD convertible under 11,000 miles, automatic transmission, and 32 MPG, 2.0L gas engine is for sale right now below $37K at Habberstad Mini in Huntington Station, NY. ...View More Details

Sales Price:	$36,750
Est. Payment:	$925.50 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	10,708
Location:	Huntington Station, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$36,750.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,270.06
Avg. DMV Fee	86.00
Cash Sale Price	$40,181.06
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$39,726.75
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$925.50

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,750.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 72 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2022 BMW 4 Series 430i xDrive

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This low mileage preowned 2022 BMW 4 Series 430i xDrive AWD convertible below 32,000 miles, automatic transmission, and 32 MPG, 2.0L gas engine is for sale right now under $39K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$38,998
Est. Payment:	$982.11 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	31,536
Location:	Freeport, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$38,998.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,469.68
Avg. DMV Fee	86.00
Cash Sale Price	$42,628.68
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$42,156.84
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$982.11

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,998.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2026 MINI Convertible Cooper S

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This low mileage used 2026 MINI Convertible Cooper S FWD convertible under 1,000 miles, automatic transmission, and 32 MPG, 2.0L gas engine is for sale right now under $40K at Habberstad Mini in Huntington Station, NY. ...View More Details

Sales Price:	$40,000
Est. Payment:	$1,007.35 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	1,000
Location:	Huntington Station, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$40,000.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,558.66
Avg. DMV Fee	86.00
Cash Sale Price	$43,719.66
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$43,240.00
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Loan Payment	$1,007.35

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,000.00. 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 115%.

(3) Auto Loan Interest rate of 18.86% APR and 72 month auto loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Ford Mustang EcoBoost

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This low mileage preowned 2025 Ford Mustang EcoBoost RWD convertible under 23,000 miles, automatic transmission, and 32 MPG, 2.3L gas engine is for sale right now under $38K at Hempstead Ford in Hempstead, NY. ...View More Details

Sales Price:	$37,295
Est. Payment:	$939.22 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	23,353
Location:	Hempstead, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$37,295.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,318.46
Avg. DMV Fee	86.00
Cash Sale Price	$40,774.46
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$40,315.90
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$939.22

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,295.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Ford Mustang EcoBoost

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This low mileage preowned 2025 Ford Mustang EcoBoost RWD convertible below 23,000 miles, automatic transmission, and 32 MPG, 2.3L gas engine is for sale right now below $38K at Hempstead Ford in Hempstead, NY. ...View More Details

Sales Price:	$37,695
Est. Payment:	$949.30 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	23,336
Location:	Hempstead, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$37,695.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,353.98
Avg. DMV Fee	86.00
Cash Sale Price	$41,209.98
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$40,748.30
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Auto Finance Payment	$949.30

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,695.00. 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 115%.

(3) Auto Finance Interest rate of 18.86% APR and 72 month auto finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Ford Mustang EcoBoost Premium

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This low mileage preowned 2025 Ford Mustang EcoBoost Premium RWD convertible below 18,000 miles, automatic transmission, and 32 MPG, 2.3L gas engine is for sale right now under $38K at Hempstead Ford in Hempstead, NY. ...View More Details

Sales Price:	$37,996
Est. Payment:	$956.88 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	18,477
Location:	Hempstead, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$37,996.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,380.70
Avg. DMV Fee	86.00
Cash Sale Price	$41,537.70
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$41,073.68
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Finance Payment	$956.88

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,996.00. 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 115%.

(3) Car Finance Interest rate of 18.86% APR and 72 month car finance term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2025 Ford Mustang EcoBoost Premium

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This low mileage certified preowned 2025 Ford Mustang EcoBoost Premium RWD convertible below 27,000 miles, automatic transmission, and 32 MPG, 2.3L gas engine is for sale right now below $36K at Riverhead Ford in Riverhead, NY. ...View More Details

Sales Price:	$35,500
Est. Payment:	$894.02 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	27,068
Location:	Riverhead, NY
Estimated Cash Down:	$500

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⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$38,375.50
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$894.02

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2026 MINI Convertible Cooper C

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This low mileage second hand 2026 MINI Convertible Cooper C FWD convertible under 0,000 miles, automatic transmission, and 32 MPG, 2.0L gas engine is for sale right now under $40K at Habberstad Mini in Huntington Station, NY. ...View More Details

Sales Price:	$39,390
Est. Payment:	$991.98 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	17
Location:	Huntington Station, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$39,390.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,504.49
Avg. DMV Fee	86.00
Cash Sale Price	$43,055.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$42,580.59
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$991.98

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,390.00. 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 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

2026 MINI Convertible Cooper C

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This low mileage second hand 2026 MINI Convertible Cooper C FWD convertible under 0,000 miles, automatic transmission, and 32 MPG, 2.0L gas engine is for sale right now below $40K at Habberstad Mini in Huntington Station, NY. ...View More Details

Sales Price:	$39,390
Est. Payment:	$991.98 / 72 months @ 18.86% APR
+ Expand Car Loan Details
Mileage:	11
Location:	Huntington Station, NY
Estimated Cash Down:	$500

Item	Amount
Used Car Price⁽¹⁾	$39,390.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,504.49
Avg. DMV Fee	86.00
Cash Sale Price	$43,055.49
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	500.00
Factory Rebate Incentive	0.00
Total Down Payment	$500.00
Total Loan Amount	$42,580.59
Interest Rate (APR)⁽³⁾	18.86%
Term / Months⁽³⁾	72
Car Loan Payment	$991.98

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 115%.

(3) Car Loan Interest rate of 18.86% APR and 72 month car loan term are based on the national average for a credit score range from 501-600. Actual interest rate and term set by lender.

Used Convertibles under $40,000 for Sale in New York

New York Secondhand Used Convertibles Priced Below $40,000

2020 BMW Z4 sDrive M40i

2023 MINI Convertible John Cooper Works

2022 BMW 4 Series 430i xDrive

2026 MINI Convertible Cooper S

2025 Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost Premium

2025 Ford Mustang EcoBoost Premium

2026 MINI Convertible Cooper C

2026 MINI Convertible Cooper C

New York Areas with Used Convertibles for Sale Below $40,000

Used Convertibles under $40,000 for Sale in New York

New York Secondhand Used Convertibles Priced Below $40,000

2020 BMW Z4 sDrive M40i

BMW Z4 sDrive M40i

2020 BMW Z4 sDrive M40i Poor Credit Car Loan Estimate

2023 MINI Convertible John Cooper Works

MINI Convertible John Cooper Works

2023 MINI Convertible John Cooper Works Poor Credit Auto Finance Estimate

2022 BMW 4 Series 430i xDrive

BMW 4 Series 430i xDrive

2022 BMW 4 Series 430i xDrive Poor Credit Car Loan Estimate

2026 MINI Convertible Cooper S

MINI Convertible Cooper S

2026 MINI Convertible Cooper S Poor Credit Auto Loan Estimate

2025 Ford Mustang EcoBoost

Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost Poor Credit Car Finance Estimate

2025 Ford Mustang EcoBoost

Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost Poor Credit Auto Finance Estimate

2025 Ford Mustang EcoBoost Premium

Ford Mustang EcoBoost Premium

2025 Ford Mustang EcoBoost Premium Poor Credit Car Finance Estimate

2025 Ford Mustang EcoBoost Premium

Ford Mustang EcoBoost Premium

2025 Ford Mustang EcoBoost Premium Poor Credit Car Loan Estimate

2026 MINI Convertible Cooper C

MINI Convertible Cooper C

2026 MINI Convertible Cooper C Poor Credit Car Loan Estimate

2026 MINI Convertible Cooper C

MINI Convertible Cooper C

2026 MINI Convertible Cooper C Poor Credit Car Loan Estimate

New York Areas with Used Convertibles for Sale Below $40,000

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