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

2026 Hyundai SANTA FE SE

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This low mileage certified preowned 2026 Hyundai SANTA FE SE AWD SUV under 3,000 miles, automatic transmission, and 22 MPG, 2.5L gas engine is for sale right now under $38K at West Herr Hyundai in Clarence, NY. ...View More Details

Sales Price:	$37,503
Est. Payment:	$701.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,029
Location:	Clarence, NY

Item	Amount
Used Car Price⁽¹⁾	$37,503.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,336.93
Avg. DMV Fee	86.00
Cash Sale Price	$41,000.93
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	$41,000.93
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$701.59

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,503.00. 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 Honda Pilot EX-L w/Rear Captain's Chairs

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This low mileage preowned 2023 Honda Pilot EX-L w/Rear Captain's Chairs AWD SUV under 29,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $40K at Mastrovito Hyundai in Yorkville, NY. ...View More Details

Sales Price:	$39,199
Est. Payment:	$733.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,919
Location:	Yorkville, NY

Item	Amount
Used Car Price⁽¹⁾	$39,199.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,487.53
Avg. DMV Fee	86.00
Cash Sale Price	$42,847.53
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	$42,847.53
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$733.19

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,199.00. 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 25,000 miles, automatic transmission, and 22 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
Car Finance Payment	$733.63

(1) Car 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) 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 Audi Q5 quattro S line Prem Plus 45 TFSI

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This low mileage certified used 2023 Audi Q5 quattro S line Prem Plus 45 TFSI AWD SUV under 23,000 miles, automatic transmission, and 22 MPG, 2.0L hybrid engine is for sale right now below $36K at Burdick Hyundai Cicero in Cicero, NY. ...View More Details

Sales Price:	$35,360
Est. Payment:	$661.66 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,344
Location:	Cicero, NY

Item	Amount
Used Car Price⁽¹⁾	$35,360.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,146.63
Avg. DMV Fee	86.00
Cash Sale Price	$38,667.63
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	$38,667.63
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$661.66

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,360.00. 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 XRT

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This low mileage certified second hand 2025 Hyundai PALISADE XRT AWD SUV under 4,000 miles, automatic transmission, and 22 MPG, 3.8L gas engine is for sale right now below $40K at Hyundai of 110 in Farmingdale, NY. ...View More Details

Sales Price:	$39,400
Est. Payment:	$736.93 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,180
Location:	Farmingdale, NY

Item	Amount
Used Car Price⁽¹⁾	$39,400.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,505.38
Avg. DMV Fee	86.00
Cash Sale Price	$43,066.38
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	$43,066.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$736.93

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,400.00. 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 X3 xDrive30i

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This low mileage certified used 2023 BMW X3 xDrive30i AWD SUV under 33,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $38K at Orange County BMW in Harriman, NY. ...View More Details

Sales Price:	$37,847
Est. Payment:	$708.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,926
Location:	Harriman, NY

Item	Amount
Used Car Price⁽¹⁾	$37,847.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,367.47
Avg. DMV Fee	86.00
Cash Sale Price	$41,375.47
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	$41,375.47
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$708.00

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,847.00. 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 X3 xDrive30i

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This low mileage certified preowned 2023 BMW X3 xDrive30i AWD SUV under 37,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $38K at Orange County BMW in Harriman, NY. ...View More Details

Sales Price:	$37,447
Est. Payment:	$700.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,415
Location:	Harriman, NY

Item	Amount
Used Car Price⁽¹⁾	$37,447.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,331.95
Avg. DMV Fee	86.00
Cash Sale Price	$40,939.95
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	$40,939.95
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$700.54

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,447.00. 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 Hyundai PALISADE Calligraphy

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This low mileage certified preowned 2024 Hyundai PALISADE Calligraphy AWD SUV under 32,000 miles, automatic transmission, and 22 MPG, 3.8L gas engine is for sale right now under $40K at Healey Hyundai in Fishkill, NY. ...View More Details

Sales Price:	$40,000
Est. Payment:	$748.11 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,925
Location:	Fishkill, NY

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⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$43,719.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$748.11

(1) Car 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) 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 BMW 3 Series 330i xDrive

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This low mileage certified second hand 2023 BMW 3 Series 330i xDrive AWD sedan under 12,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now below $38K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$37,943
Est. Payment:	$709.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,399
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$37,943.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,376.00
Avg. DMV Fee	86.00
Cash Sale Price	$41,480.00
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	$41,480.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$709.78

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,943.00. 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 Ford Ranger Lariat

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This low mileage preowned 2023 Ford Ranger Lariat 4x4 pickup below 33,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now below $36K at Genesis OF Buffalo in Buffalo, NY. ...View More Details

Sales Price:	$35,672
Est. Payment:	$667.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,899
Location:	Buffalo, NY

Item	Amount
Used Car Price⁽¹⁾	$35,672.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,174.33
Avg. DMV Fee	86.00
Cash Sale Price	$39,007.33
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	$39,007.33
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$667.47

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,672.00. 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 New York

New York Secondhand Used Vehicles Priced Below $40,000

2026 Hyundai SANTA FE SE

2023 Honda Pilot EX-L w/Rear Captain's Chairs

2024 BMW X3 xDrive30i

2023 Audi Q5 quattro S line Prem Plus 45 TFSI

2025 Hyundai PALISADE XRT

2023 BMW X3 xDrive30i

2023 BMW X3 xDrive30i

2024 Hyundai PALISADE Calligraphy

2023 BMW 3 Series 330i xDrive

2023 Ford Ranger Lariat

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

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

New York Secondhand Used Vehicles Priced Below $40,000

2026 Hyundai SANTA FE SE

Hyundai SANTA FE SE

2026 Hyundai SANTA FE SE Car Loan Estimate

2023 Honda Pilot EX-L w/Rear Captain's Chairs

Honda Pilot EX-L w/Rear Captain's Chairs

2023 Honda Pilot EX-L w/Rear Captain's Chairs Car Loan Estimate

2024 BMW X3 xDrive30i

BMW X3 xDrive30i

2024 BMW X3 xDrive30i Car Loan Estimate

2023 Audi Q5 quattro S line Prem Plus 45 TFSI

Audi Q5 quattro S line Prem Plus 45 TFSI

2023 Audi Q5 quattro S line Prem Plus 45 TFSI Car Loan Estimate

2025 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2025 Hyundai PALISADE XRT Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

2024 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2024 Hyundai PALISADE Calligraphy Car Loan Estimate

2023 BMW 3 Series 330i xDrive

BMW 3 Series 330i xDrive

2023 BMW 3 Series 330i xDrive Car Loan Estimate

2023 Ford Ranger Lariat

Ford Ranger Lariat

2023 Ford Ranger Lariat Car Loan Estimate

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

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