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

2025 Volkswagen Taos SEL 4Motion

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This low mileage certified used 2025 Volkswagen Taos SEL 4Motion AWD SUV under 6,000 miles, automatic transmission, and 37 MPG, 1.5L gas engine is for sale right now below $37K at Garvey Kia in Queensbury, NY. ...View More Details

Sales Price:	$36,410
Est. Payment:	$681.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,766
Location:	Queensbury, NY

Item	Amount
Used Car Price⁽¹⁾	$36,410.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,239.87
Avg. DMV Fee	86.00
Cash Sale Price	$39,810.87
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	$39,810.87
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$681.22

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,410.00. 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 Chrysler Pacifica Limited

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This low mileage second hand 2023 Chrysler Pacifica Limited AWD minivan below 24,000 miles, automatic transmission, and 37 MPG, 3.6L gas engine is for sale right now under $38K at Matthews Hyundai of Greece in Rochester, NY. ...View More Details

Sales Price:	$37,290
Est. Payment:	$697.62 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,932
Location:	Rochester, NY

Item	Amount
Used Car Price⁽¹⁾	$37,290.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,318.01
Avg. DMV Fee	86.00
Cash Sale Price	$40,769.01
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	$40,769.01
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$697.62

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,290.00. 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 second hand 2023 BMW X3 xDrive30i AWD SUV below 16,000 miles, automatic transmission, and 37 MPG, 2.0L gas engine is for sale right now below $39K at BMW Of Freeport in Freeport, NY. ...View More Details

Sales Price:	$38,223
Est. Payment:	$715.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,469
Location:	Freeport, NY

Item	Amount
Used Car Price⁽¹⁾	$38,223.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,400.86
Avg. DMV Fee	86.00
Cash Sale Price	$41,784.86
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	$41,784.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$715.00

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,223.00. 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 Toyota Highlander XLE

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This low mileage second hand 2023 Toyota Highlander XLE AWD SUV below 32,000 miles, automatic transmission, and 37 MPG, 2.4L gas engine is for sale right now below $38K at Rockland Hyundai in West Nyack, NY. ...View More Details

Sales Price:	$37,688
Est. Payment:	$705.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,902
Location:	West Nyack, NY

Item	Amount
Used Car Price⁽¹⁾	$37,688.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,353.35
Avg. DMV Fee	86.00
Cash Sale Price	$41,202.35
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	$41,202.35
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$705.03

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,688.00. 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 Dodge Challenger R/T

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This low mileage second hand 2022 Dodge Challenger R/T RWD coupe under 15,000 miles, transmission, and 37 MPG, 5.7L gas engine is for sale right now below $37K at Burdick Hyundai Cicero in Cicero, NY. ...View More Details

Sales Price:	$36,490
Est. Payment:	$682.71 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,373
Location:	Cicero, NY

Item	Amount
Used Car Price⁽¹⁾	$36,490.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,246.97
Avg. DMV Fee	86.00
Cash Sale Price	$39,897.97
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	$39,897.97
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$682.71

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,490.00. 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 Toyota Highlander XLE

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This low mileage used 2024 Toyota Highlander XLE AWD SUV under 36,000 miles, automatic transmission, and 37 MPG, 2.4L gas engine is for sale right now below $40K at Lia Hyundai in Albany, NY. ...View More Details

Sales Price:	$39,500
Est. Payment:	$738.79 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	36,256
Location:	Albany, NY

Item	Amount
Used Car Price⁽¹⁾	$39,500.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,514.26
Avg. DMV Fee	86.00
Cash Sale Price	$43,175.26
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	$43,175.26
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$738.79

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,500.00. 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 Genesis GV70 2.5T Standard

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This low mileage certified preowned 2024 Genesis GV70 2.5T Standard AWD SUV under 39,000 miles, automatic transmission, and 37 MPG, 2.5L gas engine is for sale right now below $40K at Genesis of White Plains in White Plains, NY. ...View More Details

Sales Price:	$39,855
Est. Payment:	$745.41 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,512
Location:	White Plains, NY

Item	Amount
Used Car Price⁽¹⁾	$39,855.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,545.78
Avg. DMV Fee	86.00
Cash Sale Price	$43,561.78
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	$43,561.78
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$745.41

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,855.00. 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 Ram 2500 Tradesman

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This low mileage preowned 2022 Ram 2500 Tradesman 4x4 pickup below 32,000 miles, automatic transmission, and 37 MPG, 6.4L gas engine is for sale right now below $37K at Healey Hyundai in Fishkill, NY. ...View More Details

Sales Price:	$36,300
Est. Payment:	$679.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	31,866
Location:	Fishkill, NY

Item	Amount
Used Car Price⁽¹⁾	$36,300.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,230.10
Avg. DMV Fee	86.00
Cash Sale Price	$39,691.10
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	$39,691.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$679.17

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,300.00. 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.

2026 Honda CR-V EX-L

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This low mileage second hand 2026 Honda CR-V EX-L AWD SUV below 2,000 miles, cvt transmission, and 37 MPG, 1.5L gas engine is for sale right now below $37K at Burdick Hyundai Cicero in Cicero, NY. ...View More Details

Sales Price:	$37,000
Est. Payment:	$692.22 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	1,737
Location:	Cicero, 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 Finance Payment	$692.22

(1) Auto Finance 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 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 Honda CR-V Hybrid Sport-L

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This low mileage second hand 2025 Honda CR-V Hybrid Sport-L AWD SUV under 16,000 miles, automatic transmission, and 37 MPG, 2.0L hybrid engine is for sale right now under $37K at Star Hyundai in Bayside, NY. ...View More Details

Sales Price:	$36,995
Est. Payment:	$692.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,392
Location:	Bayside, 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
Auto Loan Payment	$692.12

(1) Auto 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) 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 $40,000 for Sale in New York

New York Secondhand Used Vehicles Priced Below $40,000

2025 Volkswagen Taos SEL 4Motion

2023 Chrysler Pacifica Limited

2023 BMW X3 xDrive30i

2023 Toyota Highlander XLE

2022 Dodge Challenger R/T

2024 Toyota Highlander XLE

2024 Genesis GV70 2.5T Standard

2022 Ram 2500 Tradesman

2026 Honda CR-V EX-L

2025 Honda CR-V Hybrid Sport-L

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

2025 Volkswagen Taos SEL 4Motion

Volkswagen Taos SEL 4Motion

2025 Volkswagen Taos SEL 4Motion Car Loan Estimate

2023 Chrysler Pacifica Limited

Chrysler Pacifica Limited

2023 Chrysler Pacifica Limited Car Loan Estimate

2023 BMW X3 xDrive30i

BMW X3 xDrive30i

2023 BMW X3 xDrive30i Car Loan Estimate

2023 Toyota Highlander XLE

Toyota Highlander XLE

2023 Toyota Highlander XLE Car Loan Estimate

2022 Dodge Challenger R/T

Dodge Challenger R/T

2022 Dodge Challenger R/T Car Loan Estimate

2024 Toyota Highlander XLE

Toyota Highlander XLE

2024 Toyota Highlander XLE Car Loan Estimate

2024 Genesis GV70 2.5T Standard

Genesis GV70 2.5T Standard

2024 Genesis GV70 2.5T Standard Car Loan Estimate

2022 Ram 2500 Tradesman

Ram 2500 Tradesman

2022 Ram 2500 Tradesman Car Loan Estimate

2026 Honda CR-V EX-L

Honda CR-V EX-L

2026 Honda CR-V EX-L Car Loan Estimate

2025 Honda CR-V Hybrid Sport-L

Honda CR-V Hybrid Sport-L

2025 Honda CR-V Hybrid Sport-L Car Loan Estimate

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

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