New York Used Cars Under $45,000 |with Payments|

2023 Ford F-150 XLT

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This low mileage preowned 2023 Ford F-150 XLT 4x4 pickup below 21,000 miles, automatic transmission, and 22 MPG, 2.7L gas engine is for sale right now under $41K at Burdick Hyundai Cicero in Cicero, NY. ...View More Details

Sales Price:	$40,111
Est. Payment:	$750.18 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,832
Location:	Cicero, NY

Item	Amount
Used Car Price⁽¹⁾	$40,111.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,568.52
Avg. DMV Fee	86.00
Cash Sale Price	$43,840.52
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	$43,840.52
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$750.18

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,111.00. 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 Honda Pilot Touring

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This low mileage preowned 2025 Honda Pilot Touring AWD SUV below 40,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $44K at Healey Hyundai in Fishkill, NY. ...View More Details

Sales Price:	$43,800
Est. Payment:	$818.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	39,658
Location:	Fishkill, NY

Item	Amount
Used Car Price⁽¹⁾	$43,800.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,896.10
Avg. DMV Fee	86.00
Cash Sale Price	$47,857.10
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	$47,857.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$818.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,800.00. 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 Cadillac XT6 Premium Luxury

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This low mileage used 2024 Cadillac XT6 Premium Luxury 4x4 SUV below 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 Loan Payment	$794.69

(1) Car Loan 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 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 Hyundai SANTA FE Hybrid Calligraphy

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This low mileage certified used 2025 Hyundai SANTA FE Hybrid Calligraphy AWD SUV under 5,000 miles, automatic transmission, and 22 MPG, 1.6L hybrid engine is for sale right now below $42K at Island Hyundai in Staten Island, NY. ...View More Details

Sales Price:	$41,978
Est. Payment:	$784.96 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,811
Location:	Staten Island, NY

Item	Amount
Used Car Price⁽¹⁾	$41,978.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,734.31
Avg. DMV Fee	86.00
Cash Sale Price	$45,873.31
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	$45,873.31
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$784.96

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,978.00. 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.

2024 BMW X5 xDrive40i

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This low mileage used 2024 BMW X5 xDrive40i AWD SUV below 16,000 miles, automatic transmission, and 22 MPG, 3.0L hybrid engine is for sale right now under $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:	16,195
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 Finance Payment	$841.26

(1) Auto Finance 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 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 Land Rover Range Rover Velar P250 Dynamic SE

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This low mileage used 2025 Land Rover Range Rover Velar P250 Dynamic SE AWD SUV under 24,000 miles, automatic transmission, and 22 MPG, 2.0L gas engine is for sale right now under $45K at Empire Hyundai of New Rochelle in New Rochelle, NY. ...View More Details

Sales Price:	$44,987
Est. Payment:	$841.02 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,847
Location:	New Rochelle, NY

Item	Amount
Used Car Price⁽¹⁾	$44,987.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	4,001.51
Avg. DMV Fee	86.00
Cash Sale Price	$49,149.51
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	$49,149.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$841.02

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,987.00. 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 Acura MDX SH-AWD w/A-SPEC

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This low mileage second hand 2023 Acura MDX SH-AWD w/A-SPEC AWD SUV under 24,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $44K at Genesis OF Buffalo in Buffalo, NY. ...View More Details

Sales Price:	$43,850
Est. Payment:	$819.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,636
Location:	Buffalo, NY

Item	Amount
Used Car Price⁽¹⁾	$43,850.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,900.54
Avg. DMV Fee	86.00
Cash Sale Price	$47,911.54
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	$47,911.54
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$819.84

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,850.00. 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 BMW 5 Series 540i xDrive

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This low mileage certified preowned 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 Finance Payment	$822.63

(1) Car Finance 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 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.

2024 Toyota Grand Highlander XLE

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This low mileage second hand 2024 Toyota Grand Highlander XLE AWD SUV under 15,000 miles, automatic transmission, and 22 MPG, 2.4L gas engine is for sale right now below $44K at Millennium Hyundai in Hempstead, NY. ...View More Details

Sales Price:	$43,995
Est. Payment:	$822.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,409
Location:	Hempstead, NY

Item	Amount
Used Car Price⁽¹⁾	$43,995.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,913.42
Avg. DMV Fee	86.00
Cash Sale Price	$48,069.42
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	$48,069.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$822.54

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,995.00. 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.

2025 Hyundai PALISADE XRT

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This low mileage certified preowned 2025 Hyundai PALISADE XRT AWD SUV below 4,000 miles, automatic transmission, and 22 MPG, 3.8L gas engine is for sale right now below $41K at Hyundai of 110 in Farmingdale, NY. ...View More Details

Sales Price:	$40,999
Est. Payment:	$766.72 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,180
Location:	Farmingdale, NY

Item	Amount
Used Car Price⁽¹⁾	$40,999.00
Avg. Dealer Doc Fee	75.00
NY Sales Tax (8.88%)	3,647.37
Avg. DMV Fee	86.00
Cash Sale Price	$44,807.37
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	$44,807.37
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$766.72

(1) Car Finance calculations are based on the used car dealer's advertised price of $40,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

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

New York Secondhand Used Vehicles Priced Below $45,000

2023 Ford F-150 XLT

2025 Honda Pilot Touring

2024 Cadillac XT6 Premium Luxury

2025 Hyundai SANTA FE Hybrid Calligraphy

2024 BMW X5 xDrive40i

2025 Land Rover Range Rover Velar P250 Dynamic SE

2023 Acura MDX SH-AWD w/A-SPEC

2023 BMW 5 Series 540i xDrive

2024 Toyota Grand Highlander XLE

2025 Hyundai PALISADE XRT

New York Areas with Used Cars for Sale Below $45,000

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

New York Secondhand Used Vehicles Priced Below $45,000

2023 Ford F-150 XLT

Ford F-150 XLT

2023 Ford F-150 XLT Car Loan Estimate

2025 Honda Pilot Touring

Honda Pilot Touring

2025 Honda Pilot Touring Car Loan Estimate

2024 Cadillac XT6 Premium Luxury

Cadillac XT6 Premium Luxury

2024 Cadillac XT6 Premium Luxury Car Loan Estimate

2025 Hyundai SANTA FE Hybrid Calligraphy

Hyundai SANTA FE Hybrid Calligraphy

2025 Hyundai SANTA FE Hybrid Calligraphy Car Loan Estimate

2024 BMW X5 xDrive40i

BMW X5 xDrive40i

2024 BMW X5 xDrive40i Car Loan Estimate

2025 Land Rover Range Rover Velar P250 Dynamic SE

Land Rover Range Rover Velar P250 Dynamic SE

2025 Land Rover Range Rover Velar P250 Dynamic SE Car Loan Estimate

2023 Acura MDX SH-AWD w/A-SPEC

Acura MDX SH-AWD w/A-SPEC

2023 Acura MDX SH-AWD w/A-SPEC Car Loan Estimate

2023 BMW 5 Series 540i xDrive

BMW 5 Series 540i xDrive

2023 BMW 5 Series 540i xDrive Car Loan Estimate

2024 Toyota Grand Highlander XLE

Toyota Grand Highlander XLE

2024 Toyota Grand Highlander XLE Car Loan Estimate

2025 Hyundai PALISADE XRT

Hyundai PALISADE XRT

2025 Hyundai PALISADE XRT Car Loan Estimate

New York Areas with Used Cars for Sale Below $45,000

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