Metro Dayton, OH Area Used Cars Under $400 a Month

2018 Chevrolet Malibu LT

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This above average mileage second hand 2018 Chevrolet Malibu LT FWD sedan under 91,000 miles, a transmission, and 1.5L gas engine is for sale right now below $13K at Kerns Ford, Inc. in Celina, OH. ...View More Details

Sales Price:	$12,573
Est. Payment:	$374.61 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,128
Location:	Celina, OH

Item	Amount
Used Car Price⁽¹⁾	$12,573.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,025.84
Avg. DMV Fee	39.00
Cash Sale Price	$13,887.84
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	$13,887.84
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$374.61

(1) Car Finance calculations are based on the used car dealer's advertised price of $12,573.00. 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 42 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.

2020 Chevrolet Equinox LT

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This below average mileage second hand 2020 Chevrolet Equinox LT 4X4 SUV under 62,000 miles, a transmission, and 1.5L gas engine is for sale right now under $17K at Kerns Ford, Inc. in Celina, OH. ...View More Details

Sales Price:	$16,279
Est. Payment:	$355.35 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	62,310
Location:	Celina, OH

Item	Amount
Used Car Price⁽¹⁾	$16,279.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,322.32
Avg. DMV Fee	39.00
Cash Sale Price	$17,890.32
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	$17,890.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Loan Payment	$355.35

(1) Car Loan calculations are based on the used car dealer's advertised price of $16,279.00. 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 60 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 Kia K4 LXS

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This low mileage second hand 2025 Kia K4 LXS FWD sedan below 27,000 miles, cvt transmission, and 2.0L gas engine is for sale right now below $21K at Beau Townsend Ford in Vandalia, OH. ...View More Details

Sales Price:	$20,995
Est. Payment:	$393.28 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,542
Location:	Vandalia, OH

Item	Amount
Used Car Price⁽¹⁾	$20,995.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,699.60
Avg. DMV Fee	39.00
Cash Sale Price	$22,983.60
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	$22,983.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$393.28

(1) Car Loan calculations are based on the used car dealer's advertised price of $20,995.00. 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.

2025 Chevrolet Trax LT

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This low mileage second hand 2025 Chevrolet Trax LT FWD wagon below 33,000 miles, a transmission, and 1.2L flexible engine is for sale right now under $22K at Germain Ford of Beavercreek in Dayton, OH. ...View More Details

Sales Price:	$21,433
Est. Payment:	$401.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	32,772
Location:	Dayton, OH

Item	Amount
Used Car Price⁽¹⁾	$21,433.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,734.64
Avg. DMV Fee	39.00
Cash Sale Price	$23,456.64
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	$23,456.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$401.38

(1) Car Finance calculations are based on the used car dealer's advertised price of $21,433.00. 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.

2019 Kia Optima LX

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This average mileage preowned 2019 Kia Optima LX FWD sedan below 84,000 miles, a transmission, and 2.4L gas engine is for sale right now below $14K at Beau Townsend Ford in Vandalia, OH. ...View More Details

Sales Price:	$13,995
Est. Payment:	$370.27 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	83,555
Location:	Vandalia, OH

Item	Amount
Used Car Price⁽¹⁾	$13,995.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,139.60
Avg. DMV Fee	39.00
Cash Sale Price	$15,423.60
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	$15,423.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$370.27

(1) Auto Loan calculations are based on the used car dealer's advertised price of $13,995.00. 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 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.

2018 Ford Escape SEL

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This above average mileage second hand 2018 Ford Escape SEL FWD SUV under 97,000 miles, a transmission, and 1.5L gas engine is for sale right now under $12K at Kerns Ford, Inc. in Celina, OH. ...View More Details

Sales Price:	$11,774
Est. Payment:	$351.34 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	96,684
Location:	Celina, OH

Item	Amount
Used Car Price⁽¹⁾	$11,774.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	961.92
Avg. DMV Fee	39.00
Cash Sale Price	$13,024.92
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	$13,024.92
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$351.34

(1) Car Finance calculations are based on the used car dealer's advertised price of $11,774.00. 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 42 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 Nissan Sentra SV

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This low mileage preowned 2024 Nissan Sentra SV FWD sedan under 29,000 miles, cvt transmission, and 2.0L gas engine is for sale right now under $22K at Beau Townsend Ford in Vandalia, OH. ...View More Details

Sales Price:	$21,583
Est. Payment:	$404.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,390
Location:	Vandalia, OH

Item	Amount
Used Car Price⁽¹⁾	$21,583.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,746.64
Avg. DMV Fee	39.00
Cash Sale Price	$23,618.64
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	$23,618.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$404.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $21,583.00. 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.

2021 Chevrolet Equinox Premier

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This low mileage used 2021 Chevrolet Equinox Premier 4X4 SUV below 41,000 miles, a transmission, and 1.5L gas engine is for sale right now under $20K at Kerns Ford, Inc. in Celina, OH. ...View More Details

Sales Price:	$19,280
Est. Payment:	$361.59 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,190
Location:	Celina, OH

Item	Amount
Used Car Price⁽¹⁾	$19,280.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,562.40
Avg. DMV Fee	39.00
Cash Sale Price	$21,131.40
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	$21,131.40
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$361.59

(1) Car Finance calculations are based on the used car dealer's advertised price of $19,280.00. 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.

2004 Ford Thunderbird Deluxe

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This low mileage used 2004 Ford Thunderbird Deluxe RWD convertible below 19,000 miles, a transmission, and 3.9L gas engine is for sale right now under $20K at Germain Ford of Beavercreek in Dayton, OH. ...View More Details

Sales Price:	$19,433
Est. Payment:	$364.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,465
Location:	Dayton, OH

Item	Amount
Used Car Price⁽¹⁾	$19,433.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,574.64
Avg. DMV Fee	39.00
Cash Sale Price	$21,296.64
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	$21,296.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$364.42

(1) Auto Finance calculations are based on the used car dealer's advertised price of $19,433.00. 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 ELANTRA SEL Convenience

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This low mileage used 2025 Hyundai ELANTRA SEL Convenience FWD sedan under 22,000 miles, cvt transmission, and 2.0L gas engine is for sale right now below $21K at Kerns Ford, Inc. in Celina, OH. ...View More Details

Sales Price:	$20,986
Est. Payment:	$393.12 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,130
Location:	Celina, OH

Item	Amount
Used Car Price⁽¹⁾	$20,986.00
Avg. Dealer Doc Fee	250.00
OH Sales Tax (8%)	1,698.88
Avg. DMV Fee	39.00
Cash Sale Price	$22,973.88
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	$22,973.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$393.12

(1) Auto Loan calculations are based on the used car dealer's advertised price of $20,986.00. 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 $400 per month for Sale in the Greater Dayton Area

Metro Dayton Secondhand Used Vehicles with Payments Under $400 / Month

2018 Chevrolet Malibu LT

2020 Chevrolet Equinox LT

2025 Kia K4 LXS

2025 Chevrolet Trax LT

2019 Kia Optima LX

2018 Ford Escape SEL

2024 Nissan Sentra SV

2021 Chevrolet Equinox Premier

2004 Ford Thunderbird Deluxe

2025 Hyundai ELANTRA SEL Convenience

Greater Dayton Area Cities with Used Cars for Sale Below $400 / Month

Metro Dayton Area Counties with Used Cars for Sale Below $400 / Month

Used Cars under $400 per month for Sale in the Greater Dayton Area

Metro Dayton Secondhand Used Vehicles with Payments Under $400 / Month

2018 Chevrolet Malibu LT

Chevrolet Malibu LT

2018 Chevrolet Malibu LT Car Loan Estimate

2020 Chevrolet Equinox LT

Chevrolet Equinox LT

2020 Chevrolet Equinox LT Car Loan Estimate

2025 Kia K4 LXS

Kia K4 LXS

2025 Kia K4 LXS Car Loan Estimate

2025 Chevrolet Trax LT

Chevrolet Trax LT

2025 Chevrolet Trax LT Car Loan Estimate

2019 Kia Optima LX

Kia Optima LX

2019 Kia Optima LX Car Loan Estimate

2018 Ford Escape SEL

Ford Escape SEL

2018 Ford Escape SEL Car Loan Estimate

2024 Nissan Sentra SV

Nissan Sentra SV

2024 Nissan Sentra SV Car Loan Estimate

2021 Chevrolet Equinox Premier

Chevrolet Equinox Premier

2021 Chevrolet Equinox Premier Car Loan Estimate

2004 Ford Thunderbird Deluxe

Ford Thunderbird Deluxe

2004 Ford Thunderbird Deluxe Car Loan Estimate

2025 Hyundai ELANTRA SEL Convenience

Hyundai ELANTRA SEL Convenience

2025 Hyundai ELANTRA SEL Convenience Car Loan Estimate

Greater Dayton Area Cities with Used Cars for Sale Below $400 / Month

Metro Dayton Area Counties with Used Cars for Sale Below $400 / Month

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