Gainesville, TX Used Cars Under $20,000 |with Payments|

2025 Kia Soul S

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This low mileage second hand 2025 Kia Soul S FWD hatchback below 30,000 miles, cvt transmission, and 27 MPG, 2.0L gas engine is for sale right now below $16K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$16,000
Est. Payment:	$300.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,095
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$16,000.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,332.38
Avg. DMV Fee	94.00
Cash Sale Price	$17,576.38
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	$17,576.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$300.76

(1) Car Loan calculations are based on the used car dealer's advertised price of $16,000.00. 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.

2020 Jeep Renegade Latitude

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This low mileage second hand 2020 Jeep Renegade Latitude FWD SUV below 46,000 miles, automatic transmission, and 27 MPG, 2.4L gas engine is for sale right now below $17K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$17,000
Est. Payment:	$319.28 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	45,703
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$17,000.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,414.88
Avg. DMV Fee	94.00
Cash Sale Price	$18,658.88
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	$18,658.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$319.28

(1) Car Finance calculations are based on the used car dealer's advertised price of $17,000.00. 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.

2021 Buick Encore GX Essence

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This low mileage used 2021 Buick Encore GX Essence FWD SUV under 59,000 miles, cvt transmission, and 27 MPG, 1.3L gas engine is for sale right now below $18K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$18,000
Est. Payment:	$362.46 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,824
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$18,000.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,497.38
Avg. DMV Fee	94.00
Cash Sale Price	$19,741.38
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	$19,741.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$362.46

(1) Car Finance calculations are based on the used car dealer's advertised price of $18,000.00. 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 66 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 Ford Explorer XLT

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This average mileage used 2020 Ford Explorer XLT RWD SUV below 87,000 miles, automatic transmission, and 27 MPG, 2.3L gas engine is for sale right now under $20K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$19,500
Est. Payment:	$512.90 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	86,560
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$19,500.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,621.13
Avg. DMV Fee	94.00
Cash Sale Price	$21,365.13
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	$21,365.13
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$512.90

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,500.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

2015 Ram 1500 Big Horn

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This average mileage used 2015 Ram 1500 Big Horn RWD pickup under 89,000 miles, automatic transmission, and 27 MPG, 5.7L gas engine is for sale right now below $19K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$18,850
Est. Payment:	$496.01 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	89,180
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$18,850.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,567.50
Avg. DMV Fee	94.00
Cash Sale Price	$20,661.50
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	$20,661.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Finance Payment	$496.01

(1) Auto Finance calculations are based on the used car dealer's advertised price of $18,850.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 48 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.

2015 Ford F-150 Platinum

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This high mileage used 2015 Ford F-150 Platinum 4x4 pickup below 169,000 miles, automatic transmission, and 27 MPG, 5.0L gas engine is for sale right now below $15K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$15,000
Est. Payment:	$601.88 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	168,909
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$15,000.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,249.88
Avg. DMV Fee	94.00
Cash Sale Price	$16,493.88
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	$16,493.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Auto Finance Payment	$601.88

(1) Auto Finance calculations are based on the used car dealer's advertised price of $15,000.00. 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 30 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.

2019 Volvo XC90 T6 Inscription

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This average mileage preowned 2019 Volvo XC90 T6 Inscription AWD SUV below 88,000 miles, automatic transmission, and 27 MPG, 2.0L gas engine is for sale right now below $20K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$19,750
Est. Payment:	$519.40 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	87,658
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$19,750.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,641.75
Avg. DMV Fee	94.00
Cash Sale Price	$21,635.75
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	$21,635.75
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$519.40

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,750.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

2017 Jeep Wrangler Sahara

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This above average mileage used 2017 Jeep Wrangler Sahara 4x4 SUV below 92,000 miles, transmission, and 27 MPG, 3.6L gas engine is for sale right now below $19K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$18,750
Est. Payment:	$554.41 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,963
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$18,750.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,559.25
Avg. DMV Fee	94.00
Cash Sale Price	$20,553.25
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	$20,553.25
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Finance Payment	$554.41

(1) Auto Finance calculations are based on the used car dealer's advertised price of $18,750.00. 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 130%.

(3) Auto Finance Interest rate of 7.13% APR and 42 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.

2022 Ford Bronco Sport Big Bend

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This average mileage preowned 2022 Ford Bronco Sport Big Bend AWD SUV under 82,000 miles, automatic transmission, and 27 MPG, 1.5L gas engine is for sale right now under $20K at Glenn Polk Ford in Gainesville, TX. ...View More Details

Sales Price:	$20,000
Est. Payment:	$525.90 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	81,671
Location:	Gainesville, TX

Item	Amount
Used Car Price⁽¹⁾	$20,000.00
Avg. Dealer Doc Fee	150.00
TX Sales Tax (8.25%)	1,662.38
Avg. DMV Fee	94.00
Cash Sale Price	$21,906.38
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	$21,906.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$525.90

(1) Car Finance calculations are based on the used car dealer's advertised price of $20,000.00. 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 48 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 $20,000 for Sale in Gainesville, TX

Gainesville, TX Secondhand Used Vehicles Priced Below $20,000

2025 Kia Soul S

2020 Jeep Renegade Latitude

2021 Buick Encore GX Essence

2020 Ford Explorer XLT

2015 Ram 1500 Big Horn

2015 Ford F-150 Platinum

2019 Volvo XC90 T6 Inscription

2017 Jeep Wrangler Sahara

2022 Ford Bronco Sport Big Bend

Used Cars under $20,000 for Sale in Gainesville, TX

Gainesville, TX Secondhand Used Vehicles Priced Below $20,000

2025 Kia Soul S

Kia Soul S

2025 Kia Soul S Car Loan Estimate

2020 Jeep Renegade Latitude

Jeep Renegade Latitude

2020 Jeep Renegade Latitude Car Loan Estimate

2021 Buick Encore GX Essence

Buick Encore GX Essence

2021 Buick Encore GX Essence Car Loan Estimate

2020 Ford Explorer XLT

Ford Explorer XLT

2020 Ford Explorer XLT Car Loan Estimate

2015 Ram 1500 Big Horn

Ram 1500 Big Horn

2015 Ram 1500 Big Horn Car Loan Estimate

2015 Ford F-150 Platinum

Ford F-150 Platinum

2015 Ford F-150 Platinum Car Loan Estimate

2019 Volvo XC90 T6 Inscription

Volvo XC90 T6 Inscription

2019 Volvo XC90 T6 Inscription Car Loan Estimate

2017 Jeep Wrangler Sahara

Jeep Wrangler Sahara

2017 Jeep Wrangler Sahara Car Loan Estimate

2022 Ford Bronco Sport Big Bend

Ford Bronco Sport Big Bend

2022 Ford Bronco Sport Big Bend Car Loan Estimate

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