Charlottesville, VA Used Cars Under $40,000 |with Payments|

2026 Kia Sorento EX

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This low mileage second hand 2026 Kia Sorento EX FWD SUV below 3,000 miles, a transmission, and 24 MPG, 2.5L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,199
Est. Payment:	$692.96 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,353
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,199.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,645.86
Avg. DMV Fee	53.00
Cash Sale Price	$40,496.86
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	$40,496.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$692.96

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,199.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Jeep Wrangler Sport

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This low mileage preowned 2024 Jeep Wrangler Sport 4X4 SUV below 20,000 miles, transmission, and 24 MPG, 3.6L gas engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,988
Est. Payment:	$689.10 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,717
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,631.09
Avg. DMV Fee	53.00
Cash Sale Price	$40,271.09
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	$40,271.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$689.10

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,988.00. 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 Toyota RAV4 Hybrid XLE

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This low mileage preowned 2025 Toyota RAV4 Hybrid XLE AWD SUV under 23,000 miles, cvt transmission, and 24 MPG, 2.5L hybrid engine is for sale right now below $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,099
Est. Payment:	$709.44 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,086
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,099.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,708.86
Avg. DMV Fee	53.00
Cash Sale Price	$41,459.86
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	$41,459.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$709.44

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,099.00. 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 Toyota Highlander LE

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This low mileage second hand 2023 Toyota Highlander LE FWD SUV under 48,000 miles, a transmission, and 24 MPG, 2.4L gas engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,799
Est. Payment:	$685.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,799
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,799.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,617.86
Avg. DMV Fee	53.00
Cash Sale Price	$40,068.86
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	$40,068.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$685.64

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,799.00. 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 Toyota Sienna XLE 8-Passenger

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This above average mileage second hand 2023 Toyota Sienna XLE 8-Passenger FWD mini-van under 92,000 miles, cvt transmission, and 24 MPG, 2.5L hybrid engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,677
Est. Payment:	$1077.30 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,900
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,677.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,609.32
Avg. DMV Fee	53.00
Cash Sale Price	$39,938.32
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	$39,938.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1077.30

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,677.00. 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 42 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 Ford Explorer ST-Line

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This low mileage used 2025 Ford Explorer ST-Line AWD SUV below 27,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,899
Est. Payment:	$705.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,568
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,899.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,694.86
Avg. DMV Fee	53.00
Cash Sale Price	$41,245.86
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	$41,245.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$705.78

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,899.00. 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.

2022 Toyota 4Runner TRD Off-Road Premium

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This above average mileage preowned 2022 Toyota 4Runner TRD Off-Road Premium 4X4 SUV under 99,000 miles, a transmission, and 24 MPG, 4.0L gas engine is for sale right now below $36K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$35,888
Est. Payment:	$1054.53 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	98,876
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$35,888.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,554.09
Avg. DMV Fee	53.00
Cash Sale Price	$39,094.09
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	$39,094.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Loan Payment	$1054.53

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,888.00. 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 42 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 Ford Explorer ST-Line

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This low mileage preowned 2025 Ford Explorer ST-Line AWD SUV below 24,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now below $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,599
Est. Payment:	$718.60 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,078
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,599.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,743.86
Avg. DMV Fee	53.00
Cash Sale Price	$41,994.86
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	$41,994.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$718.60

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,599.00. 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.

2022 Lexus RX 350 Base

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This average mileage used 2022 Lexus RX 350 Base AWD SUV under 81,000 miles, a transmission, and 24 MPG, 3.5L gas engine is for sale right now below $36K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$35,499
Est. Payment:	$928.52 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	80,648
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$35,499.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,526.86
Avg. DMV Fee	53.00
Cash Sale Price	$38,677.86
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	$38,677.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Finance Payment	$928.52

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,499.00. 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.

2025 Ford Explorer ST-Line

⇩ View Seller Description

This low mileage preowned 2025 Ford Explorer ST-Line AWD SUV below 21,000 miles, a transmission, and 24 MPG, 2.3L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,988
Est. Payment:	$707.41 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,790
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,988.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,701.09
Avg. DMV Fee	53.00
Cash Sale Price	$41,341.09
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	$41,341.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$707.41

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,988.00. 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.

Used Cars under $40,000 for Sale in Charlottesville, VA

Charlottesville, VA Secondhand Used Vehicles Priced Below $40,000

2026 Kia Sorento EX

2024 Jeep Wrangler Sport

2025 Toyota RAV4 Hybrid XLE

2023 Toyota Highlander LE

2023 Toyota Sienna XLE 8-Passenger

2025 Ford Explorer ST-Line

2022 Toyota 4Runner TRD Off-Road Premium

2025 Ford Explorer ST-Line

2022 Lexus RX 350 Base

2025 Ford Explorer ST-Line

Used Cars under $40,000 for Sale in Charlottesville, VA

Charlottesville, VA Secondhand Used Vehicles Priced Below $40,000

2026 Kia Sorento EX

Kia Sorento EX

2026 Kia Sorento EX Car Loan Estimate

2024 Jeep Wrangler Sport

Jeep Wrangler Sport

2024 Jeep Wrangler Sport Car Loan Estimate

2025 Toyota RAV4 Hybrid XLE

Toyota RAV4 Hybrid XLE

2025 Toyota RAV4 Hybrid XLE Car Loan Estimate

2023 Toyota Highlander LE

Toyota Highlander LE

2023 Toyota Highlander LE Car Loan Estimate

2023 Toyota Sienna XLE 8-Passenger

Toyota Sienna XLE 8-Passenger

2023 Toyota Sienna XLE 8-Passenger Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2022 Toyota 4Runner TRD Off-Road Premium

Toyota 4Runner TRD Off-Road Premium

2022 Toyota 4Runner TRD Off-Road Premium Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2022 Lexus RX 350 Base

Lexus RX 350 Base

2022 Lexus RX 350 Base Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

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