Charlottesville, VA Area Used Cars Under $40,000

2025 Toyota RAV4 Hybrid XLE

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This low mileage preowned 2025 Toyota RAV4 Hybrid XLE AWD SUV below 23,000 miles, cvt transmission, and 26 MPG, 2.5L hybrid engine is for sale right now under $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,499
Est. Payment:	$716.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,086
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,499.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,736.86
Avg. DMV Fee	53.00
Cash Sale Price	$41,887.86
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	$41,887.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$716.76

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,499.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Ford Explorer ST-Line

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This low mileage preowned 2025 Ford Explorer ST-Line AWD SUV below 26,000 miles, automatic transmission, and 26 MPG, 2.3L gas engine is for sale right now below $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,688
Est. Payment:	$701.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,164
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,688.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,680.09
Avg. DMV Fee	53.00
Cash Sale Price	$41,020.09
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	$41,020.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$701.92

(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.

2024 Ford Expedition XLT

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This average mileage preowned 2024 Ford Expedition XLT 4x4 SUV under 74,000 miles, automatic transmission, and 26 MPG, 3.5L gas engine is for sale right now under $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,788
Est. Payment:	$915.78 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	73,661
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,788.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,757.09
Avg. DMV Fee	53.00
Cash Sale Price	$42,197.09
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	$42,197.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Finance Payment	$915.78

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,788.00. 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 54 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 Lincoln Aviator Standard

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This low mileage preowned 2023 Lincoln Aviator Standard AWD SUV below 58,000 miles, automatic transmission, and 26 MPG, 3.0L gas engine is for sale right now under $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,788
Est. Payment:	$735.46 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,300
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,788.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,617.09
Avg. DMV Fee	53.00
Cash Sale Price	$40,057.09
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	$40,057.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$735.46

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,788.00. 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 66 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 preowned 2025 Ford Explorer ST-Line AWD SUV below 21,000 miles, automatic transmission, and 26 MPG, 2.3L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,888
Est. Payment:	$705.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,790
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,888.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,694.09
Avg. DMV Fee	53.00
Cash Sale Price	$41,234.09
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	$41,234.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$705.58

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,888.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 Toyota Sienna XLE 8-Passenger

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This above average mileage second hand 2023 Toyota Sienna XLE 8-Passenger FWD minivan below 92,000 miles, cvt transmission, and 26 MPG, 2.5L hybrid engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,777
Est. Payment:	$1080.19 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,900
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,777.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,616.32
Avg. DMV Fee	53.00
Cash Sale Price	$40,045.32
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	$40,045.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Finance Payment	$1080.19

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,777.00. 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.

2025 Ford Explorer ST-Line

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This low mileage preowned 2025 Ford Explorer ST-Line AWD SUV below 24,000 miles, automatic transmission, and 26 MPG, 2.3L gas engine is for sale right now under $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,588
Est. Payment:	$718.39 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,078
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,588.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,743.09
Avg. DMV Fee	53.00
Cash Sale Price	$41,983.09
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	$41,983.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$718.39

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,588.00. 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.

2026 Kia Sorento EX

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This low mileage preowned 2026 Kia Sorento EX FWD SUV under 3,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,888
Est. Payment:	$705.58 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	3,353
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,888.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,694.09
Avg. DMV Fee	53.00
Cash Sale Price	$41,234.09
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	$41,234.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$705.58

(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 Lexus RX 350 Base

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This average mileage used 2022 Lexus RX 350 Base AWD SUV below 81,000 miles, automatic transmission, and 26 MPG, 3.5L gas engine is for sale right now below $36K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$35,788
Est. Payment:	$935.95 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	80,648
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$35,788.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,547.09
Avg. DMV Fee	53.00
Cash Sale Price	$38,987.09
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	$38,987.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Loan Payment	$935.95

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,788.00. 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.

2023 Toyota Highlander L

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This low mileage used 2023 Toyota Highlander L FWD SUV under 48,000 miles, automatic transmission, and 26 MPG, 2.4L gas engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,888
Est. Payment:	$687.27 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,799
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,888.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,624.09
Avg. DMV Fee	53.00
Cash Sale Price	$40,164.09
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	$40,164.09
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$687.27

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,888.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

Used Cars under $40,000 for Sale in the Greater Charlottesville Area

Metro Charlottesville Secondhand Used Vehicles Priced Below $40,000

2025 Toyota RAV4 Hybrid XLE

2025 Ford Explorer ST-Line

2024 Ford Expedition XLT

2023 Lincoln Aviator Standard

2025 Ford Explorer ST-Line

2023 Toyota Sienna XLE 8-Passenger

2025 Ford Explorer ST-Line

2026 Kia Sorento EX

2022 Lexus RX 350 Base

2023 Toyota Highlander L

Greater Charlottesville Area Cities with Used Cars for Sale Below $40K

Metro Charlottesville Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Charlottesville Area

Metro Charlottesville Secondhand Used Vehicles Priced Below $40,000

2025 Toyota RAV4 Hybrid XLE

Toyota RAV4 Hybrid XLE

2025 Toyota RAV4 Hybrid XLE Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2024 Ford Expedition XLT

Ford Expedition XLT

2024 Ford Expedition XLT Car Loan Estimate

2023 Lincoln Aviator Standard

Lincoln Aviator Standard

2023 Lincoln Aviator Standard Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line 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

2026 Kia Sorento EX

Kia Sorento EX

2026 Kia Sorento EX Car Loan Estimate

2022 Lexus RX 350 Base

Lexus RX 350 Base

2022 Lexus RX 350 Base Car Loan Estimate

2023 Toyota Highlander L

Toyota Highlander L

2023 Toyota Highlander L Car Loan Estimate

Greater Charlottesville Area Cities with Used Cars for Sale Below $40K

Metro Charlottesville Area Counties with Used Cars for Sale Below $40,000

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