Charlottesville, VA Area Used Cars Under $40,000

2021 Ford F-150 XL

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This average mileage preowned 2021 Ford F-150 XL 4x4 pickup below 86,000 miles, automatic transmission, and 21 MPG, 3.5L gas engine is for sale right now under $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,995
Est. Payment:	$1018.33 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	86,100
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,771.58
Avg. DMV Fee	53.00
Cash Sale Price	$42,418.58
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	$42,418.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Auto Finance Payment	$1018.33

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

2023 Toyota Highlander L

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This low mileage second hand 2023 Toyota Highlander L FWD SUV under 48,000 miles, automatic transmission, and 21 MPG, 2.4L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,495
Est. Payment:	$698.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,799
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,495.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,666.58
Avg. DMV Fee	53.00
Cash Sale Price	$40,813.58
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	$40,813.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$698.38

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,495.00. 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 Ford Explorer ST-Line

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This low mileage second hand 2025 Ford Explorer ST-Line AWD SUV under 27,000 miles, automatic transmission, and 21 MPG, 2.3L gas engine is for sale right now under $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,417
Est. Payment:	$715.26 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,568
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,417.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,731.12
Avg. DMV Fee	53.00
Cash Sale Price	$41,800.12
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	$41,800.12
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$715.26

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,417.00. 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 Ford Explorer Timberline

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This low mileage preowned 2023 Ford Explorer Timberline AWD SUV below 41,000 miles, automatic transmission, and 21 MPG, 2.3L gas engine is for sale right now below $36K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$35,995
Est. Payment:	$670.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,475
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$35,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,561.58
Avg. DMV Fee	53.00
Cash Sale Price	$39,208.58
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	$39,208.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$670.92

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,995.00. 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.

2024 Ford Expedition XLT

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This average mileage second hand 2024 Ford Expedition XLT 4x4 SUV below 74,000 miles, automatic transmission, and 21 MPG, 3.5L gas engine is for sale right now below $40K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$39,995
Est. Payment:	$943.81 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	73,661
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$39,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,841.58
Avg. DMV Fee	53.00
Cash Sale Price	$43,488.58
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	$43,488.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Loan Payment	$943.81

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,995.00. 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 54 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 Toyota RAV4 Hybrid XLE

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This low mileage second hand 2025 Toyota RAV4 Hybrid XLE AWD SUV below 23,000 miles, cvt transmission, and 21 MPG, 2.5L hybrid engine is for sale right now below $39K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$38,695
Est. Payment:	$720.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,086
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$38,695.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,750.58
Avg. DMV Fee	53.00
Cash Sale Price	$42,097.58
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	$42,097.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$720.35

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,695.00. 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 preowned 2023 Toyota Sienna XLE 8-Passenger FWD minivan below 92,000 miles, cvt transmission, and 21 MPG, 2.5L hybrid engine is for sale right now below $37K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$36,995
Est. Payment:	$1086.48 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,900
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$36,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,631.58
Avg. DMV Fee	53.00
Cash Sale Price	$40,278.58
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	$40,278.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1086.48

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,995.00. 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 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.

2023 Ford Explorer Timberline

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This low mileage used 2023 Ford Explorer Timberline AWD SUV below 47,000 miles, automatic transmission, and 21 MPG, 2.3L gas engine is for sale right now below $36K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$35,995
Est. Payment:	$670.92 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	46,687
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$35,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,561.58
Avg. DMV Fee	53.00
Cash Sale Price	$39,208.58
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	$39,208.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$670.92

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,995.00. 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.

2023 Lincoln Aviator Standard

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This low mileage preowned 2023 Lincoln Aviator Standard AWD SUV under 58,000 miles, automatic transmission, and 21 MPG, 3.0L gas engine is for sale right now under $38K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$37,995
Est. Payment:	$759.18 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,300
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$37,995.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,701.58
Avg. DMV Fee	53.00
Cash Sale Price	$41,348.58
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	$41,348.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$759.18

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,995.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 66 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 F-150 XLT

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This low mileage used 2025 Ford F-150 XLT 4x4 pickup below 30,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now below $40K at Malloy Ford in Charlottesville, VA. ...View More Details

Sales Price:	$39,999
Est. Payment:	$744.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	30,463
Location:	Charlottesville, VA

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	599.00
VA Sales Tax (7%)	2,841.86
Avg. DMV Fee	53.00
Cash Sale Price	$43,492.86
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	$43,492.86
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$744.23

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,999.00. 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 $40,000 for Sale in the Greater Charlottesville Area

Metro Charlottesville Secondhand Used Vehicles Priced Below $40,000

2021 Ford F-150 XL

2023 Toyota Highlander L

2025 Ford Explorer ST-Line

2023 Ford Explorer Timberline

2024 Ford Expedition XLT

2025 Toyota RAV4 Hybrid XLE

2023 Toyota Sienna XLE 8-Passenger

2023 Ford Explorer Timberline

2023 Lincoln Aviator Standard

2025 Ford F-150 XLT

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

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

2023 Toyota Highlander L

Toyota Highlander L

2023 Toyota Highlander L Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2023 Ford Explorer Timberline

Ford Explorer Timberline

2023 Ford Explorer Timberline Car Loan Estimate

2024 Ford Expedition XLT

Ford Expedition XLT

2024 Ford Expedition XLT Car Loan Estimate

2025 Toyota RAV4 Hybrid XLE

Toyota RAV4 Hybrid XLE

2025 Toyota RAV4 Hybrid XLE Car Loan Estimate

2023 Toyota Sienna XLE 8-Passenger

Toyota Sienna XLE 8-Passenger

2023 Toyota Sienna XLE 8-Passenger Car Loan Estimate

2023 Ford Explorer Timberline

Ford Explorer Timberline

2023 Ford Explorer Timberline Car Loan Estimate

2023 Lincoln Aviator Standard

Lincoln Aviator Standard

2023 Lincoln Aviator Standard Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT 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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