We list thousands of new and used automobiles across the USA, right in your area, starting with $100 a month car payment^ in almost every city.
How much car can I afford?
Looking for the pre-owned vehicle with a low payment you can afford has never been easier! Try out the car affordability calculator to find a comfortable monthly payment.
Car Payment Estimator
Trying to determine a car payment? Do you know how much you want to spend on a pre owned vehicle? Use our easy car payment estimator to find the perfect monthly amount.
Cars for $500 down payment near you
At UsedCarsByPayment.com you can find the best pre-owned vehicle at car shops right in your area, everywhere across the USA. Each of the automobile listings are from local car dealers. We are featuring used cars nationwide by monthly payment, or you can check out other used car listings with low monthly payments in your area.
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Finding the best deals on used cars by payment across the country is what sets us apart. It doesn't matter what your current situation is, whether you have good or bad credit, or how much of a down payment you can afford, you can find a new or used car with a payment that fits your budget. Find a car you can afford today!
Get A Pre Owned Vehicle With The Right Payment
Making sure that you find a used car with a payment you can afford is key, certainly when you're working with in a budget. Here's few things to keep in mind when shopping for an automobile with a low monthly payment:
Is it a new or certified pre-owned vehicle?
New vehicles qualify for lower rates and payments due to incentives and new car specials.
What is the mileage on the vehicle?
If the pre owned vehicle you are looking at has low miles, you will get a lower rate with lower payments.
What's your credit history?
If you have a high credit score your interest rate will be lower. Because ultimatley your payment is in line with your credit score, you will want to know what your credit score is so you know what type of vehicle you can afford.