Used Cars Under $20,000

Used Cars For Sale For Under $20,000 at Bad Credit Dealers in PA

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Exterior: 
Green
Interior: 
Beige 
Mileage:
125,168
Engine:
2.5L
Model #: 
OUTBACK
VIN:
4S3BH6659Y7620615
Stock #:
SV4024A
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Price:  
$4,573
This all wheel drive 2000 Subaru Legacy Wagon 2.5 features a Green exterior with a Beige interior and has only 125,168 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This used Subaru Legacy Wagon...   Read More
Exterior: 
Gold
Interior: 
Dark Khaki/light Graystone 
Mileage:
153,936
Engine:
3.8L
Model #: 
RSYP53
VIN:
2C8GP54L75R126735
Stock #:
SV3887A
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Price:  
$4,580
DESIRABLE FEATURES: 3rd row seat, Power Liftgate, Premium Sound, and Remote Entry.This front wheel drive 2005 Chrysler Town & Country Touring features a Linen Gold Metallic Clearcoat exterior with a Dark Khaki/light Graystone interior and has only 153,936 miles. Bob Ruth Ford offers 3 months of...   Read More
Exterior: 
Silver
Interior: 
Aero Gray 
Mileage:
148,603
Engine:
3.8L
Model #: 
7B13B3
VIN:
2V8HW34169R554477
Stock #:
SV3786A
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Price:  
$4,936
DESIRABLE FEATURES: 3rd row seat, Premium Sound, and Remote Entry.This front wheel drive 2009 Volkswagen Routan SE features a Silver exterior with a Aero Gray interior and has only 148,603 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with...   Read More
Exterior: 
Green
Interior: 
Dove 
Mileage:
116,155
Engine:
4.6L
Model #: 
M81
VIN:
1LNHM81W94Y604173
Stock #:
BV1081A
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Price:  
$4,985
This rear wheel drive used 2004 Lincoln Town Car Signature features a Mint Green exterior with a Dove interior and has only 116,155 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This Lincoln Town...   Read More
Exterior: 
Black
Interior: 
Medium Dark Flint 
Mileage:
121,768
Engine:
3.0L
Model #: 
R10
VIN:
1FTYR10U05PB09221
Stock #:
PV10747A1
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Price:  
$6,374
This rear wheel drive used 2005 Ford Ranger Edge features a Black Clearcoat exterior with a Medium Dark Flint interior and has only 121,768 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This Ford...   Read More
Exterior: 
Red
Interior: 
Dark Charcoal 
Mileage:
147,094
Engine:
4.0L
Model #: 
T80
VIN:
1ZVFT80N955238416
Stock #:
SV3905A
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Price:  
$6,577
DESIRABLE FEATURES: Alloy Wheels, Remote Entry, and Premium Sound.This rear wheel drive used 2005 Ford Mustang V6 Premium features a Red exterior with a Dark Charcoal interior and has only 147,094 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped...   Read More
Exterior: 
Black
Interior: 
Saddle Leather
Mileage:
154,988
Engine:
3.5L
Model #: 
YF1865JNW
VIN:
5FNYF18685B004970
Stock #:
BV1086A
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Price:  
$6,949
DESIRABLE FEATURES: DVD, Leather, 3rd row seat, Alloy Wheels, and Remote Entry.This all wheel drive used 2005 Honda Pilot EX-L with RES features a Nighthawk Black Pearl exterior with a Saddle interior and has only 154,988 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on...   Read More
Exterior: 
Black
Interior: 
Macadamia 
Mileage:
170,118
Engine:
3.5L
Model #: 
ML350
VIN:
4JGBB86E48A336420
Stock #:
C07718A
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Price:  
$6,956
This four wheel drive 2008 Mercedes-benz M-class 3.5L features a Black exterior with a Macadamia interior and has only 170,118 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES: This used Mercedes-benz...   Read More
Exterior: 
Silver
Interior: 
Dark Charcoal 
Mileage:
147,042
Engine:
4.0L
Model #: 
T80
VIN:
1ZVFT80N375297738
Stock #:
SV3881B
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Price:  
$6,979
This rear wheel drive 2007 Ford Mustang V6 Deluxe features a Satin Silver Clearcoat Metallic exterior with a Dark Charcoal interior and has only 147,042 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM radio.TECHNOLOGY FEATURES:...   Read More
Exterior: 
Red
Interior: 
Dark Slate Gray Interior 
Mileage:
139,637
Engine:
2.4L
Model #: 
MKJE49
VIN:
1J4NF1FB8BD164508
Stock #:
T14418A
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Price:  
$7,959
This four wheel drive used 2011 Jeep Compass Base features a Deep Cherry Red Crystal Pearlcoat exterior with a Dark Slate Gray Interior interior and has only 139,637 miles. Bob Ruth Ford offers 3 months of free Sirius/XM Satellite Radio on all used vehicles equipped with the Sirius/XM...   Read More
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Are you shopping around for an excellent used car in Harrisburg, PA? You’ve come to right place; not only do we have a stunning collection of new and used Fords, but we also have a designated section of used cars for sale under $20,000. These aren’t old, rusty vehicles either--we have modern models with exciting accessories, beautiful paint, and completely reliable engines. Don’t take our word for it, though--take one for a test drive!

Whether you need a sedan, van, SUV, or pickup truck, pay attention to our listings for used cars under $20,000. As you can imagine, they sell out quickly! If you see something you like, don’t hesitate to give us a call.

Used Cars for Sale in York, PA

We aren’t only focused on car shoppers in Harrisburg; we serve the surrounding areas as well. Are you a York, PA resident looking for a great deal on a used car? If so, we’d love to show you around our use cars dealership. We’re easily accessible from your location--just catch Old York road and follow it until you get to Highway 15. We conveniently located on the side of the highway.

If you live in nearby Carlisle, you’ll probably want to reach us via highway 74. It’s just a few minutes, and you’ll need the drive home to get acclimated to you fantastic used car! We’re also easily accessible from Mechanicsburg, Wellsville, and many other surrounding town. We’re easy to find on the map.

Secure Financing at our Used Car Dealership in Harrisburg, PA
Even though our used cars for $20,000 are already incredibly affordable, you can still apply for and receive competitive financing offers. After you’ve made a down payment, you should feel any pressure from your low monthly payments.

The fist step is to apply for financing through our easy to use online tool. Just enter your name, address, income, and employment information (as well as your drivers license number), and you’ll receive an assessment for how much credit you can receive.

If you credit is good enough, you may even qualify for some of our featured cash-back or or low APR offers.

Get a Bad Credit Car Loan, Guaranteed

Did you know that you can secure a bad credit car loan in almost every scenario? It’s true--we don’t believe that you should be denied access to a reliable car just because of financial issues in your past.

We also realize that damaged credit comes from many types of issues. You may simply be the victim of your circumstances, and you can’t do anything about that. For that reason, we always offer guaranteed bad credit car loans alongside our more traditional financing offers.

You can work with one of our finance specialists to arrive at a lender and payment plan that works for you, and in the process, you can start fixing your bad credit.

If you find yourself emerging from Chapter 7 bankruptcy, please realize that it can take 4-6 months for all of your debts to clear and your court cases to be settled. You probably won’t be able to secure a bad credit car loan until after you’ve finished the bankruptcy process. If you’ve declared Chapter 13 bankruptcy, in which you agree to pay back all of your outstanding debts and avoid having your assets liquidated, you’ll have to have your designated trustee agree that the loan is a good idea.

If you have poor credit, another way to get a loan approved is to have a close relative (who is financially stable and trustworthy) co-sign the loan. This is uncomfortable for many people, since the co-signer can be on the hook for defaulted payments. But if you have proven that you are earning a stable income and can make payments on time, it might be a viable option for you.

Save Up for a Full 20% Down Payment

The “catch” when it comes to bad credit car loans is that your interest rates will be rather high. APR for these financing deals can be up to 10% and beyond. That being said, it’s important that you avoid as much debt as possible, and you can do that by saving up for a 20% down payment.

The best way to come up for a down payment on a used car for under $20,000 is by trading in your current vehicle. You can plug your car’s information (mileage, make, model, year, list of repairs) into our Kelley Blue Book powered Value Your Trade tool, and if you are in agreement with the offer it makes, you can simply drive your used car to our dealership and we’ll buy it from you. You can immediately apply that cash towards the down payment of your new purchase, and if your former used car was in good enough shape, you may not have to spend any additional cash at all before you drive your new car home.

What Used Cars Are Available at Bob Ruth Ford

First off, Bob Ruth Ford has all of the Ford “greatest hits” on the used car lot. Keep your eyes open for a beautiful used Ford Mustang for under $20,000--they don’t last long! If you’d like a classy sedan, look out for a Ford Fusion, and if you enjoy fun compact cars, take a Ford Fusion or Ford Focus for a test drive.

We have plenty of other options as well; you’ll find used pickup trucks from Ford, Dodge, Toyota, and Chevrolet, and you can run into a Malibu, Charger, or Dodge Caravan as well. We like to keep our used car lot stocked with eclectic options that we think you’ll love, and we’ve inspected all of them to make sure you’re getting a high quality vehicle.

Do you have any questions about our used cars for sale unde $20,000? We’d love to hear from you or set up a test drive.
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