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(405) 546-1147
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(405) 400-0435
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(405) 400-0435
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Used Inventory · Under $20,000Quick answer Carter Chevrolet in Okarche, 30 minutes from Oklahoma City, keeps a rotating group of used cars and SUVs under $20,000, with a few under $15,000. The grid and buttons on this page are live, so the prices are today’s. A $20,000 vehicle runs about $292 a month at 5.99% for 84 months with $0 down. No doc fee, no addendum, free delivery anywhere in Oklahoma.
These buttons open our used inventory already filtered to the price range, with current specials first, then lowest price. What you see is what is in stock this minute.
A $20,000 vehicle is about $292 a month at 5.99% for 84 months with nothing down; $15,000 is about $219. The table further down turns any price into a payment.
Live from our inventory: current used specials first, then lowest price. The buttons above filter by price. Click any vehicle for photos, the window sticker and the vehicle history report.
*Payment examples assume 5.99% APR for 84 months with $0 down on approved credit: 84 monthly payments of $14.60 per $1,000 financed. Excludes tax, title and license. Your rate is set by the lender and depends on credit history; GM rate support, where offered, can lower it on new vehicles. The vehicle grid and search links on this page show live inventory and today’s prices, which change when GM incentives change. Carter does not charge a doc fee or an addendum.
Trade-ins, mostly: three-to-eight-year-old sedans and compact SUVs, the occasional minivan, and now and then a higher-mileage three-row Traverse or Acadia. Every one goes through our shop before it is listed, and we will send the inspection sheet and the vehicle history report on any unit before you drive out. Under $15,000 is the thinnest part of any used inventory and ours is no different; those turn in days. If nothing fits today, tell us what you need and the budget and we will call you when the right trade comes in rather than pushing you into a payment you don’t want.
For buyers with bruised credit, these are the vehicles subprime lenders like best, because the amount financed is small. The rate will be higher than the baseline here and the lender may want about 10% down; here is how that works.
Every payment on this page is the same math: the vehicle’s internet price financed for 84 months at 5.99% APR with nothing down, which works out to $14.60 a month for every $1,000 financed. Tax, title and license go on top; every $1,000 you put down or bring in trade equity takes about $14.60 off the payment.
| Vehicle price | $0 down | $2,000 down | $5,000 down |
|---|---|---|---|
| $15,000 | $219 | $190 | $146 |
| $18,000 | $263 | $234 | $190 |
| $20,000 | $292 | $263 | $219 |
| $25,000 | $365 | $336 | $292 |
| $30,000 | $438 | $409 | $365 |
| $35,000 | $511 | $482 | $438 |
| $40,000 | $584 | $555 | $511 |
| $45,000 | $657 | $628 | $584 |
| $50,000 | $730 | $701 | $657 |
| $55,000 | $803 | $774 | $730 |
| $60,000 | $876 | $847 | $803 |
| $70,000 | $1,022 | $993 | $949 |
| $80,000 | $1,168 | $1,139 | $1,095 |
*Payment examples assume 5.99% APR for 84 months with $0 down on approved credit: 84 monthly payments of $14.60 per $1,000 financed. Excludes tax, title and license. Your rate is set by the lender and depends on credit history; GM rate support, where offered, can lower it on new vehicles. The vehicle grid and search links on this page show live inventory and today’s prices, which change when GM incentives change. Carter does not charge a doc fee or an addendum.
5.99% is a realistic baseline for a buyer with good credit, not a promise. Your rate comes from the lender, and we send one application to the right lenders among the more than 50 we work with; here is what different credit scores usually get. On new Chevys, GM’s rate support can bring it under this baseline; current programs are on the Chevrolet specials page. For a different term or down payment, use the payment calculator, or text us the stock number and we will send the payment at the rate you actually qualify for.
No doc fee, no addendum, no “market adjustment,” and the same price whether you finance with us, your credit union, or pay cash. Tax, title and license are the only things added.
Good credit, thin credit or bad credit, one application goes to the lenders most likely to approve it, and we tell you the answer and any conditions before you drive out. You can pre-qualify with no credit hit first.
Send photos and the mileage and we will give you a real number; here is how we handle negative equity.
Paperwork by e-signature, the vehicle delivered to your driveway and the trade picked up at the same visit. Most of our Oklahoma City customers never make the drive to Okarche.
Yes, usually a dozen or so at any time: sedans, compact and mid-size SUVs, and now and then a minivan or a higher-mileage three-row. The buttons at the top of this page open the live list filtered to under $20,000 and under $15,000.
About $292 a month at 5.99% APR for 84 months with nothing down, before tax, title and license. Put $2,000 down and it is about $263. A higher rate or a shorter term moves it up; our payment calculator lets you try your own numbers.
Yes. Carter does not charge a doc fee or an addendum, and the internet price is the price on the contract whether you finance with us, use your own bank or pay cash. Tax, title and license are the only additions.
Usually. Lower-priced vehicles are the easiest to get approved because the amount financed is small. We work with more than 50 lenders and more than half of them finance subprime credit; a down payment of around 10% and proof of income are the typical asks.
Yes, free, anywhere in Oklahoma. Paperwork is done by e-signature and the vehicle is delivered to your driveway, with your trade picked up at the same visit if you have one.
Yes. Every used vehicle goes through our shop before it is listed. Ask for the inspection sheet and the vehicle history report on any unit and we will send them.
Used trucks under $35,000 · SUVs by monthly payment · New Chevys under $30,000 · Bad credit financing · All used inventory
All financing subject to credit approval. Inventory shown is live and sells daily; a vehicle in the grid is in stock or arriving at Carter Chevrolet in Okarche at the time you load the page.
Text the stock number and your zip code to 405-546-1147 for the out-the-door price with tax and tags, the payment at the rate you qualify for, your trade value and a delivery date.