Used Cars Under 20K$ For Sale
Find Quality Used Vehicles Priced Under $20K in North Charlotte
If you're searching for reliable and affordable used vehicles priced under $20K, Hendrick BMW Northlake in North Charlotte, NC, makes finding your ideal car simple and stress-free. Conveniently located near I-77, minutes from Lake Norman and the bustling shopping district of Northlake Mall, our dealership offers exceptional value and a premium buying experience.Explore Our Selection of Used Vehicles For Sale Under $20,000
Affordability doesn't mean compromising on quality. Our diverse inventory of used vehicles features sedans, SUVs, coupes, and more-perfect for Charlotte-area drivers who want to blend luxury, comfort, and straightforward pricing. Each pre-owned vehicle is thoroughly inspected to meet high standards of reliability, giving you immediate peace of mind.Why Choose Hendrick BMW Northlake for Your Next Pre-Owned Vehicle?
Buying a pre-owned vehicle at Hendrick BMW Northlake means peace of mind, savings, and long-term reliability. Every vehicle undergoes rigorous quality checks, and many qualify as Certified Pre-Owned (CPO), offering extended warranty protection and detailed CarFax reports. That means no surprises, just satisfaction and peace of mind every mile.Explore Flexible Financing Options Available At Our Local Dealership
Even with a budget of $20,000 or less, financing your used car should never feel complicated. Our finance experts guide you every step of the way, from determining trade-in values to securing affordable payment plans. We've partnered with trusted lenders, offering solutions for diverse credit situations, even if you're rebuilding credit or purchasing your first car.Get Exceptional Service And Support At Our Service Center
Choosing us is about more than just buying a car. It's becoming part of a community committed to your long-term satisfaction. Our state-of-the-art service center ensures your pre-owned vehicle remains dependable for years, offering expert maintenance, genuine parts, and exceptional customer care.From oil changes and tire rotations to advanced diagnostics, our highly skilled technicians are here to help your vehicle run smoothly on every road from Huntersville and Cornelius to Mooresville, Concord, and Hickory.Discover Affordable Luxury Near You
Ready to explore used vehicles priced under $20K at Hendrick BMW Northlake? We invite you to browse our online inventory or visit our showroom in person. Experience firsthand why Charlotte-area drivers consistently choose us for quality pre-owned vehicles, exceptional financing, and a customer-focused approach you won't find anywhere else.
Frequently Asked Questions
Can I Trade In My Current Vehicle For A Different One?
Yes! You can trade in your current vehicle easily and straightforwardly-just use our quick online appraisal tool to estimate its value and apply that toward your next purchase.Can I Still Buy a Used Car if My Credit Isn't Perfect?
Absolutely! Our finance team specializes in helping drivers secure personalized financing solutions, including options designed specifically for buyers working to rebuild their credit.What Type of Warranty Will My Pre-Owned Vehicle Have?
Many of our pre-owned vehicles come with a limited warranty, and Certified Pre-Owned (CPO) BMWs offer additional comprehensive coverage-giving you extra confidence and peace of mind.Do You Inspect Every Vehicle Before It's Listed For Sale?
Yes, every pre-owned vehicle undergoes a thorough multi-point inspection performed by our skilled technicians to ensure safety, reliability, and quality.Can I See a Vehicle History Report Before Making a Decision?
Definitely! We provide complimentary vehicle history reports on our pre-owned inventory, allowing you to review ownership history, service records, and more before buying.Hendrick Vehicle Disclaimer
$799.00 Dealer Administrative Fee not included in advertised price.
All prices exclude all taxes, tag, title, registration fees and government fees. Out of state buyers are responsible for all taxes and government fees and title/registration fees in the state where the vehicle will be registered. All prices include all manufacturer to dealer incentives, which the dealer retains unless otherwise specifically provided. Dealer not responsible for errors and omissions; all offers subject to change without notice; please confirm listings with dealer.
All vehicles may not be physically located at this dealership but may be available for delivery through this location. Transportation charges may apply. Please contact the dealership for more specific information. All vehicles are subject to prior sale.
Monthly Disclaimers
Available on New, in-stock 2026 BMW iX and i7 models. MSRP excludes tax, title, and license. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. Purchase Credit of $7,500 is a credit against the MSRP of the vehicle purchased and available to customers who finance through BMW Financial Services NA, LLC. All credits valid through March 31, 2026. All offers are subject to dealer participation. Offers valid through March 31, 2026. Visit your authorized BMW Center for important details.
Through March 31, 2026, 0.9% APR financing for up to 60 months on new 2026 BMW 330i Sedan model is available from participating BMW dealers to well qualified customers who meet BMW Financial Services NA, LLC credit requirements. For example, with $0.00 down payment and 0.9% APR, a retail installment contract on a 2026 BMW 330i Sedan with MSRP of $53,650.00 may be repaid in 24 monthly installments of $2,256.43 or may be repaid in 60 monthly installments of $914.77. MSRP excludes tax, title, and license. Not all customers will qualify for down payment waiver or lowest rate. Other rates and payment terms available. Applicable Credits are credits against the MSRP of the vehicle purchased and available to customers who finance through BMW Financial Services NA, LLC. All credits valid through March 31, 2026. All offers are subject to dealer participation. Offers valid through March 31, 2026. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW 330i Sedan models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $479 per month for 39 months is based on an adjusted capitalized cost of $46,585 (MSRP of $53,650, including destination and handling fee of $1,350, less $3,405 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,660 and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,405 capitalized cost reduction, $479 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $30,581, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW 530i Sedan models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $619 per month for 39 months is based on an adjusted capitalized cost of $56,695 (MSRP of $65,000, including destination and handling fee of $1,450, less $4,075 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,230 and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $4,075 capitalized cost reduction, $619 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $37,700, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW i4 eDrive40 models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $499 per month for 36 months is based on an adjusted capitalized cost of $50,295 (MSRP of $60,700, including destination and handling fee of $1,350, less $3,355 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,300 and Lease Credit of $3,750). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,355 capitalized cost reduction, $499 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 30,000 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $33,385, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW iX xDrive45 models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $699 per month for 36 months is based on an adjusted capitalized cost of $64,090 (MSRP of $79,200, including destination and handling fee of $1,450, less $3,635 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $3,975 and Lease Credit of $7,500). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,635 capitalized cost reduction, $699 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.30/mile over 30,000 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $41,976, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW X1 xDrive28i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $499 per month for 39 months is based on an adjusted capitalized cost of $41,405 (MSRP of $47,200, including destination and handling fee of $1,350, less $2,905 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $1,890 and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $2,905 capitalized cost reduction, $499 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $26,432, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW X3 30 xDrive models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $569 per month for 39 months is based on an adjusted capitalized cost of $48,395 (MSRP of $55,300, including destination and handling fee of $1,350, less $3,675 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,230 and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $3,675 capitalized cost reduction, $569 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $31,521, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW X5 sDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $869 per month for 39 months is based on an adjusted capitalized cost of $64,825 (MSRP of $73,350, including destination and handling fee of $1,450, less $4,625 capitalized cost reduction, $0 security deposit, suggested dealer contribution of $2,900 and Lease Credit of $1,000). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $4,625 capitalized cost reduction, $869 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.25/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $38,142, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
Lease payment is calculated based on Manufacturer’s Suggested Retail Price for vehicle as shown and does not necessarily represent the dealer’s actual sale price. Dealer sets actual price. Lease offer available on new 2026 BMW X7 xDrive40i models from participating BMW Centers through BMW Financial Services NA, LLC, to customers who meet BMW Financial Services' credit requirements. Offer not valid in Puerto Rico. Monthly lease payments of $1,039 per month for 39 months is based on an adjusted capitalized cost of $82,925 (MSRP of $93,200, including destination and handling fee of $1,550, less $6,555 capitalized cost reduction, $0 security deposit, and suggested dealer contribution of $3,720). Actual MSRP and dealer contribution may vary and could affect your monthly lease payment. Cash due at signing includes $6,555 capitalized cost reduction, $1,039 first month's payment, $925 acquisition fee and $0 security deposit. Lessee responsible for insurance during the lease term, excess wear and tear as defined in the lease contract, $0.30/mile over 32,500 miles, plus disposition fee of up to $495 (not to exceed an amount permissible by law) at lease end. Not all customers will qualify for security deposit waiver. Tax, title, license, registration and dealer fees are additional fees due at signing. Advertised monthly payment does not include applicable taxes. Purchase option price at lease end is $49,396, plus the purchase option fee disclosed in the lease contract. Additional tax, title, and government fees may also apply. Offer valid through March 31, 2026 and may be combined with other offers unless otherwise stated. Models pictured may be shown with metallic paint and/or additional accessories. Visit your authorized BMW Center for important details.
From 1.99% APR up to 72 months at $14.75 per month per $1,000 financed applies to all 2022–2024 BMW Certified Pre-Owned iX models. No down payment is required. Offer valid through 03/31/26. Offer available from participating BMW Dealers to eligible, qualified customers with excellent credit history who meet BMW Financial Services NA, LLC credit requirements. Not all customers will qualify for the lowest rate. Other rates and terms available. All offers subject to vehicle availability. Delayed first payment is not available in PA or ME. Interest will accrue during 90-day period to first payment and will be due prior to maturity of the contract. This offer is available on all model-year 2021-2024 CPO BMW models with 36-to-72-month retail contracts financed through BMW Financial Services NA, LLC, excluding Select contracts. To be eligible, qualified customers must have excellent credit history and meet BMW Financial Services’ credit requirements. Not all customers will qualify. Other rates and terms available. All offers subject to vehicle availability. Offer valid through 03/31/26.
$1,000 towards the lease or finance of any BMW Certified Pre-Owned 2021-2024 model. Offer subject to credit approval through BMW Financial Services and verification of graduation and employment. Recent graduate means graduation from an accredited college or university with a doctorate, graduate, undergraduate, or associate degree earned within the previous 24 months, or is eligible to graduate within the next 6 months and has a verifiable offer of employment. To qualify, you must have a minimum of 6 months of credit on file and no previous derogatory credit on any credit lines. Finance and lease terms to qualifying customers are subject to approval by BMW Financial Services based on credit score, credit application, and other considerations. Offer valid through 03/31/26. See your BMW Client Advisor.
Eligible customers who finance model year 2021-2024 BMW Certified pre-owned vehicles through BMW Financial Services NA, LLC combined with a promotional APR offer can receive a $500 purchase credit. The purchase credit is available through participating BMW Centers and is applied to the negotiated purchase price of the vehicle. Promotional APR offers are available through BMW Financial Services NA, LLC and vary by model and model year. See your authorized BMW Center for important details regarding promotional APR offers on your selected BMW. Eligible customers include Active Duty, Veterans, Retirees, Reservists, their immediate family members and First Responders, including Emergency Medical Technicians, Firefighter, Law Enforcement Officers, Federal Law Enforcement Officers and Agents, and 911 Dispatchers. Qualification for the offer requires verification through ID.me to generate a Customer ID and Offer Code. Customers must take delivery by 03/31/26. Offer is subject to change without prior notice. One offer per customer, per offer code, per calendar year for BMW Certified pre-owned vehicles. Eligible customer or family member must be the purchaser. May be combined with other available offers.
BMW Certified Loyalty Credit is available for current or former customers who owned or leased a previous BMW New, BMW Certified, or BMW Pre-Owned vehicle from 04/1/21 – 03/31/26 and finance a MY2021—MY2024 BMW Certified vehicle with BMW Financial Services NA, LLC by 03/31/26. Customer does not need to trade in current vehicle to qualify for $500 credit. The BMW Certified Loyalty Credit is also extended to one additional individual residing in the same household as the qualifying customer. Proof of residency must be provided in order to receive the household loyalty offer. The BMW Certified Loyalty Credit is non-transferable to anyone outside the household of the qualifying customer. All offers are subject to credit approval.
Additional Disclaimers:
Base MSRP excludes transportation and handling charges, destination charges, taxes, title, registration, preparation and documentary fees, tags, labor and installation charges, insurance, and optional equipment, products, packages and accessories. Options, model availability and actual dealer price may vary. See dealer for details, costs and terms.
