Get your vehicle / RV valueUsed Trucks Under $20,000 for Sale in Richmond, KY
| Sale price | $19,989 |
Used Trucks Under $20,000 in Richmond, KY
Central KY Truck and Trailer Sales is a truck dealer first, and our under-$20,000 inventory at 3585 Colonel Road in Richmond in Madison County is mostly trucks: three-quarter-ton and one-ton pickups, service-body work trucks, half-tons and cargo vans. Look for models like the Ford F-150, Ford F-250 and F-350 Super Duty, Ram 3500, Chevrolet Silverado 2500HD, GMC Sierra 2500HD and Chevrolet Express.
We're an independent dealership, not a franchise. Prices are fair, answers are straight, and buying a budget truck here should feel more like talking to a neighbor than running a gauntlet.
What $20,000 Buys on Colonel Road
Heavy-Duty Pickups
Three-quarter-ton and one-ton trucks like the F-250, F-350, Ram 3500, Silverado 2500HD and Sierra 2500HD. Under $20,000, these are usually older model years with work miles, which is how a heavy-duty truck fits a tighter budget.
Service-Body & Utility Trucks
Regular-cab trucks with utility bodies, ready for contractors, plumbers, electricians and farm work. See all commercial trucks.
Cargo Vans
Full-size vans like the Chevrolet Express for deliveries and tradespeople who need locking, weather-proof storage. Browse every cargo van.
Half-Ton Pickups
Half-ton trucks like the F-150 for daily driving, weekend hauling and lighter towing. Browse all used pickup trucks for more choices.
The occasional car comes through too. Inventory changes often, so check each listing for year, mileage, drivetrain, engine and equipment.
Stretching a $20,000 Budget
| Choice | What to weigh |
|---|---|
| Newer half-ton vs. older heavy-duty | A half-ton may be newer for the money, while an older three-quarter or one-ton gives you more capability |
| Work trim vs. upscale trim | Work trims like XL and Work Truck keep it simple, while Lariat and SLT add comfort features |
| 2WD vs. 4x4 | 4x4 helps on farm lanes, job sites and Kentucky hills in winter. 2WD works for paved routes and highway miles |
| Gas, flex-fuel or diesel | Gas and flex-fuel engines are common in this price range. Diesels tend to be older with more miles |
Towing and payload depend on the specific truck's engine, axle and configuration, so check the listing or ask our team about the truck you're looking at.
Ready to make it yours?
How to Buy a Truck Under $20,000 the Smart Way
- 1Decide what the truck needs to do: tow, haul, carry tools or commute.
- 2Apply for financing online so you know your budget before you visit.
- 3Get an honest trade-in offer on your current vehicle, even if you still owe on it.
- 4Look at the listing for mileage, drivetrain and equipment, then call us with questions.
- 5Come drive it on Colonel Road. Prices may not include taxes, title, registration and other fees, so ask us to walk through the full number.
Why Buy Your Budget Truck Here
- ✓Financing explained plainly: Rate, term, payment and down payment are laid out before anything is signed, and we work with a wide range of credit situations.
- ✓Honest trade-ins: No lowball openers. We'll factor in your loan payoff, or buy your truck outright with no obligation to buy.
- ✓Service that tells you the truth: Our service team handles maintenance and repairs on trucks and tells you exactly what's needed, without padding the estimate. Schedule service.
- ✓Treated right, buy or not: Read what customers say in our reviews.
Serving Budget Truck Buyers Across Central Kentucky
Our Richmond lot is an easy drive up I-75 from Berea and down from Lexington, and a quick trip from Winchester, Irvine, Nicholasville, Lancaster and McKee. Call (859) 623-0444 or get directions.
Under $20,000 FAQs
Central KY Truck and Trailer Sales specializes in trucks, with used pickups, work trucks and cargo vans under $20,000 at 3585 Colonel Road in Richmond, near Lexington and Berea. Check the listings above for today's selection or call (859) 623-0444.
What is the most reliable used truck under $20,000?
There's no single answer. At this price, a specific truck's history, maintenance and condition tell you more than the badge. Popular choices include the Ford F-150 and Super Duty, Ram 3500, and Chevrolet Silverado and GMC Sierra heavy-duty trucks.
How do I get a cheap used truck?
Be flexible on model year, mileage and trim. Work trims, two-wheel drive and older heavy-duty trucks usually cost less. Get pre-approved first so you know your budget, and use your trade-in to lower the amount you finance.
What is the best used vehicle to buy for under $20,000?
It depends on the job. Heavy-duty pickups suit towing and hauling, service-body trucks suit the trades, cargo vans suit deliveries, and half-tons suit everyday driving with occasional work.
Can I find a used vehicle under $5,000 in Richmond, KY?
Our under-$20,000 inventory is mostly trucks and vans, and prices change as inventory turns over. Check the listings above for the lowest-priced vehicles available today, or call us and tell us your budget.
Can I finance a truck under $20,000 with less-than-perfect credit?
Often, yes. Credit history is one part of the picture. We also look at income, job stability and down payment, then bring the full story to our lenders.
Do the listed prices include taxes and fees?
Prices may not include government fees and taxes, title and registration, finance charges or dealer document preparation fees. Our team will walk you through the full out-the-door number before you sign.
Can I trade in my vehicle toward a truck under $20,000?
Yes. Start with our online trade-in form and we'll come back with a real offer. If you still owe money, we'll factor your payoff into the deal.
Information deemed reliable, but not guaranteed. Interested parties should confirm all data before relying on it to make a purchase decision. All prices and specifications are subject to change without notice. Prices may not include additional fees such as government fees and taxes, title and registration fees, finance charges, dealer document preparation fees, processing fees, and emission testing and compliance charges.