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Which Used SUVs Under $20,000 Are Worth Buying?

Jeep Cherokee

Finding a dependable, feature-packed sport utility vehicle on a sensible budget is easier than you might think. With a budget ceiling of $20,000, smart shoppers can bypass initial depreciation while securing capable all-wheel drive, modern safety suites, and flexible passenger and cargo room.


If you are browsing for used cars in Washington, MO, choosing an established used car dealership like Schicker Chrysler Dodge Jeep Ram gives you access to thoroughly inspected inventory, transparent vehicle histories, and flexible auto financing tailored to your budget. Here is a breakdown of the best affordable used SUVs under the $20,000 mark and what makes each an exceptional buy.


Top Used SUVs Under $20,000: At a Glance

ModelTypical Year Range ($15k–$20k)Drivetrain & CapabilityStandout Strengths
Jeep Cherokee2016–2020Available Jeep Active Drive 4x4Authentic off-pavement traction, strong towing capacity, Uconnect system
Jeep Renegade2017–2021Available Trailhawk 4x4Compact footprint, distinct rugged styling, tight turning radius
Toyota RAV42014–2017FWD or AWDLegendary powertrain durability, solid resale value, simple maintenance
Honda CR-V2014–2017Real Time AWDClass-leading rear legroom, cavernous cargo hold, excellent fuel economy
Chevrolet Equinox2017–2020FWD or AWDPlentiful inventory, quiet highway cabin, low ongoing ownership costs
Subaru Forester2015–2018Standard Symmetrical AWD8.7 inches of ground clearance, upright greenhouse, high safety ratings

The Best Used SUVs Worth Your Money Under $20,000


1. Jeep Cherokee (2016–2020)


For drivers who want a comfortable daily commuter that can handle Missouri backroads, boat ramps, and winter slush, the Jeep Cherokee is a standout in the compact class.

  • Why It’s Worth It: Unlike many compact crossovers with light-duty slip-and-grip all-wheel drive, the Cherokee offers genuine 4x4 capability, including Jeep’s Selec-Terrain traction management system (Auto, Snow, Sport, Sand/Mud). Models equipped with the 3.2L Pentastar V6 can tow up to 4,500 pounds—far outmatching four-cylinder competitors.

  • Interior Highlights: Intuitive Uconnect infotainment displays with available Apple CarPlay and Android Auto integration make navigation and smartphone pairing effortless.

2. Jeep Renegade (2017–2021)

If you want SUV practicality in an agile, easy-to-park package, the Renegade delivers bold character without stretching your wallet.

  • Why It’s Worth It: The Renegade frequently lands well below the $20,000 threshold with lower odometer readings than larger midsize competitors. Its upright architecture delivers surprising headroom, and Trailhawk trims bring skid plates, tow hooks, and aggressive approach angles rarely found at this price point.

  • Fuel Efficiency: Compact dimensions paired with the Tigershark or 1.3L turbo four-cylinder deliver highway fuel ratings reaching up to 30+ MPG.

3. Toyota RAV4 (2014–2017)

The Toyota RAV4 has long served as a benchmark for hassle-free reliability and low maintenance overhead.

  • Why It’s Worth It: Late fourth-generation RAV4s run on a bulletproof 2.5L four-cylinder engine paired with an uncomplicated 6-speed automatic transmission. For drivers prioritizing five to seven years of predictable operation with minimal shop visits, the RAV4 remains a premier pick.

  • Considerations: Because resale demand is strong, vehicles under $20k generally show between 80,000 and 110,000 miles, making a verified service history essential.

4. Honda CR-V (2014–2017)

The CR-V continues to lead the crossover category in everyday passenger practicality and interior ergonomics.

  • Why It’s Worth It: With low-load cargo floors and spring-loaded fold-down rear seats, the CR-V accommodates everything from school sports equipment to home improvement hauls. Its naturally balanced suspension provides a plush, stable ride across patched highway lanes.

  • Considerations: Look for 2015 and 2016 models with the 2.4L Earth Dreams engine or 2017 models with documented routine dealer servicing.

5. Chevrolet Equinox (2017–2020)

If your primary goal is maximizing modern features and securing a newer model year with modest mileage, the Chevy Equinox represents significant value.

  • Why It’s Worth It: The Equinox was redesigned for 2018, shedding weight and introducing a sharp touchscreen interface, push-button start, and standard active safety alerts on many trims. Its broad availability across the Midwest keeps acquisition and replacement part prices competitive.

4 Rules for Shopping Used SUVs in Franklin County

  1. Test the All-Wheel Drive or 4x4 Engagement

    Whether you are tackling slick winter mornings along Highway 100 or gravel trails off Route 47, make sure the AWD system engages smoothly without shuddering or grinding during low-speed turns.

  2. Check Missouri Inspection & Vehicle History Reports

    Always demand a comprehensive CARFAX or AutoCheck report showing regular oil services, brake pad replacements, and clean title status with no hidden flood or structural damage.

  3. Inspect the Frame for Road Salt Buildup

    Midwest winters bring salted roads. Look under the wheel wells, lower door seams, and rear suspension arms for signs of deep oxidation before committing.

  4. Lock In Transparent Auto Financing Early

    Before falling in love with a particular trim, get pre-qualified for auto financing. Knowing your monthly target, loan term, and down-payment strategy gives you leverage and avoids unwanted surprises at the closing desk.

Why Buy Your Next Used SUV at Schicker CDJR?


Finding the right used SUVs under $20,000 comes down to dealer transparency, vehicle vetting, and support after the sale. At Schicker Chrysler Dodge Jeep Ram in Washington, MO, every pre-owned SUV on the lot undergoes a rigorous multi-point mechanical inspection to ensure roadworthiness, safety, and reliability.


Whether you are trading in your current car or seeking customized auto financing rates through regional lenders and national institutions, the team at Schicker CDJR works to fit payments to your personal budget. Stop by our showroom on Highway 100 in Washington, MO, to explore current inventory, take a test drive, and drive home in an affordable SUV you can count on.


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If you're in the market for a vehicle, you're probably weighing the pros and cons of buying new versus used. While new cars have their appeal, there are many reasons why purchasing used cars in Washington, MO is a smarter choice than ever. From better value to a wider selection, a used car dealership in Washington, MO, like Schicker CDJR, can help you find a great deal on a quality vehicle. Let's dive into why buying a used car or used SUV is an increasingly popular choice for drivers in the Washington, MO, area. 1. Lower Depreciation and Better Value One of the key reasons to buy used cars in Washington, MO is the potential to save money due to lower depreciation. New cars can lose as much as 20% of their value within the first year alone. When you choose a used car or used truck from Schicker CDJR, much of that depreciation has already occurred, allowing you to get more value for your dollar. 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Certified Pre-Owned (CPO) Vehicles for Peace of Mind At Schicker CDJR, we offer Certified Pre-Owned (CPO) vehicles, which are some of the best options for buyers who want the benefits of both a new and a used car. Our CPO cars undergo a detailed inspection process, ensuring they meet high-quality standards and are in excellent condition. These vehicles come with extended warranties, roadside assistance, and other benefits that make them an even more attractive choice for buyers looking for peace of mind. With CPO used SUVs and used trucks, you can enjoy the reliability of a nearly-new vehicle at a fraction of the cost of buying new. It’s the perfect option for anyone who wants a quality car without the price tag of a brand-new model. 4. Lower Insurance Costs Another reason to buy used cars in Washington, MO is that insurance premiums for pre-owned vehicles are generally lower than those for new cars. 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With more affordable prices, a wide variety of models to choose from, and financing options that fit your budget, Schicker CDJR is the place to shop for your next used car, used truck, or used SUV. With lower depreciation, lower insurance costs, and environmentally friendly benefits, it's easy to see why so many drivers are choosing pre-owned vehicles in Washington, MO. Visit us today to test drive our extensive selection of used cars near me and drive away with the perfect vehicle at the right price. Whether you’re looking for a rugged used truck, a spacious used SUV, or a reliable used car, we’ve got you covered at Schicker CDJR.