Fort Walton Beach, FL Used Pickups Under $40,000 |with Payments|

2025 Ford F-150 XLT

⇩ View Seller Description

This low mileage preowned 2025 Ford F-150 XLT 4x4 pickup below 26,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now below $40K at BMW of Fort Walton Beach in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,138
Est. Payment:	$755.52 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	26,302
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,138.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,339.50
Avg. DMV Fee	363.00
Cash Sale Price	$44,152.50
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$44,152.50
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$755.52

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,138.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2022 Ford F-150 Limited

⇩ View Seller Description

This above average mileage preowned 2022 Ford F-150 Limited 4x4 pickup below 94,000 miles, automatic transmission, and 18 MPG, 3.5L hybrid engine is for sale right now under $40K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$39,998
Est. Payment:	$1216.72 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	94,358
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$39,998.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,434.10
Avg. DMV Fee	363.00
Cash Sale Price	$45,107.10
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$45,107.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Loan Payment	$1216.72

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,998.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 42 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 GMC Canyon Elevation

⇩ View Seller Description

This low mileage second hand 2025 GMC Canyon Elevation RWD pickup under 13,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now under $37K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$36,999
Est. Payment:	$714.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,492
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$36,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,104.21
Avg. DMV Fee	363.00
Cash Sale Price	$41,778.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,778.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$714.89

(1) Car Loan calculations are based on the used car dealer's advertised price of $36,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 72 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 Chevrolet Silverado 1500 LT

⇩ View Seller Description

This above average mileage second hand 2024 Chevrolet Silverado 1500 LT 4x4 pickup under 97,000 miles, automatic transmission, and 18 MPG, 5.3L gas engine is for sale right now below $36K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$35,499
Est. Payment:	$1082.02 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	97,278
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$35,499.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,939.21
Avg. DMV Fee	363.00
Cash Sale Price	$40,113.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,113.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Finance Payment	$1082.02

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,499.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 42 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2021 Ford F-150 XL

⇩ View Seller Description

This above average mileage used 2021 Ford F-150 XL 4x4 pickup under 95,000 miles, automatic transmission, and 18 MPG, 3.5L hybrid engine is for sale right now under $37K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$36,991
Est. Payment:	$1126.69 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	95,233
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$36,991.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,103.33
Avg. DMV Fee	363.00
Cash Sale Price	$41,769.33
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,769.33
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1126.69

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,991.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 42 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2023 Ford F-150 XL

⇩ View Seller Description

This low mileage used 2023 Ford F-150 XL RWD pickup under 23,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now below $38K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$37,988
Est. Payment:	$733.67 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,501
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$37,988.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,213.00
Avg. DMV Fee	363.00
Cash Sale Price	$42,876.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$42,876.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$733.67

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Finance Interest rate of 7.13% APR and 72 month car finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2025 Ford Ranger XLT

⇩ View Seller Description

This low mileage second hand 2025 Ford Ranger XLT RWD pickup under 7,000 miles, automatic transmission, and 18 MPG, 2.3L gas engine is for sale right now under $37K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$36,988
Est. Payment:	$714.68 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,883
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,103.00
Avg. DMV Fee	363.00
Cash Sale Price	$41,766.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$41,766.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$714.68

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Finance down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Finance Interest rate of 7.13% APR and 72 month auto finance term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2020 Ram 1500 Laramie

⇩ View Seller Description

This average mileage used 2020 Ram 1500 Laramie 4x4 pickup below 71,000 miles, automatic transmission, and 18 MPG, 5.7L gas engine is for sale right now under $36K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$35,999
Est. Payment:	$882.60 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	71,499
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$35,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,994.21
Avg. DMV Fee	363.00
Cash Sale Price	$40,668.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,668.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$882.60

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Car Loan Interest rate of 7.13% APR and 54 month car loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 Chevrolet Colorado Z71

⇩ View Seller Description

This low mileage second hand 2024 Chevrolet Colorado Z71 4x4 pickup under 25,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now under $36K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$35,988
Est. Payment:	$695.69 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,996
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$35,988.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	3,993.00
Avg. DMV Fee	363.00
Cash Sale Price	$40,656.00
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$40,656.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$695.69

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,988.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

2024 GMC Sierra 1500 Pro

⇩ View Seller Description

This low mileage second hand 2024 GMC Sierra 1500 Pro 4x4 pickup below 19,000 miles, automatic transmission, and 18 MPG, 5.3L gas engine is for sale right now under $39K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$38,999
Est. Payment:	$752.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,233
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$38,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,324.21
Avg. DMV Fee	363.00
Cash Sale Price	$43,998.21
Trade-In Value	$0.00
Less Payoff	0.00
Net Trade Allowance	$0.00
Cash Down Payment⁽²⁾	0.00
Factory Rebate Incentive	0.00
Total Down Payment	$0.00
Total Loan Amount	$43,998.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$752.88

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto Loan down payment is based the greater of customer input or the amount needed not to exceed the Loan to Value of 130%.

(3) Auto Loan Interest rate of 7.13% APR and 72 month auto loan term are based on the national average for a credit score range from 781-850. Actual interest rate and term set by lender.

Used Pickups under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Pickups Priced Below $40,000

2025 Ford F-150 XLT

2022 Ford F-150 Limited

2025 GMC Canyon Elevation

2024 Chevrolet Silverado 1500 LT

2021 Ford F-150 XL

2023 Ford F-150 XL

2025 Ford Ranger XLT

2020 Ram 1500 Laramie

2024 Chevrolet Colorado Z71

2024 GMC Sierra 1500 Pro

Used Pickups under $40,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Pickups Priced Below $40,000

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2022 Ford F-150 Limited

Ford F-150 Limited

2022 Ford F-150 Limited Car Loan Estimate

2025 GMC Canyon Elevation

GMC Canyon Elevation

2025 GMC Canyon Elevation Car Loan Estimate

2024 Chevrolet Silverado 1500 LT

Chevrolet Silverado 1500 LT

2024 Chevrolet Silverado 1500 LT Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2025 Ford Ranger XLT

Ford Ranger XLT

2025 Ford Ranger XLT Car Loan Estimate

2020 Ram 1500 Laramie

Ram 1500 Laramie

2020 Ram 1500 Laramie Car Loan Estimate

2024 Chevrolet Colorado Z71

Chevrolet Colorado Z71

2024 Chevrolet Colorado Z71 Car Loan Estimate

2024 GMC Sierra 1500 Pro

GMC Sierra 1500 Pro

2024 GMC Sierra 1500 Pro Car Loan Estimate

Customize Payments

Find Financing

Customize Payments