Fort Walton Beach, FL Used Cars Under $45,000 |with Payments|

2024 Toyota Tundra SR5

⇩ View Seller Description

This low mileage second hand 2024 Toyota Tundra SR5 4X2 pickup below 25,000 miles, a transmission, and 3.4L gas engine is for sale right now below $41K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$40,773
Est. Payment:	$786.57 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,627
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$40,773.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,519.35
Avg. DMV Fee	363.00
Cash Sale Price	$45,967.35
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	$45,967.35
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$786.57

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,773.00. 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 Ford F-150 STX

⇩ View Seller Description

This low mileage second hand 2024 Ford F-150 STX 4X2 pickup under 12,000 miles, a transmission, and 2.7L gas engine is for sale right now below $43K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$42,499
Est. Payment:	$819.35 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	12,295
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$42,499.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,709.21
Avg. DMV Fee	363.00
Cash Sale Price	$47,883.21
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	$47,883.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$819.35

(1) Auto Finance calculations are based on the used car dealer's advertised price of $42,499.00. 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 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.

2023 Ford F-150 Platinum

⇩ View Seller Description

This average mileage second hand 2023 Ford F-150 Platinum 4X4 pickup below 79,000 miles, a transmission, and 3.5L hybrid engine is for sale right now below $45K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,499
Est. Payment:	$1087.36 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	79,199
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$44,499.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,929.21
Avg. DMV Fee	363.00
Cash Sale Price	$50,103.21
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	$50,103.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$1087.36

(1) Car Loan calculations are based on the used car dealer's advertised price of $44,499.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2025 Ford F-150 STX

⇩ View Seller Description

This low mileage second hand 2025 Ford F-150 STX 4X4 pickup under 5,000 miles, a transmission, and 2.7L gas engine is for sale right now below $45K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,977
Est. Payment:	$866.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	4,664
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$44,977.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,981.79
Avg. DMV Fee	363.00
Cash Sale Price	$50,633.79
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	$50,633.79
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$866.42

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,977.00. 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.

2023 Ford Bronco Big Bend Advanced

⇩ View Seller Description

This low mileage preowned 2023 Ford Bronco Big Bend Advanced 4X4 SUV under 18,000 miles, a transmission, and 2.7L gas engine is for sale right now under $41K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$40,997
Est. Payment:	$790.82 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,630
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$40,997.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,543.99
Avg. DMV Fee	363.00
Cash Sale Price	$46,215.99
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	$46,215.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$790.82

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,997.00. 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 Ford F-150 XLT

⇩ View Seller Description

This low mileage used 2024 Ford F-150 XLT 4X4 pickup below 39,000 miles, a transmission, and 3.5L hybrid engine is for sale right now under $44K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$43,468
Est. Payment:	$837.76 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,543
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$43,468.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,815.80
Avg. DMV Fee	363.00
Cash Sale Price	$48,958.80
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	$48,958.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$837.76

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,468.00. 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.

2025 Ford Explorer ST-Line

⇩ View Seller Description

This low mileage preowned 2025 Ford Explorer ST-Line RWD SUV under 15,000 miles, a transmission, and 2.3L gas engine is for sale right now below $41K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$40,998
Est. Payment:	$790.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	15,252
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$40,998.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,544.10
Avg. DMV Fee	363.00
Cash Sale Price	$46,217.10
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	$46,217.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$790.84

(1) Auto Loan calculations are based on the used car dealer's advertised price of $40,998.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2025 Ford Explorer Platinum

⇩ View Seller Description

This low mileage second hand 2025 Ford Explorer Platinum AWD SUV under 42,000 miles, a transmission, and 2.3L gas engine is for sale right now below $42K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$41,997
Est. Payment:	$809.82 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	41,623
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$41,997.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,653.99
Avg. DMV Fee	363.00
Cash Sale Price	$47,325.99
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	$47,325.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$809.82

(1) Car Finance calculations are based on the used car dealer's advertised price of $41,997.00. 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.

2020 Chevrolet Silverado 2500HD LTZ

⇩ View Seller Description

This high mileage preowned 2020 Chevrolet Silverado 2500HD LTZ 4X4 pickup under 125,000 miles, a transmission, and 6.6L diesel engine is for sale right now under $45K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,499
Est. Payment:	$1828.32 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	124,849
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$44,499.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,929.21
Avg. DMV Fee	363.00
Cash Sale Price	$50,103.21
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	$50,103.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Auto Loan Payment	$1828.32

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,499.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 30 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-250 Super Duty XLT

⇩ View Seller Description

This above average mileage used 2022 Ford F-250 Super Duty XLT 4X4 pickup below 92,000 miles, a transmission, and 6.7L diesel engine is for sale right now under $45K at Gary Smith Ford Inc in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,999
Est. Payment:	$1366.46 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	91,943
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$44,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,984.21
Avg. DMV Fee	363.00
Cash Sale Price	$50,658.21
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	$50,658.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1366.46

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,999.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

Used Cars under $45,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $45,000

2024 Toyota Tundra SR5

2024 Ford F-150 STX

2023 Ford F-150 Platinum

2025 Ford F-150 STX

2023 Ford Bronco Big Bend Advanced

2024 Ford F-150 XLT

2025 Ford Explorer ST-Line

2025 Ford Explorer Platinum

2020 Chevrolet Silverado 2500HD LTZ

2022 Ford F-250 Super Duty XLT

Used Cars under $45,000 for Sale in Fort Walton Beach, FL

Fort Walton Beach, FL Secondhand Used Vehicles Priced Below $45,000

2024 Toyota Tundra SR5

Toyota Tundra SR5

2024 Toyota Tundra SR5 Car Loan Estimate

2024 Ford F-150 STX

Ford F-150 STX

2024 Ford F-150 STX Car Loan Estimate

2023 Ford F-150 Platinum

Ford F-150 Platinum

2023 Ford F-150 Platinum Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

2023 Ford Bronco Big Bend Advanced

Ford Bronco Big Bend Advanced

2023 Ford Bronco Big Bend Advanced Car Loan Estimate

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Ford Explorer ST-Line

Ford Explorer ST-Line

2025 Ford Explorer ST-Line Car Loan Estimate

2025 Ford Explorer Platinum

Ford Explorer Platinum

2025 Ford Explorer Platinum Car Loan Estimate

2020 Chevrolet Silverado 2500HD LTZ

Chevrolet Silverado 2500HD LTZ

2020 Chevrolet Silverado 2500HD LTZ Car Loan Estimate

2022 Ford F-250 Super Duty XLT

Ford F-250 Super Duty XLT

2022 Ford F-250 Super Duty XLT Car Loan Estimate

Customize Payments

Find Financing

Customize Payments