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

2024 Ford F-150 XLT

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This low mileage preowned 2024 Ford F-150 XLT 4x4 pickup below 39,000 miles, automatic transmission, and 37 MPG, 3.5L hybrid engine is for sale right now below $45K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,988
Est. Payment:	$866.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,543
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$44,988.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,983.00
Avg. DMV Fee	363.00
Cash Sale Price	$50,646.00
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	$50,646.00
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$866.63

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,988.00. 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 Toyota Tacoma TRD Sport

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This low mileage second hand 2025 Toyota Tacoma TRD Sport 4x4 pickup below 22,000 miles, automatic transmission, and 37 MPG, 2.4L gas engine is for sale right now below $43K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$42,997
Est. Payment:	$828.81 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,170
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$42,997.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,763.99
Avg. DMV Fee	363.00
Cash Sale Price	$48,435.99
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	$48,435.99
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$828.81

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,997.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 GMC Sierra 1500 Pro

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This low mileage second hand 2024 GMC Sierra 1500 Pro 4x4 pickup under 19,000 miles, automatic transmission, and 37 MPG, 5.3L gas engine is for sale right now under $42K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$41,999
Est. Payment:	$809.86 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,233
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$41,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,654.21
Avg. DMV Fee	363.00
Cash Sale Price	$47,328.21
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	$47,328.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$809.86

(1) Auto Loan calculations are based on the used car dealer's advertised price of $41,999.00. 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.

2022 Chevrolet Silverado 1500 LT Trail Boss

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This low mileage preowned 2022 Chevrolet Silverado 1500 LT Trail Boss 4x4 pickup below 52,000 miles, automatic transmission, and 37 MPG, 5.3L gas engine is for sale right now below $45K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$44,999
Est. Payment:	$930.11 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	52,492
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⁾	66
Auto Finance Payment	$930.11

(1) Auto 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) 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 66 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 Lincoln Navigator Reserve

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This average mileage preowned 2020 Lincoln Navigator Reserve 4x4 SUV below 73,000 miles, automatic transmission, and 37 MPG, 3.5L gas engine is for sale right now below $44K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$43,329
Est. Payment:	$1059.18 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	72,969
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$43,329.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,800.51
Avg. DMV Fee	363.00
Cash Sale Price	$48,804.51
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	$48,804.51
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$1059.18

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,329.00. 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 BMW X5 sDrive40i

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This low mileage preowned 2024 BMW X5 sDrive40i RWD SUV under 40,000 miles, automatic transmission, and 37 MPG, 3.0L hybrid engine is for sale right now below $44K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$43,999
Est. Payment:	$847.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	40,078
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$43,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,874.21
Avg. DMV Fee	363.00
Cash Sale Price	$49,548.21
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	$49,548.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$847.84

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,999.00. 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 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.

2024 Toyota Tundra SR5

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This low mileage used 2024 Toyota Tundra SR5 RWD pickup below 25,000 miles, automatic transmission, and 37 MPG, 3.4L gas engine is for sale right now under $43K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$42,279
Est. Payment:	$815.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,627
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$42,279.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,685.01
Avg. DMV Fee	363.00
Cash Sale Price	$47,639.01
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	$47,639.01
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$815.17

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,279.00. 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.

2023 Ford F-150 XL

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This low mileage used 2023 Ford F-150 XL 4x4 pickup under 29,000 miles, automatic transmission, and 37 MPG, 2.7L gas engine is for sale right now under $44K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$43,999
Est. Payment:	$847.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,997
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$43,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,874.21
Avg. DMV Fee	363.00
Cash Sale Price	$49,548.21
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	$49,548.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$847.84

(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.

2022 Ford F-150 XL

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This low mileage used 2022 Ford F-150 XL 4x4 pickup below 38,000 miles, automatic transmission, and 37 MPG, 5.0L gas engine is for sale right now below $44K at Gary Smith Ford in Fort Walton Beach, FL. ...View More Details

Sales Price:	$43,999
Est. Payment:	$847.84 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,287
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$43,999.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,874.21
Avg. DMV Fee	363.00
Cash Sale Price	$49,548.21
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	$49,548.21
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$847.84

(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.

2026 Hyundai SANTA FE Hybrid SEL

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This low mileage used 2026 Hyundai SANTA FE Hybrid SEL FWD SUV below 0,000 miles, automatic transmission, and 37 MPG, 1.6L hybrid engine is for sale right now below $42K at Hampton Hyundai in Fort Walton Beach, FL. ...View More Details

Sales Price:	$41,100
Est. Payment:	$792.78 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	1
Location:	Fort Walton Beach, FL

Item	Amount
Used Car Price⁽¹⁾	$41,100.00
Avg. Dealer Doc Fee	312.00
AL Sales Tax (11%)	4,555.32
Avg. DMV Fee	363.00
Cash Sale Price	$46,330.32
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	$46,330.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$792.78

(1) Auto Loan calculations are based on the used car dealer's advertised price of $41,100.00. 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 Cars under $45,000 for Sale in Fort Walton Beach, FL

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

2024 Ford F-150 XLT

2025 Toyota Tacoma TRD Sport

2024 GMC Sierra 1500 Pro

2022 Chevrolet Silverado 1500 LT Trail Boss

2020 Lincoln Navigator Reserve

2024 BMW X5 sDrive40i

2024 Toyota Tundra SR5

2023 Ford F-150 XL

2022 Ford F-150 XL

2026 Hyundai SANTA FE Hybrid SEL

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

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

2024 Ford F-150 XLT

Ford F-150 XLT

2024 Ford F-150 XLT Car Loan Estimate

2025 Toyota Tacoma TRD Sport

Toyota Tacoma TRD Sport

2025 Toyota Tacoma TRD Sport Car Loan Estimate

2024 GMC Sierra 1500 Pro

GMC Sierra 1500 Pro

2024 GMC Sierra 1500 Pro Car Loan Estimate

2022 Chevrolet Silverado 1500 LT Trail Boss

Chevrolet Silverado 1500 LT Trail Boss

2022 Chevrolet Silverado 1500 LT Trail Boss Car Loan Estimate

2020 Lincoln Navigator Reserve

Lincoln Navigator Reserve

2020 Lincoln Navigator Reserve Car Loan Estimate

2024 BMW X5 sDrive40i

BMW X5 sDrive40i

2024 BMW X5 sDrive40i Car Loan Estimate

2024 Toyota Tundra SR5

Toyota Tundra SR5

2024 Toyota Tundra SR5 Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2022 Ford F-150 XL

Ford F-150 XL

2022 Ford F-150 XL Car Loan Estimate

2026 Hyundai SANTA FE Hybrid SEL

Hyundai SANTA FE Hybrid SEL

2026 Hyundai SANTA FE Hybrid SEL Car Loan Estimate

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