Metro Panama City, FL Area Used Cars Under $650 a Month

2020 Ford Explorer Platinum

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This below average mileage certified preowned 2020 Ford Explorer Platinum AWD SUV below 63,000 miles, automatic transmission, and 26 MPG, 3.0L gas engine is for sale right now below $29K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$28,933
Est. Payment:	$631.83 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	62,772
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$28,933.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	1,783.92
Avg. DMV Fee	294.00
Cash Sale Price	$31,809.92
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	$31,809.92
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Car Loan Payment	$631.83

(1) Car Loan calculations are based on the used car dealer's advertised price of $28,933.00. 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 60 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 Terrain AT4

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This below average mileage certified used 2024 GMC Terrain AT4 AWD SUV under 61,000 miles, automatic transmission, and 26 MPG, 1.5L gas engine is for sale right now below $29K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$28,961
Est. Payment:	$632.42 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,844
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$28,961.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	1,785.60
Avg. DMV Fee	294.00
Cash Sale Price	$31,839.60
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	$31,839.60
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Loan Payment	$632.42

(1) Auto Loan calculations are based on the used car dealer's advertised price of $28,961.00. 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 60 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 GMC Canyon AT4

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This low mileage certified second hand 2022 GMC Canyon AT4 4x4 pickup under 49,000 miles, automatic transmission, and 26 MPG, 3.6L gas engine is for sale right now under $34K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$33,684
Est. Payment:	$630.49 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	49,311
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$33,684.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,068.98
Avg. DMV Fee	294.00
Cash Sale Price	$36,845.98
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	$36,845.98
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$630.49

(1) Auto Finance calculations are based on the used car dealer's advertised price of $33,684.00. 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.

2021 Ford F-150 XL

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This low mileage used 2021 Ford F-150 XL RWD pickup below 60,000 miles, automatic transmission, and 26 MPG, 2.7L gas engine is for sale right now below $32K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$31,444
Est. Payment:	$632.91 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,934
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$31,444.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	1,934.58
Avg. DMV Fee	294.00
Cash Sale Price	$34,471.58
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	$34,471.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$632.91

(1) Car Loan calculations are based on the used car dealer's advertised price of $31,444.00. 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 66 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.

2021 Ford F-150 XL

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This high mileage used 2021 Ford F-150 XL RWD pickup under 110,000 miles, automatic transmission, and 26 MPG, 3.3L gas engine is for sale right now under $20K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$19,124
Est. Payment:	$662.43 / 36 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	110,079
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$19,124.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	1,195.38
Avg. DMV Fee	294.00
Cash Sale Price	$21,412.38
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	$21,412.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	36
Auto Loan Payment	$662.43

(1) Auto Loan calculations are based on the used car dealer's advertised price of $19,124.00. 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 36 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 Toyota RAV4 XLE Premium

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This low mileage second hand 2023 Toyota RAV4 XLE Premium FWD SUV under 26,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now below $35K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$34,481
Est. Payment:	$644.95 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,864
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$34,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,116.80
Avg. DMV Fee	294.00
Cash Sale Price	$37,690.80
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	$37,690.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$644.95

(1) Auto Finance calculations are based on the used car dealer's advertised price of $34,481.00. 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 Ram 1500 Classic Express

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This low mileage second hand 2023 Ram 1500 Classic Express 4x4 pickup under 13,000 miles, automatic transmission, and 26 MPG, 3.6L gas engine is for sale right now under $33K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$32,887
Est. Payment:	$616.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	13,001
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$32,887.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,021.16
Avg. DMV Fee	294.00
Cash Sale Price	$36,001.16
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	$36,001.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$616.03

(1) Car Finance calculations are based on the used car dealer's advertised price of $32,887.00. 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 Kia K5 GT

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This low mileage second hand 2025 Kia K5 GT FWD sedan under 8,000 miles, automatic transmission, and 26 MPG, 2.5L gas engine is for sale right now under $34K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$33,446
Est. Payment:	$626.17 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	7,500
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$33,446.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,054.70
Avg. DMV Fee	294.00
Cash Sale Price	$36,593.70
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	$36,593.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$626.17

(1) Auto Loan calculations are based on the used car dealer's advertised price of $33,446.00. 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 Cadillac XT5 Premium Luxury

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This low mileage preowned 2024 Cadillac XT5 Premium Luxury 4x4 SUV below 54,000 miles, automatic transmission, and 26 MPG, 3.6L gas engine is for sale right now below $31K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$30,481
Est. Payment:	$614.17 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	53,695
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$30,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	1,876.80
Avg. DMV Fee	294.00
Cash Sale Price	$33,450.80
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	$33,450.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Loan Payment	$614.17

(1) Car Loan calculations are based on the used car dealer's advertised price of $30,481.00. 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 66 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.

2022 Chevrolet Camaro LT

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This low mileage used 2022 Chevrolet Camaro LT RWD convertible below 8,000 miles, automatic transmission, and 26 MPG, 2.0L gas engine is for sale right now below $34K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$33,444
Est. Payment:	$626.14 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	8,325
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$33,444.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,054.58
Avg. DMV Fee	294.00
Cash Sale Price	$36,591.58
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	$36,591.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$626.14

(1) Car Loan calculations are based on the used car dealer's advertised price of $33,444.00. 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.

Used Cars under $650 per month for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles with Payments Under $650 / Month

2020 Ford Explorer Platinum

2024 GMC Terrain AT4

2022 GMC Canyon AT4

2021 Ford F-150 XL

2021 Ford F-150 XL

2023 Toyota RAV4 XLE Premium

2023 Ram 1500 Classic Express

2025 Kia K5 GT

2024 Cadillac XT5 Premium Luxury

2022 Chevrolet Camaro LT

Greater Panama City Area Cities with Used Cars for Sale Below $650 / Month

Metro Panama City Area Counties with Used Cars for Sale Below $650 / Month

Used Cars under $650 per month for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles with Payments Under $650 / Month

2020 Ford Explorer Platinum

Ford Explorer Platinum

2020 Ford Explorer Platinum Car Loan Estimate

2024 GMC Terrain AT4

GMC Terrain AT4

2024 GMC Terrain AT4 Car Loan Estimate

2022 GMC Canyon AT4

GMC Canyon AT4

2022 GMC Canyon AT4 Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

2021 Ford F-150 XL

Ford F-150 XL

2021 Ford F-150 XL Car Loan Estimate

2023 Toyota RAV4 XLE Premium

Toyota RAV4 XLE Premium

2023 Toyota RAV4 XLE Premium Car Loan Estimate

2023 Ram 1500 Classic Express

Ram 1500 Classic Express

2023 Ram 1500 Classic Express Car Loan Estimate

2025 Kia K5 GT

Kia K5 GT

2025 Kia K5 GT Car Loan Estimate

2024 Cadillac XT5 Premium Luxury

Cadillac XT5 Premium Luxury

2024 Cadillac XT5 Premium Luxury Car Loan Estimate

2022 Chevrolet Camaro LT

Chevrolet Camaro LT

2022 Chevrolet Camaro LT Car Loan Estimate

Greater Panama City Area Cities with Used Cars for Sale Below $650 / Month

Metro Panama City Area Counties with Used Cars for Sale Below $650 / Month

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