Panama City, FL Area Used Cars Under $40,000

2022 Ram 1500 Laramie

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This average mileage certified preowned 2022 Ram 1500 Laramie 4x4 pickup under 86,000 miles, automatic transmission, and 22 MPG, 5.7L gas engine is for sale right now under $37K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$36,958
Est. Payment:	$967.86 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	86,299
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$36,958.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,265.42
Avg. DMV Fee	294.00
Cash Sale Price	$40,316.42
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	$40,316.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$967.86

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,958.00. 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 48 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 Mustang EcoBoost

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This low mileage used 2025 Ford Mustang EcoBoost RWD coupe below 6,000 miles, automatic transmission, and 22 MPG, 2.3L gas engine is for sale right now under $37K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$36,988
Est. Payment:	$690.42 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,669
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,267.22
Avg. DMV Fee	294.00
Cash Sale Price	$40,348.22
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	$40,348.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$690.42

(1) Auto Loan 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 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 Toyota Tacoma Trail Special Edition

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This low mileage used 2023 Toyota Tacoma Trail Special Edition 4x4 pickup below 43,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $36K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$35,998
Est. Payment:	$672.46 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	43,194
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$35,998.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,207.82
Avg. DMV Fee	294.00
Cash Sale Price	$39,298.82
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	$39,298.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$672.46

(1) Auto Loan calculations are based on the used car dealer's advertised price of $35,998.00. 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.

2022 Toyota RAV4 Hybrid Limited

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This low mileage certified second hand 2022 Toyota RAV4 Hybrid Limited AWD SUV under 21,000 miles, cvt transmission, and 22 MPG, 2.5L hybrid engine is for sale right now below $36K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$35,587
Est. Payment:	$665.01 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,694
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,587.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,183.16
Avg. DMV Fee	294.00
Cash Sale Price	$38,863.16
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	$38,863.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$665.01

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,587.00. 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 Explorer ST

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This average mileage certified used 2023 Ford Explorer ST AWD SUV below 70,000 miles, automatic transmission, and 22 MPG, 3.0L gas engine is for sale right now below $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,081
Est. Payment:	$900.80 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,449
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,081.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,332.80
Avg. DMV Fee	294.00
Cash Sale Price	$41,506.80
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	$41,506.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Loan Payment	$900.80

(1) Auto Loan calculations are based on the used car dealer's advertised price of $38,081.00. 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 54 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.

2021 Jeep Wrangler Unlimited Sahara

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This low mileage used 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV under 24,000 miles, transmission, and 22 MPG, 3.6L gas engine is for sale right now below $39K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$38,999
Est. Payment:	$726.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,411
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,999.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,387.88
Avg. DMV Fee	294.00
Cash Sale Price	$42,479.88
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	$42,479.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$726.89

(1) Car Finance 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) 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 Ford Expedition King Ranch

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This average mileage preowned 2020 Ford Expedition King Ranch RWD SUV under 72,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now under $37K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$36,988
Est. Payment:	$875.65 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	72,329
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$36,988.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,267.22
Avg. DMV Fee	294.00
Cash Sale Price	$40,348.22
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	$40,348.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Loan Payment	$875.65

(1) Car Loan 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) 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 Nissan Frontier S

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This low mileage certified used 2025 Nissan Frontier S 4x4 pickup under 21,000 miles, automatic transmission, and 22 MPG, 3.8L gas engine is for sale right now under $40K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$39,784
Est. Payment:	$741.13 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,105
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,784.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,434.98
Avg. DMV Fee	294.00
Cash Sale Price	$43,311.98
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	$43,311.98
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$741.13

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,784.00. 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.

2021 Chevrolet Silverado 2500HD Custom

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This above average mileage second hand 2021 Chevrolet Silverado 2500HD Custom 4x4 pickup below 90,000 miles, automatic transmission, and 22 MPG, 6.6L gas engine is for sale right now below $36K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$35,887
Est. Payment:	$1056.88 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,113
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,887.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,201.16
Avg. DMV Fee	294.00
Cash Sale Price	$39,181.16
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	$39,181.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1056.88

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,887.00. 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 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.

2024 Toyota Tacoma Limited

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This low mileage used 2024 Toyota Tacoma Limited 4x4 pickup under 6,000 miles, automatic transmission, and 22 MPG, 2.4L gas engine is for sale right now below $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,978
Est. Payment:	$744.65 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	5,655
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,978.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,446.62
Avg. DMV Fee	294.00
Cash Sale Price	$43,517.62
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	$43,517.62
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$744.65

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,978.00. 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 $40,000 for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles Priced Below $40,000

2022 Ram 1500 Laramie

2025 Ford Mustang EcoBoost

2023 Toyota Tacoma Trail Special Edition

2022 Toyota RAV4 Hybrid Limited

2023 Ford Explorer ST

2021 Jeep Wrangler Unlimited Sahara

2020 Ford Expedition King Ranch

2025 Nissan Frontier S

2021 Chevrolet Silverado 2500HD Custom

2024 Toyota Tacoma Limited

Greater Panama City Area Cities with Used Cars for Sale Below $40K

Metro Panama City Area Counties with Used Cars for Sale Below $40,000

Used Cars under $40,000 for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles Priced Below $40,000

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Car Loan Estimate

2025 Ford Mustang EcoBoost

Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost Car Loan Estimate

2023 Toyota Tacoma Trail Special Edition

Toyota Tacoma Trail Special Edition

2023 Toyota Tacoma Trail Special Edition Car Loan Estimate

2022 Toyota RAV4 Hybrid Limited

Toyota RAV4 Hybrid Limited

2022 Toyota RAV4 Hybrid Limited Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2021 Jeep Wrangler Unlimited Sahara

Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara Car Loan Estimate

2020 Ford Expedition King Ranch

Ford Expedition King Ranch

2020 Ford Expedition King Ranch Car Loan Estimate

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S Car Loan Estimate

2021 Chevrolet Silverado 2500HD Custom

Chevrolet Silverado 2500HD Custom

2021 Chevrolet Silverado 2500HD Custom Car Loan Estimate

2024 Toyota Tacoma Limited

Toyota Tacoma Limited

2024 Toyota Tacoma Limited Car Loan Estimate

Greater Panama City Area Cities with Used Cars for Sale Below $40K

Metro Panama City Area Counties with Used Cars for Sale Below $40,000

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