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

2022 Toyota RAV4 Hybrid Limited

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This low mileage certified used 2022 Toyota RAV4 Hybrid Limited AWD SUV below 21,000 miles, cvt transmission, and 23 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 Loan Payment	$665.01

(1) Car Loan 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 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.

2021 Lexus ES 350 F SPORT

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This low mileage used 2021 Lexus ES 350 F SPORT FWD sedan under 41,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now below $37K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$36,444
Est. Payment:	$680.55 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	40,903
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$36,444.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,234.58
Avg. DMV Fee	294.00
Cash Sale Price	$39,771.58
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	$39,771.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$680.55

(1) Car Finance calculations are based on the used car dealer's advertised price of $36,444.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 Bronco Base Advanced

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This low mileage certified preowned 2022 Ford Bronco Base Advanced 4x4 SUV below 55,000 miles, automatic transmission, and 23 MPG, 2.7L gas engine is for sale right now below $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,820
Est. Payment:	$776.46 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	55,483
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,820.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,377.14
Avg. DMV Fee	294.00
Cash Sale Price	$42,290.14
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	$42,290.14
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$776.46

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,820.00. 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.

2025 Honda Odyssey EX-L

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This low mileage certified used 2025 Honda Odyssey EX-L FWD minivan under 21,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now below $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,990
Est. Payment:	$726.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,535
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,990.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,387.34
Avg. DMV Fee	294.00
Cash Sale Price	$42,470.34
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	$42,470.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$726.73

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,990.00. 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 Lincoln Nautilus Reserve

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This low mileage used 2021 Lincoln Nautilus Reserve AWD SUV below 33,000 miles, automatic transmission, and 23 MPG, 2.7L gas engine is for sale right now below $36K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$35,985
Est. Payment:	$672.23 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	33,060
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$35,985.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,207.04
Avg. DMV Fee	294.00
Cash Sale Price	$39,285.04
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	$39,285.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$672.23

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,985.00. 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 Tacoma Limited

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This low mileage second hand 2024 Toyota Tacoma Limited 4x4 pickup under 6,000 miles, automatic transmission, and 23 MPG, 2.4L gas engine is for sale right now under $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
Car Loan Payment	$744.65

(1) Car 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) 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.

2020 Toyota Tacoma SR V6

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This low mileage second hand 2020 Toyota Tacoma SR V6 4x4 pickup under 25,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now below $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,999
Est. Payment:	$745.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,492
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,999.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,447.88
Avg. DMV Fee	294.00
Cash Sale Price	$43,539.88
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	$43,539.88
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$745.03

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,999.00. 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.

2021 Jeep Wrangler Unlimited Sahara

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This low mileage preowned 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV below 18,000 miles, transmission, and 23 MPG, 3.6L gas engine is for sale right now below $39K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$38,888
Est. Payment:	$724.88 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,943
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,888.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,381.22
Avg. DMV Fee	294.00
Cash Sale Price	$42,362.22
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	$42,362.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$724.88

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,888.00. 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.

2021 Jeep Wrangler Unlimited Sahara

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This low mileage preowned 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV under 24,000 miles, transmission, and 23 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
Auto Finance Payment	$726.89

(1) Auto 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) 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 Lexus RX 350 Base

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This low mileage certified second hand 2021 Lexus RX 350 Base AWD SUV under 40,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now below $38K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$37,987
Est. Payment:	$708.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	39,726
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$37,987.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,327.16
Avg. DMV Fee	294.00
Cash Sale Price	$41,407.16
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	$41,407.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$708.54

(1) Car Loan calculations are based on the used car dealer's advertised price of $37,987.00. 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 $40,000 for Sale in the Greater Panama City Area

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

2022 Toyota RAV4 Hybrid Limited

2021 Lexus ES 350 F SPORT

2022 Ford Bronco Base Advanced

2025 Honda Odyssey EX-L

2021 Lincoln Nautilus Reserve

2024 Toyota Tacoma Limited

2020 Toyota Tacoma SR V6

2021 Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara

2021 Lexus RX 350 Base

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 Toyota RAV4 Hybrid Limited

Toyota RAV4 Hybrid Limited

2022 Toyota RAV4 Hybrid Limited Car Loan Estimate

2021 Lexus ES 350 F SPORT

Lexus ES 350 F SPORT

2021 Lexus ES 350 F SPORT Car Loan Estimate

2022 Ford Bronco Base Advanced

Ford Bronco Base Advanced

2022 Ford Bronco Base Advanced Car Loan Estimate

2025 Honda Odyssey EX-L

Honda Odyssey EX-L

2025 Honda Odyssey EX-L Car Loan Estimate

2021 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2021 Lincoln Nautilus Reserve Car Loan Estimate

2024 Toyota Tacoma Limited

Toyota Tacoma Limited

2024 Toyota Tacoma Limited Car Loan Estimate

2020 Toyota Tacoma SR V6

Toyota Tacoma SR V6

2020 Toyota Tacoma SR V6 Car Loan Estimate

2021 Jeep Wrangler Unlimited Sahara

Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara Car Loan Estimate

2021 Jeep Wrangler Unlimited Sahara

Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara Car Loan Estimate

2021 Lexus RX 350 Base

Lexus RX 350 Base

2021 Lexus RX 350 Base 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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