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

2025 Nissan Frontier S

⇩ View Seller Description

This low mileage certified second hand 2025 Nissan Frontier S 4x4 pickup below 21,000 miles, automatic transmission, and 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 Finance Payment	$741.13

(1) Auto Finance 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 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 Toyota Tacoma TRD Sport

⇩ View Seller Description

This low mileage used 2023 Toyota Tacoma TRD Sport RWD pickup below 22,000 miles, automatic transmission, and 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:	$37,481
Est. Payment:	$699.36 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	22,386
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$37,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,296.80
Avg. DMV Fee	294.00
Cash Sale Price	$40,870.80
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	$40,870.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$699.36

(1) Auto Loan calculations are based on the used car dealer's advertised price of $37,481.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Kia Carnival LX

⇩ View Seller Description

This low mileage second hand 2025 Kia Carnival LX FWD minivan below 17,000 miles, automatic transmission, and 3.5L gas engine is for sale right now below $36K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$35,958
Est. Payment:	$671.74 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,361
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,958.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,205.42
Avg. DMV Fee	294.00
Cash Sale Price	$39,256.42
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	$39,256.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$671.74

(1) Car Loan calculations are based on the used car dealer's advertised price of $35,958.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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.

2023 Hyundai PALISADE Calligraphy

⇩ View Seller Description

This low mileage certified used 2023 Hyundai PALISADE Calligraphy AWD SUV under 56,000 miles, automatic transmission, and 3.8L gas engine is for sale right now below $36K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$35,983
Est. Payment:	$721.25 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	56,353
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,983.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,206.92
Avg. DMV Fee	294.00
Cash Sale Price	$39,282.92
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	$39,282.92
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$721.25

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,983.00. 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 66 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 Jeep Gladiator Sport

⇩ View Seller Description

This low mileage used 2024 Jeep Gladiator Sport 4x4 pickup under 7,000 miles, automatic transmission, and 3.6L gas engine is for sale right now below $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,887
Est. Payment:	$743.00 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	6,970
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,887.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,441.16
Avg. DMV Fee	294.00
Cash Sale Price	$43,421.16
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	$43,421.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$743.00

(1) Auto Finance calculations are based on the used car dealer's advertised price of $39,887.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 ES 350 F SPORT

⇩ View Seller Description

This low mileage used 2021 Lexus ES 350 F SPORT FWD sedan under 41,000 miles, automatic transmission, and 3.5L gas engine is for sale right now under $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.

2018 GMC Sierra 1500 Denali

⇩ View Seller Description

This low mileage used 2018 GMC Sierra 1500 Denali 4x4 pickup under 58,000 miles, automatic transmission, and 5.3L gas engine is for sale right now below $38K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$37,444
Est. Payment:	$749.68 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	58,040
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$37,444.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,294.58
Avg. DMV Fee	294.00
Cash Sale Price	$40,831.58
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	$40,831.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Car Finance Payment	$749.68

(1) Car Finance calculations are based on the used car dealer's advertised price of $37,444.00. 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 66 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 Lincoln Corsair Premiere

⇩ View Seller Description

This low mileage preowned 2024 Lincoln Corsair Premiere FWD SUV under 17,000 miles, automatic transmission, and 2.0L gas engine is for sale right now below $39K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$38,985
Est. Payment:	$726.64 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,601
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$38,985.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,387.04
Avg. DMV Fee	294.00
Cash Sale Price	$42,465.04
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	$42,465.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$726.64

(1) Car Loan calculations are based on the used car dealer's advertised price of $38,985.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 Chevrolet Silverado 1500 Custom

⇩ View Seller Description

This low mileage certified used 2025 Chevrolet Silverado 1500 Custom 4x4 pickup below 21,000 miles, automatic transmission, and 2.7L gas engine is for sale right now under $36K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$35,990
Est. Payment:	$672.32 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,081
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,990.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,207.34
Avg. DMV Fee	294.00
Cash Sale Price	$39,290.34
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	$39,290.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$672.32

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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.

2021 Jeep Wrangler Unlimited Sahara

⇩ View Seller Description

This low mileage preowned 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV under 24,000 miles, transmission, and 3.6L gas engine is for sale right now under $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.

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

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

2025 Nissan Frontier S

2023 Toyota Tacoma TRD Sport

2025 Kia Carnival LX

2023 Hyundai PALISADE Calligraphy

2024 Jeep Gladiator Sport

2021 Lexus ES 350 F SPORT

2018 GMC Sierra 1500 Denali

2024 Lincoln Corsair Premiere

2025 Chevrolet Silverado 1500 Custom

2021 Jeep Wrangler Unlimited Sahara

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

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S Car Loan Estimate

2023 Toyota Tacoma TRD Sport

Toyota Tacoma TRD Sport

2023 Toyota Tacoma TRD Sport Car Loan Estimate

2025 Kia Carnival LX

Kia Carnival LX

2025 Kia Carnival LX Car Loan Estimate

2023 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2023 Hyundai PALISADE Calligraphy Car Loan Estimate

2024 Jeep Gladiator Sport

Jeep Gladiator Sport

2024 Jeep Gladiator Sport Car Loan Estimate

2021 Lexus ES 350 F SPORT

Lexus ES 350 F SPORT

2021 Lexus ES 350 F SPORT Car Loan Estimate

2018 GMC Sierra 1500 Denali

GMC Sierra 1500 Denali

2018 GMC Sierra 1500 Denali Car Loan Estimate

2024 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2024 Lincoln Corsair Premiere Car Loan Estimate

2025 Chevrolet Silverado 1500 Custom

Chevrolet Silverado 1500 Custom

2025 Chevrolet Silverado 1500 Custom Car Loan Estimate

2021 Jeep Wrangler Unlimited Sahara

Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara 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

Customize Payments

Find Financing

Customize Payments