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

32 Preowned vehicles for sale in the Metro Panama City area priced below $40K. Search by payment, bodystyle, engine type, or drivetrain.

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

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State
FL
Credit Score / Avg. Rate
781-850 / 7.13%
Max Payment
$0.00
Down Payment
$0.00
Trade Value
$0.00
Trade Payoff
$0.00
Bad Credit Used Car Loans
Preowned 2022 Toyota RAV4 Hybrid Limited for Sale
2022 Toyota RAV4 Hybrid Limited

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This low mileage certified second hand 2022 Toyota RAV4 Hybrid Limited AWD SUV below 21,000 miles, cvt transmission, and 18 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
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Mileage: 20,694
Location: Panama City, FL
Preowned 2025 Kia Carnival LX for Sale
2025 Kia Carnival LX

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This low mileage used 2025 Kia Carnival LX FWD minivan below 17,000 miles, automatic transmission, and 18 MPG, 3.5L gas engine is for sale right now under $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
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Mileage: 17,361
Location: Panama City, FL
Preowned 2023 Ford F-250 Super Duty XL for Sale
2023 Ford F-250 Super Duty XL

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This below average mileage second hand 2023 Ford F-250 Super Duty XL RWD pickup below 63,000 miles, automatic transmission, and 18 MPG, 6.8L gas engine is for sale right now below $37K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price: $36,888
Est. Payment: $799.31 / 60 months @ 7.13% APR
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Mileage: 62,950
Location: Panama City, FL
Preowned 2021 Lexus ES 350 F SPORT for Sale
2021 Lexus ES 350 F SPORT

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This low mileage used 2021 Lexus ES 350 F SPORT FWD sedan below 41,000 miles, automatic transmission, and 18 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
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Mileage: 40,903
Location: Panama City, FL
Preowned 2023 Ford Explorer ST for Sale
2023 Ford Explorer ST

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This average mileage certified used 2023 Ford Explorer ST AWD SUV under 70,000 miles, automatic transmission, and 18 MPG, 3.0L gas engine is for sale right now under $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
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Mileage: 70,449
Location: Panama City, FL
Preowned 2025 Ford Mustang EcoBoost for Sale
2025 Ford Mustang EcoBoost

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This low mileage used 2025 Ford Mustang EcoBoost RWD coupe under 6,000 miles, automatic transmission, and 18 MPG, 2.3L gas engine is for sale right now below $37K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price: $36,988
Est. Payment: $690.42 / 72 months @ 7.13% APR
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Mileage: 5,669
Location: Marianna, FL
Preowned 2018 GMC Sierra 1500 Denali for Sale
2018 GMC Sierra 1500 Denali

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This low mileage preowned 2018 GMC Sierra 1500 Denali 4x4 pickup below 58,000 miles, automatic transmission, and 18 MPG, 5.3L gas engine is for sale right now under $38K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price: $37,444
Est. Payment: $749.68 / 66 months @ 7.13% APR
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Mileage: 58,040
Location: Panama City, FL
Preowned 2022 Ram 1500 Laramie for Sale
2022 Ram 1500 Laramie

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This average mileage certified used 2022 Ram 1500 Laramie 4x4 pickup under 86,000 miles, automatic transmission, and 18 MPG, 5.7L gas engine is for sale right now below $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
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Mileage: 86,299
Location: Panama City, FL
Preowned 2022 Ford Bronco Base Advanced for Sale
2022 Ford Bronco Base Advanced

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This low mileage certified preowned 2022 Ford Bronco Base Advanced 4x4 SUV under 55,000 miles, automatic transmission, and 18 MPG, 2.7L gas engine is for sale right now under $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
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Mileage: 55,483
Location: Panama City, FL
Preowned 2025 Nissan Frontier S for Sale
2025 Nissan Frontier S

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This low mileage certified second hand 2025 Nissan Frontier S 4x4 pickup below 21,000 miles, automatic transmission, and 18 MPG, 3.8L gas engine is for sale right now below $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
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Mileage: 21,105
Location: Panama City, FL
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