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

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
+ 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.

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
+ 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 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
+ Expand Car Loan Details
Mileage:	62,950
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$36,888.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,261.22
Avg. DMV Fee	294.00
Cash Sale Price	$40,242.22
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	$40,242.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Finance Payment	$799.31

(1) Auto Finance calculations are based on the used car dealer's advertised price of $36,888.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 60 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

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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
+ 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.

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
+ 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
Car Finance Payment	$900.80

(1) Car Finance 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) 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 54 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 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
+ 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 Finance Payment	$690.42

(1) Auto Finance 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 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.

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
+ 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
Auto Finance Payment	$749.68

(1) Auto 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) 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.

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
+ 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.

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
+ 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 Loan Payment	$776.46

(1) Auto Loan 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 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 66 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 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
+ 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.

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

2025 Kia Carnival LX

2023 Ford F-250 Super Duty XL

2021 Lexus ES 350 F SPORT

2023 Ford Explorer ST

2025 Ford Mustang EcoBoost

2018 GMC Sierra 1500 Denali

2022 Ram 1500 Laramie

2022 Ford Bronco Base Advanced

2025 Nissan Frontier S

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

2025 Kia Carnival LX

Kia Carnival LX

2025 Kia Carnival LX Car Loan Estimate

2023 Ford F-250 Super Duty XL

Ford F-250 Super Duty XL

2023 Ford F-250 Super Duty XL Car Loan Estimate

2021 Lexus ES 350 F SPORT

Lexus ES 350 F SPORT

2021 Lexus ES 350 F SPORT Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2025 Ford Mustang EcoBoost

Ford Mustang EcoBoost

2025 Ford Mustang EcoBoost Car Loan Estimate

2018 GMC Sierra 1500 Denali

GMC Sierra 1500 Denali

2018 GMC Sierra 1500 Denali Car Loan Estimate

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Car Loan Estimate

2022 Ford Bronco Base Advanced

Ford Bronco Base Advanced

2022 Ford Bronco Base Advanced Car Loan Estimate

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S 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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