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

2025 Nissan Frontier S

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This low mileage certified second hand 2025 Nissan Frontier S 4x4 pickup under 21,000 miles, automatic transmission, and 23 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
Car Finance Payment	$741.13

(1) Car 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) 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 second hand 2022 Ford Bronco Base Advanced 4x4 SUV under 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
Car Finance Payment	$776.46

(1) Car 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) 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.

2023 Ford Explorer ST

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This average mileage certified preowned 2023 Ford Explorer ST AWD SUV below 70,000 miles, automatic transmission, and 23 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 Loan Payment	$900.80

(1) Car 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) 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.

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.

2023 Ford F-250 Super Duty XL

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This below average mileage used 2023 Ford F-250 Super Duty XL RWD pickup below 63,000 miles, automatic transmission, and 23 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 Loan Payment	$799.31

(1) Auto Loan 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 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 60 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 preowned 2023 Toyota Tacoma Trail Special Edition 4x4 pickup under 43,000 miles, automatic transmission, and 23 MPG, 3.5L gas engine is for sale right now under $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 Finance Payment	$672.46

(1) Auto Finance 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 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.

2024 Jeep Gladiator Sport

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This low mileage second hand 2024 Jeep Gladiator Sport 4x4 pickup under 7,000 miles, automatic transmission, and 23 MPG, 3.6L gas engine is for sale right now under $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 Loan Payment	$743.00

(1) Auto Loan 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 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 Honda Odyssey EX-L

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This low mileage certified preowned 2025 Honda Odyssey EX-L FWD minivan below 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
Car Loan Payment	$726.73

(1) Car Loan 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) 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 Cadillac Escalade Luxury

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This average mileage second hand 2020 Cadillac Escalade Luxury 4x4 SUV below 84,000 miles, automatic transmission, and 23 MPG, 6.2L gas engine is for sale right now under $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,754
Est. Payment:	$1039.01 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	84,301
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,754.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,433.18
Avg. DMV Fee	294.00
Cash Sale Price	$43,280.18
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	$43,280.18
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$1039.01

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,754.00. 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.

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 Finance Payment	$708.54

(1) Car Finance 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 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

2022 Ford Bronco Base Advanced

2023 Ford Explorer ST

2021 Lincoln Nautilus Reserve

2023 Ford F-250 Super Duty XL

2023 Toyota Tacoma Trail Special Edition

2024 Jeep Gladiator Sport

2025 Honda Odyssey EX-L

2020 Cadillac Escalade Luxury

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

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S Car Loan Estimate

2022 Ford Bronco Base Advanced

Ford Bronco Base Advanced

2022 Ford Bronco Base Advanced Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2021 Lincoln Nautilus Reserve

Lincoln Nautilus Reserve

2021 Lincoln Nautilus Reserve 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

2023 Toyota Tacoma Trail Special Edition

Toyota Tacoma Trail Special Edition

2023 Toyota Tacoma Trail Special Edition Car Loan Estimate

2024 Jeep Gladiator Sport

Jeep Gladiator Sport

2024 Jeep Gladiator Sport Car Loan Estimate

2025 Honda Odyssey EX-L

Honda Odyssey EX-L

2025 Honda Odyssey EX-L Car Loan Estimate

2020 Cadillac Escalade Luxury

Cadillac Escalade Luxury

2020 Cadillac Escalade Luxury 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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