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

2024 Jeep Gladiator Sport

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This low mileage preowned 2024 Jeep Gladiator Sport 4x4 pickup under 7,000 miles, automatic transmission, and 20 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
Car Finance Payment	$743.00

(1) Car 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) 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.

2025 Kia Carnival LX

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This low mileage preowned 2025 Kia Carnival LX FWD minivan below 17,000 miles, automatic transmission, and 20 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 Finance Payment	$671.74

(1) Car Finance 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 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 Toyota Tacoma TRD Off-Road

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This low mileage preowned 2022 Toyota Tacoma TRD Off-Road 4x4 pickup under 28,000 miles, automatic transmission, and 20 MPG, 3.5L gas engine is for sale right now below $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,444
Est. Payment:	$734.97 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,148
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,444.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,414.58
Avg. DMV Fee	294.00
Cash Sale Price	$42,951.58
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	$42,951.58
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$734.97

(1) Auto Loan calculations are based on the used car dealer's advertised price of $39,444.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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.

2021 Chevrolet Silverado 2500HD Custom

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This above average mileage used 2021 Chevrolet Silverado 2500HD Custom 4x4 pickup below 90,000 miles, automatic transmission, and 20 MPG, 6.6L gas engine is for sale right now under $36K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$35,887
Est. Payment:	$1056.88 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,113
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,887.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,201.16
Avg. DMV Fee	294.00
Cash Sale Price	$39,181.16
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	$39,181.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Car Finance Payment	$1056.88

(1) Car Finance calculations are based on the used car dealer's advertised price of $35,887.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 42 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 Nissan Frontier S

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This low mileage certified preowned 2025 Nissan Frontier S 4x4 pickup under 21,000 miles, automatic transmission, and 20 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
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.

2021 GMC Sierra 1500 SLT

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This average mileage preowned 2021 GMC Sierra 1500 SLT 4x4 pickup below 84,000 miles, transmission, and 20 MPG, 5.3L gas engine is for sale right now below $39K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$38,555
Est. Payment:	$1008.50 / 48 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	83,595
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,555.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,361.24
Avg. DMV Fee	294.00
Cash Sale Price	$42,009.24
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	$42,009.24
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	48
Car Finance Payment	$1008.50

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,555.00. 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 Jeep Wrangler Unlimited Sahara

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This low mileage second hand 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV under 24,000 miles, transmission, and 20 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
Car Loan Payment	$726.89

(1) Car Loan 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 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.

2022 Ram 1500 Laramie

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This average mileage certified preowned 2022 Ram 1500 Laramie 4x4 pickup below 86,000 miles, automatic transmission, and 20 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
Auto Loan Payment	$967.86

(1) Auto Loan 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) 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 48 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.

2024 Ford Ranger XLT

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This low mileage preowned 2024 Ford Ranger XLT 4x4 pickup below 20,000 miles, automatic transmission, and 20 MPG, 2.7L gas engine is for sale right now below $38K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$37,377
Est. Payment:	$697.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	20,288
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$37,377.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,290.56
Avg. DMV Fee	294.00
Cash Sale Price	$40,760.56
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	$40,760.56
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$697.47

(1) Auto Finance calculations are based on the used car dealer's advertised price of $37,377.00. 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.

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 20 MPG, 3.5L gas engine is for sale right now under $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
Auto Finance Payment	$745.03

(1) Auto Finance 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) 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

2024 Jeep Gladiator Sport

2025 Kia Carnival LX

2022 Toyota Tacoma TRD Off-Road

2021 Chevrolet Silverado 2500HD Custom

2025 Nissan Frontier S

2021 GMC Sierra 1500 SLT

2021 Jeep Wrangler Unlimited Sahara

2022 Ram 1500 Laramie

2024 Ford Ranger XLT

2020 Toyota Tacoma SR V6

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

2024 Jeep Gladiator Sport

Jeep Gladiator Sport

2024 Jeep Gladiator Sport Car Loan Estimate

2025 Kia Carnival LX

Kia Carnival LX

2025 Kia Carnival LX Car Loan Estimate

2022 Toyota Tacoma TRD Off-Road

Toyota Tacoma TRD Off-Road

2022 Toyota Tacoma TRD Off-Road Car Loan Estimate

2021 Chevrolet Silverado 2500HD Custom

Chevrolet Silverado 2500HD Custom

2021 Chevrolet Silverado 2500HD Custom Car Loan Estimate

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S Car Loan Estimate

2021 GMC Sierra 1500 SLT

GMC Sierra 1500 SLT

2021 GMC Sierra 1500 SLT Car Loan Estimate

2021 Jeep Wrangler Unlimited Sahara

Jeep Wrangler Unlimited Sahara

2021 Jeep Wrangler Unlimited Sahara Car Loan Estimate

2022 Ram 1500 Laramie

Ram 1500 Laramie

2022 Ram 1500 Laramie Car Loan Estimate

2024 Ford Ranger XLT

Ford Ranger XLT

2024 Ford Ranger XLT Car Loan Estimate

2020 Toyota Tacoma SR V6

Toyota Tacoma SR V6

2020 Toyota Tacoma SR V6 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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