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

2022 Toyota RAV4 Hybrid Limited

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This low mileage certified preowned 2022 Toyota RAV4 Hybrid Limited AWD SUV below 21,000 miles, cvt transmission, and 24 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 Honda Odyssey EX-L

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This low mileage certified second hand 2025 Honda Odyssey EX-L FWD minivan under 21,000 miles, automatic transmission, and 24 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
Auto Finance Payment	$726.73

(1) Auto Finance 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) 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.

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 24 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
Auto Loan Payment	$741.13

(1) Auto Loan 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 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.

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 24 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 TRD Sport

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This low mileage second hand 2023 Toyota Tacoma TRD Sport RWD pickup below 22,000 miles, automatic transmission, and 24 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:	$37,481
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 Chevrolet Silverado 1500 Custom

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This low mileage certified second hand 2025 Chevrolet Silverado 1500 Custom 4x4 pickup under 21,000 miles, automatic transmission, and 24 MPG, 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 Loan Payment	$672.32

(1) Car Loan 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 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

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This low mileage certified second hand 2023 Hyundai PALISADE Calligraphy AWD SUV below 56,000 miles, automatic transmission, and 24 MPG, 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.

2022 Toyota Tacoma TRD Off-Road

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This low mileage preowned 2022 Toyota Tacoma TRD Off-Road 4x4 pickup below 28,000 miles, automatic transmission, and 24 MPG, 3.5L gas engine is for sale right now under $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$39,444
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 Finance Payment	$734.97

(1) Auto Finance 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 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 Lincoln Corsair Premiere

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This low mileage preowned 2024 Lincoln Corsair Premiere FWD SUV under 17,000 miles, automatic transmission, and 24 MPG, 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
Auto Finance Payment	$726.64

(1) Auto Finance 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) 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 Ford Explorer XLT

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This low mileage certified used 2024 Ford Explorer XLT AWD SUV under 23,000 miles, automatic transmission, and 24 MPG, 2.3L gas engine is for sale right now under $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,481
Est. Payment:	$717.50 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	23,322
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,356.80
Avg. DMV Fee	294.00
Cash Sale Price	$41,930.80
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	$41,930.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$717.50

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,481.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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

2022 Toyota RAV4 Hybrid Limited

2025 Honda Odyssey EX-L

2025 Nissan Frontier S

2023 Ford F-250 Super Duty XL

2023 Toyota Tacoma TRD Sport

2025 Chevrolet Silverado 1500 Custom

2023 Hyundai PALISADE Calligraphy

2022 Toyota Tacoma TRD Off-Road

2024 Lincoln Corsair Premiere

2024 Ford Explorer XLT

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 Honda Odyssey EX-L

Honda Odyssey EX-L

2025 Honda Odyssey EX-L Car Loan Estimate

2025 Nissan Frontier S

Nissan Frontier S

2025 Nissan Frontier S 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 TRD Sport

Toyota Tacoma TRD Sport

2023 Toyota Tacoma TRD Sport Car Loan Estimate

2025 Chevrolet Silverado 1500 Custom

Chevrolet Silverado 1500 Custom

2025 Chevrolet Silverado 1500 Custom Car Loan Estimate

2023 Hyundai PALISADE Calligraphy

Hyundai PALISADE Calligraphy

2023 Hyundai PALISADE Calligraphy Car Loan Estimate

2022 Toyota Tacoma TRD Off-Road

Toyota Tacoma TRD Off-Road

2022 Toyota Tacoma TRD Off-Road Car Loan Estimate

2024 Lincoln Corsair Premiere

Lincoln Corsair Premiere

2024 Lincoln Corsair Premiere Car Loan Estimate

2024 Ford Explorer XLT

Ford Explorer XLT

2024 Ford Explorer XLT 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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