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.

Your Location

Filters

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

Customize Payments

Click the + Customize Payments button to tailor displayed auto loan payments to your preferences and credit rating. Our estimated payments assume great credit, $0 down, and encompass state taxes, as well as typical DMV and dealer document fees. Display more accurate payments by adjusting factors such as your state of residence, credit score, down payment, and trade-in value versus trade payoff. Get started now!

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 2023 Ford Explorer ST for Sale
2023 Ford Explorer ST

⇩ View Seller Description

This average mileage certified used 2023 Ford Explorer ST AWD SUV below 70,000 miles, automatic transmission, and 22 MPG, 3.0L gas engine is for sale right now below $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
Preowned 2025 Nissan Frontier S for Sale
2025 Nissan Frontier S

⇩ View Seller Description

This low mileage certified used 2025 Nissan Frontier S 4x4 pickup below 21,000 miles, automatic transmission, and 22 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
Preowned 2022 Ford Bronco Base Advanced for Sale
2022 Ford Bronco Base Advanced

⇩ View Seller Description

This low mileage certified used 2022 Ford Bronco Base Advanced 4x4 SUV below 55,000 miles, automatic transmission, and 22 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
Preowned 2020 Ford Expedition King Ranch for Sale
2020 Ford Expedition King Ranch

⇩ View Seller Description

This average mileage second hand 2020 Ford Expedition King Ranch RWD SUV below 72,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $37K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price: $36,988
Est. Payment: $875.65 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage: 72,329
Location: Marianna, FL
Preowned 2021 Jeep Wrangler Unlimited Sahara for Sale
2021 Jeep Wrangler Unlimited Sahara

⇩ View Seller Description

This low mileage used 2021 Jeep Wrangler Unlimited Sahara 4x4 SUV below 24,000 miles, transmission, and 22 MPG, 3.6L gas engine is for sale right now under $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
Preowned 2022 Toyota Tacoma TRD Off-Road for Sale
2022 Toyota Tacoma TRD Off-Road

⇩ View Seller Description

This low mileage preowned 2022 Toyota Tacoma TRD Off-Road 4x4 pickup below 28,000 miles, automatic transmission, and 22 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
Preowned 2021 Lexus ES 350 F SPORT for Sale
2021 Lexus ES 350 F SPORT

⇩ View Seller Description

This low mileage preowned 2021 Lexus ES 350 F SPORT FWD sedan under 41,000 miles, automatic transmission, and 22 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
Preowned 2020 Toyota Tacoma SR V6 for Sale
2020 Toyota Tacoma SR V6

⇩ View Seller Description

This low mileage second hand 2020 Toyota Tacoma SR V6 4x4 pickup under 25,000 miles, automatic transmission, and 22 MPG, 3.5L gas engine is for sale right now below $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price: $39,999
Est. Payment: $745.03 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage: 25,492
Location: Panama City, FL
Preowned 2023 Ford F-250 Super Duty XL for Sale
2023 Ford F-250 Super Duty XL

⇩ View Seller Description

This below average mileage second hand 2023 Ford F-250 Super Duty XL RWD pickup below 63,000 miles, automatic transmission, and 22 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
Preowned 2024 Toyota Tacoma Limited for Sale
2024 Toyota Tacoma Limited

⇩ View Seller Description

This low mileage used 2024 Toyota Tacoma Limited 4x4 pickup under 6,000 miles, automatic transmission, and 22 MPG, 2.4L gas engine is for sale right now under $40K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price: $39,978
Est. Payment: $744.65 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage: 5,655
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