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

2022 Ford F-150 Lariat

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This below average mileage preowned 2022 Ford F-150 Lariat 4x4 pickup under 65,000 miles, automatic transmission, and 19 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:	$853.13 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	65,001
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⁾	60
Auto Loan Payment	$853.13

(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 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.

2024 Tesla Model Y Long Range

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This low mileage used 2024 Tesla Model Y Long Range AWD SUV under 28,000 miles, automatic transmission, and 0.0L electric engine is for sale right now below $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,364
Est. Payment:	$715.38 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,150
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,364.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,349.78
Avg. DMV Fee	294.00
Cash Sale Price	$41,806.78
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	$41,806.78
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$715.38

(1) Auto Finance calculations are based on the used car dealer's advertised price of $38,364.00. 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 Cadillac Escalade Luxury

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This average mileage used 2020 Cadillac Escalade Luxury 4x4 SUV under 84,000 miles, automatic transmission, and 19 MPG, 6.2L gas engine is for sale right now below $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
Auto Loan Payment	$1039.01

(1) Auto Loan 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) 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.

2022 Chevrolet Silverado 1500 Limited RST

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This average mileage certified used 2022 Chevrolet Silverado 1500 Limited RST 4x4 pickup below 76,000 miles, automatic transmission, and 19 MPG, 5.3L gas engine is for sale right now under $39K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$38,996
Est. Payment:	$921.85 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	75,789
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$38,996.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,387.70
Avg. DMV Fee	294.00
Cash Sale Price	$42,476.70
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	$42,476.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Car Finance Payment	$921.85

(1) Car Finance calculations are based on the used car dealer's advertised price of $38,996.00. 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.

2021 Lexus ES 350 F SPORT

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This low mileage used 2021 Lexus ES 350 F SPORT FWD sedan under 41,000 miles, automatic transmission, and 19 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
Auto Loan Payment	$680.55

(1) Auto Loan 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) 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 Ford F-150 XLT

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This low mileage second hand 2025 Ford F-150 XLT RWD pickup below 38,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now under $40K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$39,795
Est. Payment:	$741.33 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	38,407
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,795.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,435.64
Avg. DMV Fee	294.00
Cash Sale Price	$43,323.64
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	$43,323.64
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$741.33

(1) Car Finance calculations are based on the used car dealer's advertised price of $39,795.00. 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 Limited

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This low mileage second hand 2023 Ford Explorer Limited RWD SUV below 24,000 miles, automatic transmission, and 19 MPG, 2.3L gas engine is for sale right now under $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:	23,674
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 Chevrolet Colorado Z71

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This low mileage certified preowned 2023 Chevrolet Colorado Z71 4x4 pickup below 53,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now below $36K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$35,934
Est. Payment:	$720.30 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	52,628
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$35,934.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,203.98
Avg. DMV Fee	294.00
Cash Sale Price	$39,230.98
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	$39,230.98
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$720.30

(1) Auto Finance calculations are based on the used car dealer's advertised price of $35,934.00. 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.

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 19 MPG, 3.0L gas engine is for sale right now under $37K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$36,223
Est. Payment:	$858.06 / 54 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	70,454
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$36,223.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,221.32
Avg. DMV Fee	294.00
Cash Sale Price	$39,537.32
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	$39,537.32
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	54
Auto Loan Payment	$858.06

(1) Auto Loan calculations are based on the used car dealer's advertised price of $36,223.00. 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 54 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 Colorado Trail Boss

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This low mileage certified second hand 2025 Chevrolet Colorado Trail Boss 4x4 pickup below 17,000 miles, automatic transmission, and 19 MPG, 2.7L gas engine is for sale right now below $40K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$39,991
Est. Payment:	$744.89 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	17,404
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$39,991.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,447.40
Avg. DMV Fee	294.00
Cash Sale Price	$43,531.40
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	$43,531.40
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$744.89

(1) Car Loan calculations are based on the used car dealer's advertised price of $39,991.00. 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.

Used Cars under $40,000 for Sale in the Greater Panama City Area

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

2022 Ford F-150 Lariat

2024 Tesla Model Y Long Range

2020 Cadillac Escalade Luxury

2022 Chevrolet Silverado 1500 Limited RST

2021 Lexus ES 350 F SPORT

2025 Ford F-150 XLT

2023 Ford Explorer Limited

2023 Chevrolet Colorado Z71

2023 Ford Explorer ST

2025 Chevrolet Colorado Trail Boss

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 Ford F-150 Lariat

Ford F-150 Lariat

2022 Ford F-150 Lariat Car Loan Estimate

2024 Tesla Model Y Long Range

Tesla Model Y Long Range

2024 Tesla Model Y Long Range Car Loan Estimate

2020 Cadillac Escalade Luxury

Cadillac Escalade Luxury

2020 Cadillac Escalade Luxury Car Loan Estimate

2022 Chevrolet Silverado 1500 Limited RST

Chevrolet Silverado 1500 Limited RST

2022 Chevrolet Silverado 1500 Limited RST Car Loan Estimate

2021 Lexus ES 350 F SPORT

Lexus ES 350 F SPORT

2021 Lexus ES 350 F SPORT Car Loan Estimate

2025 Ford F-150 XLT

Ford F-150 XLT

2025 Ford F-150 XLT Car Loan Estimate

2023 Ford Explorer Limited

Ford Explorer Limited

2023 Ford Explorer Limited Car Loan Estimate

2023 Chevrolet Colorado Z71

Chevrolet Colorado Z71

2023 Chevrolet Colorado Z71 Car Loan Estimate

2023 Ford Explorer ST

Ford Explorer ST

2023 Ford Explorer ST Car Loan Estimate

2025 Chevrolet Colorado Trail Boss

Chevrolet Colorado Trail Boss

2025 Chevrolet Colorado Trail Boss 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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