Panama City, FL Area Used Cars Under $45,000

2025 Ford Ranger Lariat

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This low mileage certified used 2025 Ford Ranger Lariat RWD pickup below 16,000 miles, automatic transmission, and 21 MPG, 2.3L gas engine is for sale right now below $42K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$41,525
Est. Payment:	$772.71 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,474
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$41,525.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,539.44
Avg. DMV Fee	294.00
Cash Sale Price	$45,157.44
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	$45,157.44
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$772.71

(1) Car Loan calculations are based on the used car dealer's advertised price of $41,525.00. 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 Ford F-150 XL

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This low mileage certified used 2025 Ford F-150 XL 4x4 pickup below 16,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now under $42K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$41,481
Est. Payment:	$771.91 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,438
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$41,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,536.80
Avg. DMV Fee	294.00
Cash Sale Price	$45,110.80
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	$45,110.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$771.91

(1) Auto Loan calculations are based on the used car dealer's advertised price of $41,481.00. 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.

2023 Ford F-150 XL

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This low mileage certified second hand 2023 Ford F-150 XL RWD pickup below 24,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now below $41K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$40,987
Est. Payment:	$762.95 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	24,082
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$40,987.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,507.16
Avg. DMV Fee	294.00
Cash Sale Price	$44,587.16
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	$44,587.16
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$762.95

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,987.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Car 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 Chevrolet Silverado 1500 LT Trail Boss

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This below average mileage used 2022 Chevrolet Silverado 1500 LT Trail Boss 4x4 pickup below 60,000 miles, automatic transmission, and 21 MPG, 6.2L gas engine is for sale right now under $44K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$43,085
Est. Payment:	$929.79 / 60 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	60,097
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$43,085.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,633.04
Avg. DMV Fee	294.00
Cash Sale Price	$46,811.04
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	$46,811.04
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	60
Auto Loan Payment	$929.79

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,085.00. 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.

2021 GMC Sierra 3500HD SLE

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This above average mileage certified preowned 2021 GMC Sierra 3500HD SLE 4x4 pickup under 91,000 miles, transmission, and 21 MPG, 6.6L diesel engine is for sale right now below $44K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$43,912
Est. Payment:	$1286.33 / 42 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	90,819
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$43,912.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,682.66
Avg. DMV Fee	294.00
Cash Sale Price	$47,687.66
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	$47,687.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	42
Auto Loan Payment	$1286.33

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,912.00. 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 42 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 Lincoln Aviator Reserve

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This low mileage used 2022 Lincoln Aviator Reserve AWD SUV below 29,000 miles, automatic transmission, and 21 MPG, 3.0L gas engine is for sale right now below $44K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$43,836
Est. Payment:	$814.63 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,475
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$43,836.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,678.10
Avg. DMV Fee	294.00
Cash Sale Price	$47,607.10
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	$47,607.10
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$814.63

(1) Auto Loan calculations are based on the used car dealer's advertised price of $43,836.00. 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.

2024 Ford Bronco Badlands

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This low mileage certified second hand 2024 Ford Bronco Badlands 4x4 SUV below 29,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now under $45K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$44,489
Est. Payment:	$826.47 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	28,783
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$44,489.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,717.28
Avg. DMV Fee	294.00
Cash Sale Price	$48,299.28
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	$48,299.28
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$826.47

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,489.00. 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 Bronco Outer Banks Advanced

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This low mileage certified used 2023 Ford Bronco Outer Banks Advanced 4x4 SUV below 21,000 miles, automatic transmission, and 21 MPG, 2.3L gas engine is for sale right now below $44K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$43,771
Est. Payment:	$813.45 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,066
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$43,771.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,674.20
Avg. DMV Fee	294.00
Cash Sale Price	$47,538.20
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	$47,538.20
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$813.45

(1) Car Loan calculations are based on the used car dealer's advertised price of $43,771.00. 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 Ford F-150 STX

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This low mileage preowned 2025 Ford F-150 STX 4x4 pickup below 37,000 miles, automatic transmission, and 21 MPG, 2.7L gas engine is for sale right now under $43K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$42,888
Est. Payment:	$797.43 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	37,099
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$42,888.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,621.22
Avg. DMV Fee	294.00
Cash Sale Price	$46,602.22
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	$46,602.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$797.43

(1) Auto Loan calculations are based on the used car dealer's advertised price of $42,888.00. 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 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.

2022 Toyota Tundra SR5

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This low mileage second hand 2022 Toyota Tundra SR5 RWD pickup under 25,000 miles, automatic transmission, and 21 MPG, 3.4L gas engine is for sale right now below $43K at Bay Lincoln in Panama City, FL. ...View More Details

Sales Price:	$42,888
Est. Payment:	$797.43 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	25,006
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$42,888.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,621.22
Avg. DMV Fee	294.00
Cash Sale Price	$46,602.22
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	$46,602.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$797.43

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,888.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) 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 $45,000 for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles Priced Below $45,000

2025 Ford Ranger Lariat

2025 Ford F-150 XL

2023 Ford F-150 XL

2022 Chevrolet Silverado 1500 LT Trail Boss

2021 GMC Sierra 3500HD SLE

2022 Lincoln Aviator Reserve

2024 Ford Bronco Badlands

2023 Ford Bronco Outer Banks Advanced

2025 Ford F-150 STX

2022 Toyota Tundra SR5

Greater Panama City Area Cities with Used Cars for Sale Below $45K

Metro Panama City Area Counties with Used Cars for Sale Below $45,000

Used Cars under $45,000 for Sale in the Greater Panama City Area

Metro Panama City Secondhand Used Vehicles Priced Below $45,000

2025 Ford Ranger Lariat

Ford Ranger Lariat

2025 Ford Ranger Lariat Car Loan Estimate

2025 Ford F-150 XL

Ford F-150 XL

2025 Ford F-150 XL Car Loan Estimate

2023 Ford F-150 XL

Ford F-150 XL

2023 Ford F-150 XL Car Loan Estimate

2022 Chevrolet Silverado 1500 LT Trail Boss

Chevrolet Silverado 1500 LT Trail Boss

2022 Chevrolet Silverado 1500 LT Trail Boss Car Loan Estimate

2021 GMC Sierra 3500HD SLE

GMC Sierra 3500HD SLE

2021 GMC Sierra 3500HD SLE Car Loan Estimate

2022 Lincoln Aviator Reserve

Lincoln Aviator Reserve

2022 Lincoln Aviator Reserve Car Loan Estimate

2024 Ford Bronco Badlands

Ford Bronco Badlands

2024 Ford Bronco Badlands Car Loan Estimate

2023 Ford Bronco Outer Banks Advanced

Ford Bronco Outer Banks Advanced

2023 Ford Bronco Outer Banks Advanced Car Loan Estimate

2025 Ford F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

2022 Toyota Tundra SR5

Toyota Tundra SR5

2022 Toyota Tundra SR5 Car Loan Estimate

Greater Panama City Area Cities with Used Cars for Sale Below $45K

Metro Panama City Area Counties with Used Cars for Sale Below $45,000

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