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

2025 Ford F-150 STX

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This low mileage second hand 2025 Ford F-150 STX 4x4 pickup below 37,000 miles, automatic transmission, and 18 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.

2016 Chevrolet Corvette Stingray Z51

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This low mileage certified second hand 2016 Chevrolet Corvette Stingray Z51 RWD coupe below 47,000 miles, automatic transmission, and 18 MPG, 6.2L gas engine is for sale right now below $41K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$40,998
Est. Payment:	$763.15 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	47,153
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$40,998.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,507.82
Avg. DMV Fee	294.00
Cash Sale Price	$44,598.82
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	$44,598.82
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Finance Payment	$763.15

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,998.00. 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.

2019 Ford F-250 Super Duty King Ranch

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This high mileage used 2019 Ford F-250 Super Duty King Ranch 4x4 pickup under 190,000 miles, automatic transmission, and 18 MPG, 6.7L diesel engine is for sale right now under $43K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$42,312
Est. Payment:	$1678.28 / 30 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	190,269
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$42,312.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,586.66
Avg. DMV Fee	294.00
Cash Sale Price	$45,991.66
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	$45,991.66
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	30
Car Loan Payment	$1678.28

(1) Car Loan calculations are based on the used car dealer's advertised price of $42,312.00. 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 30 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.

2024 Volkswagen Atlas SEL Premium R-Line 4Motion

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This low mileage certified second hand 2024 Volkswagen Atlas SEL Premium R-Line 4Motion AWD SUV under 22,000 miles, automatic transmission, and 18 MPG, 2.0L gas engine is for sale right now under $41K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$40,358
Est. Payment:	$751.54 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	21,663
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$40,358.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,469.42
Avg. DMV Fee	294.00
Cash Sale Price	$43,920.42
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	$43,920.42
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Loan Payment	$751.54

(1) Car Loan calculations are based on the used car dealer's advertised price of $40,358.00. 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 Lincoln Aviator Reserve

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This low mileage preowned 2022 Lincoln Aviator Reserve AWD SUV under 29,000 miles, automatic transmission, and 18 MPG, 3.0L gas engine is for sale right now below $44K at Chipola Ford in Marianna, FL. ...View More Details

Sales Price:	$43,596
Est. Payment:	$810.28 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	29,166
Location:	Marianna, FL

Item	Amount
Used Car Price⁽¹⁾	$43,596.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,663.70
Avg. DMV Fee	294.00
Cash Sale Price	$47,352.70
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	$47,352.70
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$810.28

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,596.00. 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 Toyota Tundra SR5

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This low mileage preowned 2025 Toyota Tundra SR5 4x4 pickup under 20,000 miles, automatic transmission, and 18 MPG, 3.4L gas engine is for sale right now under $45K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$44,990
Est. Payment:	$835.56 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,742
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$44,990.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,747.34
Avg. DMV Fee	294.00
Cash Sale Price	$48,830.34
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	$48,830.34
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Auto Loan Payment	$835.56

(1) Auto Loan calculations are based on the used car dealer's advertised price of $44,990.00. Pre-Owned vehicles dealer's often adjust the used car price based on market conditions and the age of the used car.

(2) Auto 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 Ranger Lariat

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This low mileage certified preowned 2025 Ford Ranger Lariat RWD pickup under 16,000 miles, automatic transmission, and 18 MPG, 2.3L gas engine is for sale right now under $44K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$43,481
Est. Payment:	$808.19 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	16,474
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$43,481.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,656.80
Avg. DMV Fee	294.00
Cash Sale Price	$47,230.80
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	$47,230.80
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$808.19

(1) Car Finance calculations are based on the used car dealer's advertised price of $43,481.00. 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.

2025 Honda Pilot TrailSport

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This low mileage certified preowned 2025 Honda Pilot TrailSport AWD SUV under 20,000 miles, automatic transmission, and 18 MPG, 3.5L gas engine is for sale right now under $45K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$44,338
Est. Payment:	$823.73 / 72 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	19,749
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$44,338.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,708.22
Avg. DMV Fee	294.00
Cash Sale Price	$48,139.22
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	$48,139.22
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	72
Car Finance Payment	$823.73

(1) Car Finance calculations are based on the used car dealer's advertised price of $44,338.00. 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 Tundra SR5

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This low mileage preowned 2022 Toyota Tundra SR5 RWD pickup below 25,000 miles, automatic transmission, and 18 MPG, 3.4L gas engine is for sale right now under $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
Auto Loan Payment	$797.43

(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 Toyota 4Runner TRD Off-Road

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This low mileage certified second hand 2023 Toyota 4Runner TRD Off-Road 4x4 SUV below 59,000 miles, automatic transmission, and 18 MPG, 4.0L gas engine is for sale right now below $41K at Autonation Ford Panama City in Panama City, FL. ...View More Details

Sales Price:	$40,374
Est. Payment:	$806.71 / 66 months @ 7.13% APR
+ Expand Car Loan Details
Mileage:	59,146
Location:	Panama City, FL

Item	Amount
Used Car Price⁽¹⁾	$40,374.00
Avg. Dealer Doc Fee	799.00
FL Sales Tax (6%)	2,470.38
Avg. DMV Fee	294.00
Cash Sale Price	$43,937.38
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	$43,937.38
Interest Rate (APR)⁽³⁾	7.13%
Term / Months⁽³⁾	66
Auto Finance Payment	$806.71

(1) Auto Finance calculations are based on the used car dealer's advertised price of $40,374.00. 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.

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 F-150 STX

2016 Chevrolet Corvette Stingray Z51

2019 Ford F-250 Super Duty King Ranch

2024 Volkswagen Atlas SEL Premium R-Line 4Motion

2022 Lincoln Aviator Reserve

2025 Toyota Tundra SR5

2025 Ford Ranger Lariat

2025 Honda Pilot TrailSport

2022 Toyota Tundra SR5

2023 Toyota 4Runner TRD Off-Road

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 F-150 STX

Ford F-150 STX

2025 Ford F-150 STX Car Loan Estimate

2016 Chevrolet Corvette Stingray Z51

Chevrolet Corvette Stingray Z51

2016 Chevrolet Corvette Stingray Z51 Car Loan Estimate

2019 Ford F-250 Super Duty King Ranch

Ford F-250 Super Duty King Ranch

2019 Ford F-250 Super Duty King Ranch Car Loan Estimate

2024 Volkswagen Atlas SEL Premium R-Line 4Motion

Volkswagen Atlas SEL Premium R-Line 4Motion

2024 Volkswagen Atlas SEL Premium R-Line 4Motion Car Loan Estimate

2022 Lincoln Aviator Reserve

Lincoln Aviator Reserve

2022 Lincoln Aviator Reserve Car Loan Estimate

2025 Toyota Tundra SR5

Toyota Tundra SR5

2025 Toyota Tundra SR5 Car Loan Estimate

2025 Ford Ranger Lariat

Ford Ranger Lariat

2025 Ford Ranger Lariat Car Loan Estimate

2025 Honda Pilot TrailSport

Honda Pilot TrailSport

2025 Honda Pilot TrailSport Car Loan Estimate

2022 Toyota Tundra SR5

Toyota Tundra SR5

2022 Toyota Tundra SR5 Car Loan Estimate

2023 Toyota 4Runner TRD Off-Road

Toyota 4Runner TRD Off-Road

2023 Toyota 4Runner TRD Off-Road 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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