Shop Used Cars Under $350 a Month in Tampa, FL*
*$350/month payment based on a vehicle price of $23,800, with $5,000 down payment or trade-in equity, plus tax, title & license (TTL), financed for a 72-month term at 9.99% APR on approved credit. Not all buyers will qualify.
All offers on all vehicles are subject to change at the discretion of Rivard Buick GMC. Rebates and incentives may change at any time, without notice. Always check with us to confirm all information shown and get up-to-date pricing, rebate information, and availability. You may qualify for additional offers and savings. We are not obligated to uphold typographical and system errors on our website. EPA Estimates Only. Tax and government fees are extra.
The Manufacturer's Suggested Retail Price excludes tax, title, license, dealer fees and optional equipment. Dealer sets final price.
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Shop Used Cars Under $350 a Month in Tampa, FL*
*$350/month payment based on a vehicle price of $23,800, with $5,000 down payment or trade-in equity, plus tax, title & license (TTL), financed for a 72-month term at 9.99% APR on approved credit. Not all buyers will qualify.
Used Cars Under $350 a Month Across Tampa Bay
Located at 9740 Adamo Drive in Tampa, Rivard Buick GMC helps budget-focused shoppers across Tampa Bay and Central Florida find a used vehicle that fits a target monthly payment — not just a sticker price. Drivers within about 75 miles regularly make the trip because of our transparent One Price Promise, in-house financing options, and instant trade-in valuations that turn your current vehicle into a down payment.
Whether you're commuting from Pinellas County, heading north from Pasco, or driving up from Manatee and Sarasota, you can get pre-approved online before you arrive and shop the inventory above by the payment that works for you.
Hillsborough
- Brandon
- Riverview
- Valrico
- Seffner
- Plant City
- Temple Terrace
Pinellas
- St. Petersburg
- Clearwater
- Largo
- Pinellas Park
- Dunedin
Pasco & Hernando
- Wesley Chapel
- Land O' Lakes
- Zephyrhills
- New Port Richey
- Spring Hill
- Brooksville
Polk
- Lakeland
- Winter Haven
- Bartow
- Auburndale
Manatee & Sarasota
- Bradenton
- Palmetto
- Ellenton
- Sarasota
Financing Questions, Answered
How payments, down payments, and trade equity work when you shop by monthly budget.
How is the "under $350 a month" payment calculated?
The example uses a $23,800 vehicle price, a $5,000 down payment or trade equity, a 72-month term, and 9.99% APR on approved credit. That finances $18,800, which works out to roughly $348 per month before tax, title, and license. Vehicles priced at or below about $23,800 can land near or under $350 a month under those terms, though your actual payment depends on your credit, term, and the specific vehicle.
What's included in the $350 estimate — and what isn't?
The estimate covers principal and interest on the financed amount only. It does not include tax, title, and license (TTL), or optional products like an extended service contract or GAP coverage. Because Rivard Buick GMC follows our One Price Promise, there's no dealer fee or doc fee added on top of the vehicle price.
How does my down payment affect the monthly payment?
A larger down payment reduces the amount you finance, which lowers both your monthly payment and the total interest you pay over the loan. In the example, $5,000 down brings the financed amount to $18,800. Putting more down lowers the payment further; putting less down raises it.
What is trade equity, and how does it work like a down payment?
Trade equity is the difference between your current vehicle's appraised value and the amount you still owe on it. If the trade is worth more than your payoff, that positive equity can be applied as part or all of your down payment — in the example, $5,000 of trade equity works the same as $5,000 cash. If you owe more than the vehicle is worth, that negative equity typically rolls into the new loan and raises your payment. Get your trade's value here.
Will I get the 9.99% APR shown in the example?
Not necessarily. The 9.99% APR is an example rate for approved credit. Your actual APR depends on your credit profile, loan term, and the lender, so it may be higher or lower. A longer term lowers the monthly payment but increases total interest paid; a shorter term does the opposite.
What's the difference between vehicle price and the amount I finance?
The vehicle price is the cost of the car itself. The amount financed is the vehicle price minus your down payment and any trade equity, plus any taxes or fees you choose to roll into the loan. Your monthly payment is calculated on the amount financed — not on the sticker price.
How do I get pre-approved or apply for financing?
Apply online through our secure pre-approval form, or call us at (813) 280-0050. Our team can confirm your rate and term and help match the vehicles above to your target monthly payment.