Secure Auto Financing Through Bay Cars & Drive Your Next Car Home

Up until now, you've been a car shopper, searching for the right Car, Truck or SUV for your needs. Now that you've found the one that speaks to you, you're ready to be a car owner. Bay Cars is happy to help with automotive financing solutions that are tailor-made for drivers from Panama City FL, Lynn Haven FL, Southport FL, Destin FL and Niceville FL, like you.

Should You Finance or Lease Your Next Car?

Both financing and leasing have their own sets of perks, but which path is best for you? Well, that depends on your preferences. When you buy a car, it's yours once you pay off the loan and you can build equity. Leasing, on the other hand, offers lower monthly payments and more opportunities to drive brand-new Hyundai, Ram, Mitsubishi, Jeep and Dodge models every few years. We can provide you with more details so that you can enjoy the utmost confidence in your decision to go with an auto loan or lease, so we encourage you to reach out to us to learn more.

Find out just how easy financing your next car can be with the help of Bay Cars


While financing a car can be a trying endeavor at other dealerships around Lynn Haven FL, Southport FL, Destin FL and Niceville FL these days, you'll find it refreshingly simple here at Bay Cars. Feel free to fill out our online credit application to save some time, or drop by our dealership to ask our team any questions you might have.

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Bay Cars

622, 636, and 641 W 15TH ST
Directions Panama City, FL 32401

  • Sales: 850-250-4810
  • Service: 850-250-4810
  • Parts: 850-250-4810


  • Monday 9:00am - 7:00pm
  • Tuesday 9:00am - 7:00pm
  • Wednesday 9:00am - 7:00pm
  • Thursday 9:00am - 7:00pm
  • Friday 9:00am - 7:00pm
  • Saturday 9:00am - 7:00pm
  • Sunday Closed