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The key for the XLT is a "regular" "remote entry" type key with push buttons. It's not a radio fob like the ones on trucks that have push-button ignition. So, yeah, I would imagine you could lock it with the key inside. Hope you know the keypad code. If not, you might be able to obtain it from a dealer if you give them your VIN number. After that, be sure to program your own personal code so this doesn't happen again.