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Used 2020 BMW X5 xDrive40i for sale near Cliffside Park, NJ

Filters 6 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
16 matches 30 miles from 07010
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Jet Black
Int. color: Canberra Beige
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Turbo
Stock #: MAJ3480
VIN: 5UXCR6C04L9D64151

Features

Convenience: Automatic Parking, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, HomeLink, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

DCH Montclair Acura review

Love my Acura

This is my third car with Tony and it’s always such a great experience. it is always such a smooth process when working with him.

2020 BMW X5 xDrive40i review

Ultimate Depreciation Machine.

1. BMW has relinquished transmission service, WHY? They DO NOT make their transmissions and the builder, another German company does and has a full service recommend sheet, with miles and correct fluids, et al. Now that's a load of crap. All transmission need servicing like any part with fluid traveling through it! So when your Trany goes out, you are looking a $4000+ easy, Thanks BMW for that PLANNED OBSELENCE! 2. No dip stick and access to change your oil or the very small oil gasket, NOT THE OIL FILTER, will cost you over $1000 in labor, TO ACCESS and a $14.08 part! 3. Ridiculous depreciation the minute you drive off the lot. I can buy a 2022 X7, retailing north of $95,000 for around. $50,000 and CPO/Certified with around 35-45,000 miles. 4. Very fun to drive, quality feel, twin turbo power I like, the profile is amazing on my 2017 X5. Don't like the body style changes. 5. You pay $65,000 or more and have to pay extra, with one package to get the Harmon Kardon stereo. xxxx, for that much in the price tag I should get the Bowers and Wilkins. 6. 9.5 and 10.5 wheels and tires make it look "mean". But no rotation and you will wear out the front tires in about 25,000 miles. Run flats are harsh and do not last. So, get an "S" model and gain gas mileage, rotate and balance tires and unless you live in a cold climate, the XDrive is a waste of additional sticker shock. of money. 10. The interior colors, mine is brown leather, are nauseating, at best. Orange looking leather, white leather-are you kidding me? And, the old standby Black!

Vehicle information

Ext. color: Mineral White Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: 13902
VIN: 5UXCR6C05L9B79736

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, CD Player, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Quality Auto Center of Springfield review

Walked in thinking I'd get denied again, but they made it

Walked in thinking I'd get denied again, but they made it happen. Bad credit is not a big problem here. Finance mng helped to get approval and didn’t make me feel weird about it. Car looked exactly like the pics online, no games, and definitely different from other spots.

2020 BMW X5 xDrive40i review

BMW Power WOW!

Beast of an engine twin turbo 8 Cyl, I can't wait for my next one M Series even more Torque and HorsePower, Tech is really lovely.

Vehicle information

Ext. color: Arctic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Turbo
Stock #: 25-1573A
VIN: 5UXCR6C01L9B43123

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Benzel-Busch Motor Car review

Steven David Benzel Busch

I rarely write reviews and for the very few times I have done so in my life time, it was always to point out a bad service. HOWEVER. I had exceptional experience purchasing my E400 Coupe with Steven David from Benzel Busch. Since getting my first license back when I was 16, I bought and sold 10 different cars and Steven by far exceeded any of the sales person I have worked in the past. He was very responsive to all of my emails and phone calls. I almost got a reply back within 5 minutes from sending an email and we had many emails back and forth as I was purchasing a vehicle out of state. He was very detailed and truthful when describing a vehicle that I was purchasing. There were few times where he reached out to me first on items normally you wouldn't expect sales person to. Thank you, Hyunbin

2020 BMW X5 xDrive40i review

BMW x5

I’ve been totally impressed with this SAV very solid in every aspect closing the doors I previously had and Chevys all my life and this goes above and beyond

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: 4535PP
VIN: 5UXCR6C00L9B73858

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Power Motors NYC Inc review

The staff at power motors are absolutely amazing!

The staff at power motors are absolutely amazing! I was helped out by an amazing gentleman named Jamal, and he was a great help along with the rest of the staff. They made sure I left happy, with the car I came for!

2020 BMW X5 xDrive40i review

Best car at this times

The car is spectacular, it only brings a defect to me concern, the star/stop bottom does not have the option to deactivate it, although in sport mode it is not bad. In areas of uneven pavement the car jumps like a rabbit, it's not comfortable, but smooth is not bad. The car is almost perfect except for those two things, and very economical in the city, spectacular on the highway and off roads or mountains, it is super good and capable. Mine has not brought mechanical or electrical problems. super nice everything

Vehicle information

Ext. color: Arctic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8 speed automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: 49852M
VIN: 5UXCR6C07L9B60704

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Import Masters review

Luis, my sales rep, was helpful and professional!

I recently had a great shopping experience at European Masters with a salesperson Luis. He was very courteous and professional, obviously having customer`s best interest in mind. I initially contacted them over the phone and spoke to melissa, an internet sales rep. She politely answered all my questions and made an appointment for the following Monday. Upon arrival a vehicle of my interest was all prepped and shining. All in all I did spend there quite some time including a test drive, applying for financing, which turned out to be of better terms than my own that I previously was approved for and signing a contract. At the end of the day I drove off in my new car and was very satisfied with the process. Being a 3yr old the car had a highway mileage in Pennsylvania and drove and felt like new. Before this place I shopped in two other dealerships in Long Island and they both felt very disorganised and unprofessional. This place has a great selection of premium higher-end European cars, mostly BMW, Benz, Porsche. The condition of each looked top notch. And best part was that they walk their talk by following their promise and reconditioning some worn off part that didn`t look the best. Thank you, guys, thank you, Luis.

2020 BMW X5 xDrive40i review

2020 BMW X5

This BMW X5 is by far the nicest vehicle we have owned. It is very quiet and rides smooth. Also, the 3.0 six cylinder get great gas mileage and more power than we need.

Vehicle information

Ext. color: Phytonic Blue Metallic
Int. color: Coffee
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: UB61776
VIN: 5UXCR6C04L9B61776

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, CD Player, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Route 23 Nissan review

Afther shoping arround Luis diaz got me the best deal

Afther shoping arround Luis diaz got me the best deal highly recommend route23 nissan come check them out

Vehicle information

Ext. color: Alpine White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Turbo
Stock #: 5212
VIN: 5UXCR6C09LLL75212

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Bluetooth®, HomeLink
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Arctic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: 084250
VIN: 5UXCR6C04L9C94313

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, CD Player, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Queens Auto Mall review

Mr. Huan is a good and friendly

Mr. Huan is nice and friendly sales person, tried to show all the cars I was looking for. Prices on the web are not for any indiviual customer.

Vehicle information

Ext. color: Dark Graphite Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: MZRB87346
VIN: 5UXCR6C0XL9B87346

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Speedway Motors LLC review

I have been shopping around for months for a 2020 Ford

I have been shopping around for months for a 2020 Ford F150 Lariat trying to find a clean truck. I saw they had one listed for a few days I was in contact with the dealership immediately. I went to see the truck it was exactly what I was looking for. Zack helped me out tremendously. They have their fees like every other dealer but their fees were very reasonable compared to others. I purchased the truck for less than I expected to pay. I walked out with a new truck and a great deal. They do the process from A-Z all I did was drive my truck within a 2 weeks I had my title plates and registration as promised. I recommend speedway motors to anyone in the market looking for a great deal on a used car.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8 speed automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: 53378M
VIN: 5UXCR6C07L9D09368

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Import Masters review

A great place to shop for any car

I have to say, this is my 4th stop within 3 days before I pull the trigger on the 2020 BMW X5 at Import Masters. I was surprised how I was treated considering I was way underdressed for the occasion. Most sales people would think WHAT THE xxxx IS HE DOING HERE LOOKING AT BMW X5. Edwin was very nice and made sure I was taken care of properly. All the staff are very friendly, even the little guys who are cleaning and waxing cars. They gave me all the information I need it on how to take care of the car. I highly recommend the place and make sure you don’t forget to check out and cruise around the neighborhood. You won’t regret it. xxxx a lot better than some other places I have been to. I advise you to make an appointment before coming in so they can bring it to the showroom. They have so many cars that almost stack on top of each other.

Vehicle information

Ext. color: Blue
Int. color: White
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: Intercooled Turbo Premium Unleaded I-6 3.0 L/183
Stock #: C4983-215
VIN: 5UXCR6C09L9B10306

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate, Remote Start
Entertainment: Bluetooth®, HomeLink
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Certified Luxury Motors review

We had a great experience at the Greatneck location.

We had a great experience at the Greatneck location. Hector, Val and the rest of the staff was very friendly and courteous. We was satisfied with our purchase. We recommend this place.

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.0L I6 24V GDI DOHC Turbo
Stock #: 9815
VIN: 5UXCR6C08L9C79815

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Bluetooth®, HomeLink
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: Intercooled Turbo Premium Unleaded I-6 3.0 L/183
Stock #: 0397-Intransit
VIN: 5UXCR6C01L9B40397

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate, Remote Start
Entertainment: Bluetooth®, HomeLink, Premium Sound System
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Certified Luxury Motors review

Had a great experience at Luxury motors Greatneck

Had a great experience at Luxury motors Greatneck location. Hector is a great sales rep and Val is a great financial officer. The staff was very courteous and nice. I left very satisfied with my purchase. I recommend this place.

Vehicle information

Ext. color: Black
Int. color: Beige
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: LLL74763STK
VIN: 5UXCR6C08LLL74763

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Haus of Lux review

Excellent Customer Service!

Excellent Customer Service! Great selection of cars, my first time financing with no co signer and they helped me get approved fast and easy! A dream come true!! Thankyou Moe and the Team!!

Vehicle information

Ext. color: White
Int. color: Brown
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
Stock #: L9B44404STK
VIN: 5UXCR6C03L9B44404

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

Haus of Lux review

best ever!

best ever!!! good cars good prices everyone was helpful and super nice. i recommend them to everyone.

Vehicle information

Ext. color: Phytonic Blue Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: Straight 6 Cylinder Engine
Stock #: AV6577D
VIN: 5UXCR6C08LLL75895

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Power Motors East review

Excellent experience.

Excellent experience. One of the sales representatives, Ivan, assisted me without the entire process. Each staff member was friendly and very helpful. Refreshments were also great while you’re waiting for the process to be complete.

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BMW X5 prices by year

Model year Prices from Deals
2025 BMW X5 xDrive40i $59,555 6 Good deals
2024 BMW X5 xDrive40i $42,571 15 Good deals
2023 BMW X5 xDrive40i $27,800 13 Great deals
2022 BMW X5 xDrive40i $24,990 17 Great deals
2021 BMW X5 xDrive40i $26,400 14 Good deals
2019 BMW X5 xDrive40i $22,468 10 Good deals

About the 2020 BMW X5 xDrive40i

Basics

sDrive40i shown (base trim).

Seating
7
Door count
4
Drivetrain
Rear-wheel drive
Combined MPG
23
Transmission
8-Speed A/T
Engine
335.0-hp, 3.0-liter, Straight 6 Cylinder Engine (Gasoline Fuel)
Side view of the 2020 BMW X5 xDrive40i
FAQs

How much does the 2020 BMW X5 xDrive40i cost?

The 2020 BMW X5 xDrive40i price depends on several factors, including optional features, mileage, vehicle history and location. The nationwide average price for a 2020 X5 xDrive40i is $32,616, with pricing starting at $19,848.

What is the MPG of the 2020 BMW X5 xDrive40i?

The 2020 BMW X5 xDrive40i offers up to 21 MPG in city driving and 26 MPG on the highway for a combined rating of 23 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle options, driving conditions, driving habits, vehicle maintenance, and other factors.

What are some similar vehicles and competitors of the 2020 BMW X5 xDrive40i?

The 2020 BMW X5 xDrive40i compares to and/or competes against the following vehicles:


Is the 2020 BMW X5 xDrive40i reliable?

The 2020 BMW X5 has an average reliability rating of 4.7 out of 5 according to Cars.com consumers. Find real-world reliability insights within consumer reviews from 2020 X5 owners.

Is the 2020 BMW X5 xDrive40i a good SUV?

Below are the Cars.com consumer ratings for the 2020 BMW X5.

(57 reviews)
Rating breakdown (out of 5):
  • Comfort 4.8
  • Interior 4.8
  • Performance 4.8
  • Value 4.4
  • Exterior 4.7
  • Reliability 4.7
Ratings (57 reviews)

93% of drivers recommend this car

Rating breakdown (out of 5):
  • Comfort 4.8
  • Interior 4.8
  • Performance 4.8
  • Value 4.4
  • Exterior 4.7
  • Reliability 4.7

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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