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Used Ford Focus for sale near Willow Springs, IL

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Used

2015 Ford Focus SE

147,448 mi.
$5,555 $1,111 price drop
D'Arcy Mitsubishi
(151 reviews)
Joliet, IL

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 27-40
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: T41255B
VIN: 1FADP3FE0JL300564

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Westfield Ford review

Excellent sales service from J.

Excellent sales service from J. R.! We are very pleased with our recent purchase, and J. R.'s patience, professionalism, and assistance was greatly appreciated.

2018 Ford Focus SE review

Purchased a used 2018 with 35K miles in 2023.

Purchased a used 2018 with 35K miles in 2023. I now have 75K miles as it's a commuter car, about 90 miles a day. I average almost 41 mpg going from Pueblo to Colorado Springs and back. The CVT was a bit suspect when I first got it, but I think the driving has corrected the 3rd gear delay. The CVT is hands down better than my Altima. One year that car was gone, total junk.

Vehicle information

Ext. color: Ingot Silver Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-28
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: MCE2082
VIN: 1FADP3F27EL121899

Features

Convenience: Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Motorcars Express review

The guys here were great!

The guys here were great! Had the truck pulled out and ready for us to test out. We came from out of town and they kept our kids entertained while doing all the paperwork. It was a quick, hassle free process. True mom and pop shop and they treat you as such. Thank you so much.

2014 Ford Focus SE review

2014 Ford Focus.

2014 Ford Focus. Best car I have ever driven. Fun to drive and I look sexy driving it. Passed it on to my daughter, 177000 miles and still runs great.

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 40-40
Fuel type: E85 Flex Fuel
Transmission: Automatic 6-Speed
Engine: 2.0L I4
Stock #: JYC-378885
VIN: 1FADP3F27FL378885

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Bluetooth®, CD Player, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Your Choice Auto Sales of Joliet review

I was given plenty of time to find without any hassle or

I was given plenty of time to find without any hassle or hard selling. It made the whole experience feel relaxed and enjoyable rather than rushed. Any questions I did have were answered clearly and honestly, and I never felt like I was being pushed toward something that wasn’t right for me. Arranging the test drive was quick and simple, and the test drive itself was smooth. Everything was explained clearly, and I was given the time I needed to properly get a feel for the car.

2015 Ford Focus SE review

Vibration sudder

The only thing I would say in gear 1 get vibration sudder like going up a hill ask the Mechanic to check it he says it’s like a vibration sudder not sure if this is what there meant to be like he said it’s fine apart from that no problem apart from need to sort the clutch

Vehicle information

Ext. color: Oxford White
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: 5-SPEED MANUAL
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: A9474PA
VIN: 1FADP3F21GL252281

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Bill Jacobs VW review

We had the pleasure to work with Jim Jacobson.

We had the pleasure to work with Jim Jacobson. He is by far was the best salesman we?ve worked with. He gave us the best deal and was very informative. Not only was he giving us a great deal but he made sure we walked out with what we wanted. We looked over multiple options to see what would be the best fit for us. He made the long process into a great experience. I know we?ll be going back to Bill Jacob?s VW just for Jim! ??

2016 Ford Focus SE review

I've had my 2016 Focus SE for 9 years this year & will

I've had my 2016 Focus SE for 9 years this year & will drive it until one of us dies. I've never had a problem with it. It gets great gas mileage, is comfortable & roomy. I've hauled many things that others thought wouldn't fit but with the back seats folded down ...no problem. I would recommend a Focus to anyone looking for a reliable vehicle.

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 26-36
Fuel type: E85 Flex Fuel
Transmission: Automatic
Engine: Gas
Stock #: 28045536
VIN: 1FADP3F2XFL333617

Features

Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera
Seating: Leather Seats

Reviews

CarMax Oak Lawn review

Good selecrion

Wide selection and no haggle are a plus over other dealerships. I like being able to see how many different makes and models. CarMax is the only place I will shop

2015 Ford Focus SE review

Would recommend

Was lucky enough to buy a used one with a religious service record and the DCT issues repaired and it's fantastic. Great gas mileage, roomy up front, nice features, stellar looking exterior, handles like a dream and sticks to the road. Did have the common EVAP purge issue a week after having it, but that was a cheap fix.

Vehicle information

Ext. color: Magnetic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: XP33044
VIN: 1FADP3F23FL293168

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Elgin Auto Sales & Service Center review

Excellent customer service!

Excellent customer service!! They help me find the perfect car for me, and kept me within my budget!! Friendly staff and beautiful showroom!! Two thumbs way up!! A shout out to Mike Medina the GM who really helped make this purchase smooth and quick! I will be recommending Elgin Auto Sales to all my friends and family!

2015 Ford Focus SE review

Great Car !!

This car Has everything I’m looking. From back camera ,motion starter, push to start , unlock on outside. I love it ! Thankful and Grateful

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: HL312957STK
VIN: 1FADP3H26HL312957

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, CD Player, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

DriveTime of Highland review

Easy and quick process

The process was very easy and quick. Kenny really helped out a lot and got us exactly what we were looking for. Definitely will be coming back in the future and recommending to others.

2017 Ford Focus SEL review

2017 FORD FOCUS RECALLS.

My vehicle will be paid off soon. It seems problematic situationa are starting. I read about recalls for 2017 ford focus. I've received NO letters from Ford yet. There are several recalls for make. Model and year 2017.

Vehicle information

Ext. color: Grey
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 25-38
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: A13646
VIN: 1FADP3E25JL219454

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Auto Select review

Very nice people.

Very nice people. I very much appreciate the service and the help throughout the car buying process. Thank you

2018 Ford Focus SE review

I love this car, the only exception is the transmission.

I love this car, the only exception is the transmission. The clutches jerk hard, only once in a while. It mainly jerks when someone besides me drives and only occasionally with me. Overall, I love this car!

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 27-38
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: EYC-325530
VIN: 1FADP3FE9JL325530

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Your Choice Auto Sales of Elgin review

Great experience from beginning to end.

Great experience from beginning to end. No pressure at all, very professional staff, and smooth process. I would definitely buy there again.

2018 Ford Focus SE review

Great little car

I bought my 2017 Ford Focus SE 1.0L Manual New and only had minor issues with it it that was covered under warranty. only issues I had was the PVC needed to be replaced and the CV Axle seals. The Focus rode great, I ended up getting 45+ miles per gallons using 93 octane fuel and a pedal enhancer, made a world of a difference. She was a peppy little car. I loved the Black interior, the seat were fairly comfortable. I ended up trading it for a small SUV for more room because my son was growing so fast and needed more leg room for him. I regretted getting rid of it and just should have kept for my commute to work.

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 25-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: HL269728STK
VIN: 1FADP3E2XHL269728

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2017 Ford Focus SE review

Newest Car i've ever owned

This car is exactly what i needed when i limped my old ponitac into the dealer. Unlike my previous car this one is great on gas. It handles smoothly in my opinion. THe only downside i can think of is the trunk is small. even with the seats down in the sedan like i got.

Vehicle information

Ext. color: Oxford White
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-38
Fuel type: E85 Flex Fuel
Transmission: 6-Speed Automatic with Auto-Shift
Engine: 2.0L I4 16V GDI DOHC Flexible Fuel
Stock #: SU24881B
VIN: 1FADP3K21JL286069

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Berman Subaru of Chicago review

Edwin was very kind and informative during my 42,000 mile

Edwin was very kind and informative during my 42,000 mile service. I felt like my car was in good hands.

2018 Ford Focus SE review

Good car great buy

I own a 2013 manual Se model it has been a great car 35 miles a gallon. Love it and mad that Ford stopped making them..

Vehicle information

Ext. color: Magnetic Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-34
Fuel type: Gasoline
Transmission: Automatic 6-Speed
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: JL324452STK
VIN: 1FADP3K25JL324452

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Schererville Auto Sales review

Real curtious and knowledgeable staff I would tell my

Real curtious and knowledgeable staff I would tell my friends and family about this car lot

2018 Ford Focus SE review

My focus review.

I recommend this car if you get it in a standard shift, I'm on my second focus and both were standard shift, the second one is an st and is awsome the first one was a 2013 se with a 5 speed standard and had no problems with either one, my wife's 2018 se has an automatic and so far has bine very reliable!

Vehicle information

Ext. color: Gray
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 26-37
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.0L I-4 GDI Ti-VCT Flex Fuel
Stock #: US 2985
VIN: 1FADP3K23EL252558

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

US 30 Auto Sales review

Roberto

Mike a very nice person to deal with simple and fast service, will recomend for any use car or truck

2014 Ford Focus SE review

2014 Focus SE Hatchback bought in 2016 with 7500 miles.

2014 Focus SE Hatchback bought in 2016 with 7500 miles. Its currently 2025 and 113k miles. The only repair issue was the TCM failure at 90k. I had to wait 3 weeks for the part to come in all the while unable to drive my only vehicle. Only other problem with this car is the heat shields have fallen loose and rattle. I have thought about replacing this car several times over the past 3 years. I've test driven many similar cars and haven't found any that drive much better. So I keep driving this car.

Vehicle information

Ext. color: Magnetic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: V1266
VIN: 1FADP3E27GL314509

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2016 Ford Focus S review

I bought the car in 2020 now , I've replaced the water

I bought the car in 2020 now , I've replaced the water pump, alternator, purge valve and normal maintenance, the car gets up to speed on the highway pretty good , is pretty quite , handles good for a economy car, I got a 5 speed manual with all the bells and whistles, I would say it's not bad for the price I paid for it , I guess the automatics are a nightmare to own. If you drive in the snow get snow tires, other than that I hope to hit 200 k with this car

Vehicle information

Ext. color: Ingot Silver
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 27-40
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: ICE148
VIN: 1FADP3FEXHL340483

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Omni Auto Sales Inc. review

Great experience, wonderful people to work with.

Great experience, wonderful people to work with. Bob Walczak was very helpful and made it smooth and easy getting into my new ride, recommend!

2017 Ford Focus SE review

Just purchased and happy so far

Just purchased for a replacement to a 300,000 mile escape, it’s the sel model so creature comforts are few but for the price it is optioned pretty well, the 4 cylinder was averaging 37 mpg on my 2 hour drive home with plenty of power, plenty of room inside do a small car for 2 people and maybe smaller kids in the back seat but it is a smooth ride for the small package. I will use it as a work vehicle to commute the 3 to 4 hours each way to work

Vehicle information

Ext. color: Red
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: A10639
VIN: 1FADP3F21EL296147

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Remote Start
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Burr Ridge Motor Sales review

Highly recommended!

I wholeheartedly recommend Burr Ridge Motor Sales to anyone in search of a used vehicle. Their commitment to customer satisfaction, exceptional service, and outstanding expertise are truly commendable. My experience with them was nothing short of exceptional, and I am grateful to have chosen them for my car purchase. Thank you, Burr Ridge Motor Sales for exceeding my expectations and making my car-buying experience truly enjoyable!

2014 Ford Focus SE review

Bought the vehicle after Ford replaced the transmission

Bought the vehicle after Ford replaced the transmission due to the known transmission issue with these and it has worked like a dream. I cannot recommend this car enough. It has been reliable, dependable and easy to maintain.

Vehicle information

Ext. color: Tuxedo Black Metallic
Int. color: Medium Light Stone
Drivetrain: Front-wheel Drive
MPG: 26-38
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 1840
VIN: 1FADP3F24EL270173

Features

Convenience: Keyless Entry
Entertainment: CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

CRS Auto Group review

Super friendly, super helpful, great communication!

Super friendly, super helpful, great communication!!!! Great dealership to do business with!!!! Very happy with my purchase...I highly recommend these guys !!!!

2014 Ford Focus SE review

MANUAL IS GREAT

I've had this car for a while and not once have I had any issues. the transition problem is a known thing for the automatic version, but I drive the manual Ford Focus and I definitely recommend it

Vehicle information

Ext. color: Sangria Red Metallic
Int. color: Black Cloth
Drivetrain: Front-wheel Drive
MPG: 24-34
Fuel type: Gasoline
Transmission: Automatic 4-Speed
Engine: Duratec 2L I-4 DOHC, regular unleaded, engine with 140HP
Stock #: MM
VIN: 1FAHP3FNXAW143268

Features

Convenience: Keyless Entry
Entertainment: CD Player, Satellite Radio
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control

Reviews

Windy City Motors review

Great Experience

I purchased a car in early April and I had a pleasant experience. Mike the owner/manager of the facility ensured that any concerns that I may have had were addressed promptly. I’ll for sure look to purchase here in the future.

2010 Ford Focus SE review

My 2010 consistently gets 46mpg on the highway, 2.

My 2010 consistently gets 46mpg on the highway, 2.0 with automatic. Bought new, only run Mobile1 full synthetic 5w30. Great little car, should last 300k easy!

Vehicle information

Ext. color: Ingot Silver Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 15891
VIN: 1FADP3F23DL263763

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Cars147.com review

It was very nice but sadly took a long time to just get

It was very nice but sadly took a long time to just get started and couldn’t really negotiate

2013 Ford Focus SE review

Basic Road Car / Commuter is OK

In Aug 2016, purchased the 2013 Fucus Hatch SE used in 2016, with 13,000 miles on it. With 35-37mpg on average with mixed driving. Early on OK without issues. Around 40K miles the transmission electronic control modual, ECM, needed an adjustment. The transmission is a learning transmission. It will learn how you drive and adjust shift points as your driving habits are learned by the transmission. My wife's driving habits are put it in drive and GO! My habits are different. Every now and then I will drive her car and shift the transmission as a manual drive, since the transmission is a manual drive transmission which has been automated. The engine and transmission only makes a subtle gurgle noise when as the car shifts from 2nd to 1st as the car comes to a stop. The car is sporty to drive, sensitive steering, good braking. It reminds be of a less expensive VW Golf. Currently we have 140K miles and the only wear on the car that shows is a failure of the heat shield and since I am a mechanically inclined guy who putters around fixing what is broken, there is wear on the clutches in the transmission, all due by my wife's driving habits of being a speedy driver. Since we already have it and its paid off, I will keep it. I will only purchase a Golf or Jetta when the transmission or electronic control module hiccups. I do realize the ECM has a recall if you're below 1450K miles.

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 27-38
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: A13430
VIN: 1FADP3FE1HL298494

Features

Convenience: Keyless Entry, Remote Start
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Auto Select review

They are in the midst of expanding their car lot and do

They are in the midst of expanding their car lot and do not have a structured building. They only have a mobile unit currently on the property so it's a bit disorganized right now. Sales personnel did not seem very friendly but they also aren't pushy which I liked. Most of the cars exteriors were really dirty from a dust storm that occurred a couple of weeks ago. They have a large inventory of vehicle choices.

2017 Ford Focus SE review

It has the majority of features I wanted!

I've only owned this car for a couple of weeks, but I love it! Right from the start, I felt very comfortable driving it (a lot of cars take a while to "fit"). My only complaint is that the hatch area is small, but then this car is a lot smaller than what I usually drive. I just have to get used to that. I love that it has automatic lights & high beams, GPS navigation, a backup camera and a way to sync my phone easily.

Ford Focus prices by year

Model year Average price Deals
2018 Ford Focus $8,999 6 Good deals
2017 Ford Focus $9,392 3 Good deals
2014 Ford Focus $6,017 4 Good deals

About the Ford Focus

FAQs

How much does the Ford Focus cost?

The Ford Focus price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Focus is $7,572, with pricing starting at $1,400.

What is the MPG of the Ford Focus?

The Ford Focus with traditional internal combustion engine offers up to 27 MPG city and 40 MPG highway for a combined rating of 31 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 model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

What are some similar vehicles and competitors of the Ford Focus?

The Ford Focus compares to and/or competes against the following vehicles:


What trim levels are available for the Ford Focus?

The Ford Focus is available in the following trim levels:

What model years are available for the Ford Focus?

Available model years for Ford Focus inventory range from 2002 to 2018.

*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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