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Used Ford cars for sale near Reading, NY

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213 matches 30 miles from 14876
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
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Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Gray
Drivetrain: Four-wheel Drive
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 3.5L V6 24V PDI DOHC Twin Turbo
Stock #: 1-78203N
VIN: 1FTFW3L80RKE02789

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Tow Hitch, Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Simmons-Rockwell Hyundai review

Fantastic staff.

Fantastic staff. One of the best experiences I have had. Zach Odo in the Chevy store was the nicest non pushy salesperson I have ever worked with.

2024 Ford F-150 XLT review

Overall, I love my 2024 STX 4x4 Supercrew.

Overall, I love my 2024 STX 4x4 Supercrew. It's comfortable, reliable, and gets great gas mileage with the 2.7 ecoboost. I had one small repair done under warranty that took less than 3 hours and I have over 13k miles on it. My only mild complaints are that the ride could be more forgiving over bumpy pavement and that the turning radius was better.

Vehicle information

Ext. color: Vapor Blue Metallic
Drivetrain: Rear-wheel Drive
MPG: 22-33
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 2.3L I4 16V PDI DOHC Turbo
Stock #: BF25-207A
VIN: 1FA6P8TH8R5116445

Features

Convenience: Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
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

Reviews

2024 Ford Mustang I4CP review

Excellent value for the price.

Excellent value for the price. Do not purchase this vehicle without the active exhaust option. The fake vents are disappointing but otherwise the car is perfect.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 5.0L V8 32V PDI DOHC
Stock #: XF6882W
VIN: 1FTFW1E59MFA35903

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Remote Start
Entertainment: Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hitch
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Maguire Ford Lincoln review

First car ourchase

I’m a first time car buyer, and I worked with Pablo. He made the entire process go as smooth as possible. I couldn’t have asked for a better experience! He even checked in with me the day after the purchase to see how everything was going.

2021 Ford F-150 Lariat review

Great truck, I have no issues with this truck.

Great truck, I have no issues with this truck. Occasionally the Snyc screen freezes up. Acceleration is excellent. Highway MPG is 23 Local is around 12 mpg. Mixed City Highway is 15 mpg

Vehicle information

Ext. color: OXFORD WHITE
Int. color: BLACK SPORT 40/CONSOLE/40
Transmission: ELEC TEN-SPEED AUTO W/TOW M
Engine: 2.7L V6 ECOBOOST
Stock #: F2B4726
VIN: 1FTEW1EP9NFB82625

Features

Exterior: Tow Hitch

Reviews

2022 Ford F-150 XLT review

2022 F150 PowerBoost 3.

2022 F150 PowerBoost 3.5 twin turbo absolutely hauls xxx with phenomenal gas mileage on a 30 gallon tank. I’ve gotten a true 600 and 700 miles out of a tank of gas when it’s in Eco mode it will run on battery alone if you’re on flat level ground and maintain your speed that’s how they obtain so many miles out of a tank full of gas probably one of the best F1 50s I’ve owned and I’ve had several of them. If you leave it in tow Haul mode it will disengage the auto stop start so the vehicle remains on. It’s been absolutely bullet proof with zero issues. If I’m not driving the Dually Diesel F350 I’m driving this..

Vehicle information

Ext. color: Black
Drivetrain: All-wheel Drive
MPG: 21-28
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: 2-46943DR
VIN: 2FMPK4K91RBA89113

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Bluetooth®, HomeLink, Premium Sound System, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2024 Ford Edge Titanium review

7 Ford Edges and the 2024 is rock solid yet quiet and

7 Ford Edges and the 2024 is rock solid yet quiet and great performance. Everyone wants to use the Edge when we go anywhere. The controls are easy to use for non distracted driving. Long road trips are un eventful and tires last forever. Loading space in the rear is flat easy and lots of space. Good visibility and safe.

Vehicle information

Ext. color: Oxford White
Int. color: Medium Dark Slate
Drivetrain: Four-wheel Drive
Fuel type: Gasoline
Transmission: 10-Speed A/T
Engine: 7.3L V-8 DEVCT variable valve control, regular unleaded, engine
Stock #: RG25422A
VIN: 1FDRF3HN5PDA12957

Features

Convenience: Keyless Entry, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Tow Hooks
Safety: Automatic Emergency Braking, Brake Assist, Lane Departure Warning

Reviews

Friendly Chrysler Dodge Jeep Ram of Geneva review

purchase of my 2022 Jeep Cherokee Trail Hawk

I am very happy with the service I got with Tyler at Friendly dodge in Geneva NY. with my 2022 Jeep Cherokee Trail Hawk, was wondering if you got the front license plate holder ordered for this vehicle? Thank you

Vehicle information

Ext. color: Gray
Drivetrain: Four-wheel Drive
MPG: 20-24
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 2.3L I4 16V GDI DOHC Turbo
Stock #: 9-15901
VIN: 1FTER1FH6MLD19941

Features

Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2021 Ford Ranger XL review

Strong little truck, great off road, and great gas

Strong little truck, great off road, and great gas mileage. Superior towing compared to my 2019 Taco. If you need a mid size truck that is actually a truck the Ranger will be great for you.

Vehicle information

Ext. color: White
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: 9-15919
VIN: 3FTTW8B93RRA76816

Features

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

Reviews

2024 Ford Maverick XL review

I was wanting to downsize from a F150 super crew because

I was wanting to downsize from a F150 super crew because of garage space and I needed something easier to get in and out of. The Maverick fills both needs very nicely and gets lots better fuel economy. So far I am very happy with my decision.

Vehicle information

Ext. color: Agate Black Metallic
Int. color: Ebony
Drivetrain: All-wheel Drive
MPG: 23-31
Fuel type: Gasoline
Transmission: 8-Speed A/T
Engine: EcoBoost 2L I-4 gasoline direct injection, DOHC, iVCT variable v
Stock #: RG25283A
VIN: 1FMCU9NA7RUB57453

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Tow Hooks
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

Friendly Chrysler Dodge Jeep Ram of Geneva review

The whole dealership made us feel welcome.

The whole dealership made us feel welcome. We were looking to replace our Pacifica and Scott Thompson met us on the lot and convinced us the Pacifica Hybrid would work well for us. Stephen Riffle helped Scott through the process and then showed us all the features and WOW, what a vehicle. We love it! Thank you very much for helping us.

2024 Ford Escape ST-Line Select review

Our 2024 Ford Escape has been excellent.

Our 2024 Ford Escape has been excellent. We bought the ST Line package and its performance has been flawless in the 1st 5 months. Really like the heated steering wheel included with the Cold Weather Package and the safety features of Tech Package 1.

Vehicle information

Ext. color: Blue
Drivetrain: Four-wheel Drive
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 2.3L I4 16V GDI DOHC Turbo
Stock #: 7-18215A
VIN: 1FMDE5DH2PLB66766

Features

Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Safety: Backup Camera, Brake Assist, LED Headlights, Stability Control

Reviews

2023 Ford Bronco review

I bought a brandnew 2023 Ford Bronco Black Diamond 2.

I bought a brandnew 2023 Ford Bronco Black Diamond 2.7L with Sasquatch packaje in November 2024, there are no complains up to now, it runs better than I expected and is very comfortable inside. Acceleration is also better than expected in spite of 35 inches factory tires, I love it.

Vehicle information

Ext. color: Oxford White
Int. color: Dune
Drivetrain: All-wheel Drive
MPG: 20-28
Fuel type: Gasoline
Transmission: 8-Speed A/T
Engine: EcoBoost 2L I-4 gasoline direct injection, DOHC, variable valve
Stock #: JG25401A
VIN: 2FMPK4J96PBA47843

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, 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: Leather Seats

Reviews

Friendly Chrysler Dodge Jeep Ram of Geneva review

It was a great time and a great experience with the

It was a great time and a great experience with the friendly team. I am very grateful.

2023 Ford Edge SEL review

I bought this vehicle in December of 2023, and I have

I bought this vehicle in December of 2023, and I have been pleased with the performance and the room inside the car. The boot (trunk) has lots of space. The silver paint with the black wheels looks really sharp. The best appeal for me to purchase this vehicle is that it's reported to rarely need to be in the shop for repairs. It's always been my experience that if you take care of your vehicle then it will perform well.

Vehicle information

Ext. color: Gray
Drivetrain: All-wheel Drive
MPG: 26-32
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 1.5L I3 12V PDI DOHC Turbo
Stock #: 2-46517DR
VIN: 1FMCU9MN0RUA44299

Features

Convenience: Keyless Entry, Keyless Start, Power Liftgate
Entertainment: Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

2024 Ford Escape ST-Line review

It's a pleasure to drive this car.

It's a pleasure to drive this car. I can feel the sportiness of the car. I love that the car saves so much gas. All seating in car, front and back is comfortable.

Vehicle information

Ext. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-29
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.0L I3 12V GDI DOHC Turbo
Stock #: 9-15757DRS
VIN: MAJ3S2FE7MC439020

Features

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

Reviews

2021 Ford EcoSport S review

My favourite car ever.

My favourite car ever. Great inside and out. The rear wiper is perfect as are the front wipers, although it's easy to accidentally activate them. You'll need to adjust your seat for a perfect fit, bit once you find it, it's great. The bank seat could use more legroom, but otherwise it's great.

Vehicle information

Ext. color: Agate Black Metallic
Int. color: Ebony
Drivetrain: Four-wheel Drive
MPG: 20-27
Fuel type: Gasoline
Transmission: 10-Speed A/T
Engine: EcoBoost 2.3L I-4 gasoline direct injection, DOHC, variable valv
Stock #: JG25405A
VIN: 1FMSK8DH2NGA13053

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Third Row Seating

Reviews

Friendly Chrysler Dodge Jeep Ram of Geneva review

This was a great experience.

This was a great experience. Jeff was great to work with, and the process was very easy! His father brought my car to me, and was wonderful!

2022 Ford Explorer XLT review

I purchased the 2022 Timberline preowned about 1 month

I purchased the 2022 Timberline preowned about 1 month ago with appx 50k miles on it. I was disappointed that it does not have memory seats or a garage door remote button. (I didn't even notice this when test driving it). Who makes a car today with all the tech this car has and leaves off these 2 things! The interior is comfortable & well laid out. The ride is smooth & quiet. 2.3L turbo 4 cylinder is quiet & has amazing power. At idle it’s hard to tell that the engine is even running. The prior owner put on Michelin tires which contribute to the smooth, quiet ride. The seats are ActiveX (Ford’s name for vinyl) with cloth inserts. I’m 5’ 10” and 175lbs. My son who rode with me is 6’ 3” and 250lbs. Both of us found the seats comfortable & supportive on our 1st road trip. I’ve driven a Kia Telluride, which is a direct competitor. The Kia has a little more tech but I found the ride to be on the harsh side, especially in the second row. This may be attributable to the low profile 21” tires. The Timberline has 18” balloon tires which I much prefer. 2 weeks after purchasing it I made a 2,200-mile road trip from Dallas TX to Orgon. Fuel mileage ranged from 21 to 28 with an overall average of 24 mpg. *if I don’t drive over 70 mph on the highway the fuel economy goes up to about 32! *these numbers are from the actual miles & gallons of fuel used, not from the dash numbers, which I found are a little optimistic. It has a few bugs that I’ll have to deal with, but it’s a used Ford & not a Lexus. Overall, I'd say I'm very happy with this car & would recommend it.

Vehicle information

Ext. color: Red
Drivetrain: Four-wheel Drive
MPG: 25-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 1.5L I3 12V PDI DOHC Turbo
Stock #: 2-46883DR
VIN: 3FMCR9B60RRE39362

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

2024 Ford Bronco Sport Big Bend review

Great overall small SUV.

Great overall small SUV. Good styling, and a more truck feel than most small SUV's. Nice road feel. And good color selection. Definitely recommend this one.

Vehicle information

Ext. color: STAR WHITE MET TRI-COAT
Int. color: EBONY ACTIVEX SEAT MTRL
Transmission: 10-SPEED AUTO TRANSMISSION
Engine: 2.3L ECOBOOST I-4 ENGINE
Stock #: F2B4759A
VIN: 1FMSK8DH1PGA41963

Features

Convenience: Heated Steering Wheel, Remote Start

Reviews

2023 Ford Explorer XLT review

Great car

Best car I’ve ever owned. Does everything I want//need it to do. Always starts in the morning. I’ve been camping with it and slept inside the car. Plenty of room

Vehicle information

Ext. color: Dark Blue
Int. color: Ebony
Drivetrain: Front-wheel Drive
MPG: 24-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC
Stock #: XF6959
VIN: NM0LS7S2XP1552976

Features

Convenience: Keyless Entry, Remote Start
Entertainment: Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control

Reviews

Maguire Ford Lincoln review

Great experience

This was my first real car buying experience and I couldn't be happier with my purchase and the customer service ( Teresa )...from the moment I walked through the door I felt like a valued customer not just a number or a commission. I got exactly what I wanted and was treated with respect and kindness. I will be going back for my next car.

Vehicle information

Ext. color: Dark Toreador Red Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 26-34
Fuel type: Gasoline
Transmission: Manual
Engine: Duratec 2L I-4 DOHC, regular unleaded, engine with 136HP
Stock #: AT155328
VIN: 1FAFP37N06W155328

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels

Reviews

Miller Bros. Auto Sales review

Great place to shop for a car.

The owner took very good care of me and my kids when they were old enough to drive. I have bought several vehicles over the years from this dealership. Highly recommend .

2006 Ford Focus ZX5 review

bought the car with 120000 mile got it to 130000 miles

bought the car with 120000 mile got it to 130000 miles and never had an issue really fun drive couldn't be happier to have had my car towed home on the highway.(made a good seat while waiting for pick up)

Vehicle information

Ext. color: Blue
Int. color: Ebony
Drivetrain: Four-wheel Drive
MPG: 20-24
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 2.3L I4 16V GDI DOHC Turbo
Stock #: XF6938
VIN: 1FTER4FH6MLD12179

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Tow Hitch
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Maguire Ford Lincoln review

Customer

Our salesman Matt Armstrong was very pleasant, knowledgeable and easy to work with. He also had a lot of patience with all my questions ��. If you need a vehicle call Matt, you won’t be disappointed!

2021 Ford Ranger XLT review

Big truck in a mid package

After being an F150 owner for 19 years, I never thought I'd be happy with downsizing. I was right, I am ecstatic! I bought this used with 30k miles on it, but it looks and feels brand new. Solid, extremely comfortable, and the 2.3 turbo way out performs my 4.6 by a mile. Really did nit want a car pmt but it is so worth it. I love driving again.

Vehicle information

Ext. color: Brown Metallic
Int. color: Ebony
Drivetrain: Four-wheel Drive
MPG: 21-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: XF6925
VIN: 3FMCR9D97MRA02040

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Maguire Ford Lincoln review

Buying 2018 Nissan Armada

We had a great experience working with Tyler Babcock, who helped us get into our 2018 Nissan Armada. Tyler was extremely helpful, knowledgeable, and accommodating throughout the process. He was very friendly and patient, while answering all of our questions. He went above and beyond in emailing us various information and getting our vehicle ready for pick-up.

2021 Ford Bronco Sport Badlands review

Generally the styling is nice, you really can see where

Generally the styling is nice, you really can see where the older Escape was used as the basis for this vehicle. The interior is nice and comfortable. Ford missed the mark on storage. The dead space behind the screen, as one example. You can buy a bin that will fit very nicely in that spot. Mileage has been good. Road noise can be a little much as times, and the ride can get a little jittery at speed. There is an odd shudder between 35 and 40mph, that the service tech said is from "cylinder deactivation". Ford and other manufacturers have had this technology for a long time. Seems hard to believe that Ford would screw it up. Was told that it happens in Eco or Normal mode. In Sport mode it's less noticeable, and doesn't really effect the mileage that much. Tried it, didn't see much of a difference. Other issue is legroom in the back seat. I'm 6'4" (and it's surprisingly easy for me to get in and out), but I need to have the seat back a bit. Leaves very little room for a back seat passenger. Overall, pretty good vehicle. Hopefully in the next gen, they'll correct some of these issues.

About Ford

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The Ford Focus is the cheapest available vehicle by average Cars.com listing price in Ford's lineup, with an average listing price of $7,758.

Which Ford vehicle has the best MPG?

The Ford Fusion Hybrid can reach up to 44 MPG city and 41 MPG highway for a combined rating of 42 MPG. The Ford Maverick with traditional internal combustion engine offers up to 42 MPG city and 35 MPG highway for a combined rating of 38 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.

Which Ford vehicle has the longest range?

The electric Ford F-150 Lightning can travel up to 320 miles on a single charge depending on electric motor and battery options. The plug-in hybrid Ford Escape PHEV can travel up to 37 electric-only miles before the gas engine kicks on.

EPA-estimated range is the distance, or predicted distance, a new plug-in vehicle will travel on electric power before its battery charge is exhausted. Actual range will vary depending on model year, driving conditions, driving habits, elevation changes, weather, accessory usage (lights, climate control), vehicle condition and other factors.

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The Ford F-150 has the most available deals on Cars.com with 10756 great deals out of 35119 listings starting at $1.

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*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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