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Used Honda Civic for sale near Harding, NJ under $1,000,000

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543 matches 30 miles from 07976
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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: Satin Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.7L I-4 regular unleaded, engine with 115HP
Stock #: 040435
VIN: 1HGEM22195L040435

Features

Entertainment: CD Player

Reviews

Tri State Car Haven review

Pleased with the service provided to me.

Pleased with the service provided to me. Car was priced below market and the dealer provided me all the information on the vehicle. He also didnt charge me these crazy fees and even gave me an extended warranty at cost price.

2005 Honda Civic VP review

Great Care

I love my Ronda i bought it with 270,000 miles and still runs like a champ. Great first car. Only bad thing is my front bumper is cracked.

Vehicle information

Ext. color: Taffeta White
Int. color: Ivory
Drivetrain: Front-wheel Drive
MPG: 31-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: JH609316STK
VIN: 2HGFC2F54JH609316

Features

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

Reviews

2018 Honda Civic LX review

Absolutely love my car.

Absolutely love my car. 2018 SI sedan 6speed manual. A/C was fixed at dealer a while back. No problem since. No other problems of any kind. I never get under 35MPG COMBINED city and freeway. We drove to Phoenix and never got gas on the way. I’m at almost 90k miles, favorite car I have owned. I added a subwoofer to the stock stereo and it’s pretty good with Dolby Neural. I am amazed at the engineering to have over 200hp and just under 40mpg. Seat material is cheap. That’s one complaint. And it rides like a civic SI especially in sport mode. The handling is top notch I’ve scared a few people taking corners. If you like the SI cars over the years, this is one of the best

Vehicle information

Ext. color: Boost Blue Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: NE020198L
VIN: 19XFL2H85NE020198

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Planet Honda review

THANK YOU SO MUCH TO CESAR, DANNY, AND NITIN FOR TAKING

THANK YOU SO MUCH TO CESAR, DANNY, AND NITIN FOR TAKING SUPERB CARE OF ME AND MY FAMILY. WILL ABSOLUTELY COME BACK FOR MORE CARS

2022 Honda Civic Sport review

I absolutely love mine in comfort I think that it could

I absolutely love mine in comfort I think that it could have been a little bit better but that's on long trips. Short trips the comfort is fine. My car was totaled and my airbags blew on my steering wheel and at my legs and I'm so glad that they did because I really would have gotten hurt without those airbags The seat belt also did its job very well and the brakes warning light came on first then the brakes came on the exact same time I was putting the brakes on a guy ran a stop sign and there really wasn't much I could do but hit him which it did total my car and I am now looking for another one of the exact same kind I want my car back I love my Honda Civic sport touring.

Vehicle information

Ext. color: Black
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 42-42
Fuel type: Gasoline
Transmission: CVT
Engine: I4 1.5L Turbocharger
Stock #: GE201885STK
VIN: 19XFC1F33GE201885

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Stability Control

Reviews

Metro Auto Exchange Inc. review

Good experience

I bought a WV Rabbit from Metro. Richard was good in getting the deal. Overall had a good experience and , so far happy with the purchase.

2016 Honda Civic EX-T review

Jean Paul was great to work with!

Jean Paul was great to work with! He sent lots of photos and a video to show us the car before driving to see it! He also had paperwork ready when we got there and waiting on us. It was a very smooth process and the car is wonderful!!!!

Vehicle information

Ext. color: Platinum White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: NH608465L
VIN: 2HGFE2F55NH608465

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Planet Honda review

CESAR AND DANNY TOOK VERY GOOD CARE OF ME, MY SECOND CAR

CESAR AND DANNY TOOK VERY GOOD CARE OF ME, MY SECOND CAR FROM PLANET HONDA

2022 Honda Civic Sport review

I absolutely love this car, I am so glad i went with this

I absolutely love this car, I am so glad i went with this car instead of the other option i was looking at. The only things i don’t like, are the limited storage space, and the engine start stop feature. There should be an option to turn it off and keep it off instead of having to turn it off every time i start the car. Other than that, this car is amazing. It has great leg room in the back, which is what i was looking for the most besides the remote start. I upgraded from a 2003 elantra.

Vehicle information

Ext. color: Lunar Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-38
Fuel type: Gasoline
Transmission: 6-Speed Manual
Engine: 1.5L I4 16V GDI DOHC Turbo
Stock #: P09528B
VIN: 2HGFC1E53JH702369

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Joyce Honda review

Great People

although I didn't purchase the vehicle I inquired about, they made you feel like family and home.

2018 Honda Civic Si review

Impressive looking and drive experience!

I got this Civic Touring 2018 from my son as a gift. To my surprise, it’s quite comfortable inside, not tight at all. The ride is comfortable and road noises not pronounced, but wind noise increases when the speed goes beyond 60 mph. I just got this car less than 3 months so I didn’t spend much time in dashboard functions and buttons. Those on the steering wheel need my study too. The GPS is not good compared with Google’s even after new updates from Honda (Garmin). I always use gps on cellphone. Will come back after having enough experiences.

Vehicle information

Ext. color: Platinum White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 31-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.5L I4 16V GDI DOHC Turbo
Stock #: PE017129P
VIN: 19XFL1H79PE017129

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Planet Honda review

The Antonio Matos is excellent Sales Consultant.

The Antonio Matos is excellent Sales Consultant. He helps me to buy a car, which I desired. The process takes minimum time. The high experienced team worked forward to purchase the car.

2023 Honda Civic EX-L review

A car that looks good and save gas now in days!

After changing jobs and having to drive 100 miles round trip, I decided to buy the 2023 Honda Civic, I think it was the best decision of my life, not only does it save me a lot of gas but it looks spectacular on the outside and not to mention The interior is simply perfect with a lot of space, like any criticism there are negative points such as the sound system which in my opinion lacks power to be able to listen to your favorite songs at full volume, another point that I would like to highlight is that it lacks entry to the car without having to use your remote control even my 2011 grand cherokee has it, in a general perspective it seems like a good car for price, safety and appearance, it has been my first honda and I think I will continue with the tradition of continuing to buy this model for a long time

Vehicle information

Ext. color: White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 31-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.5L I4 16V GDI DOHC Turbo
Stock #: PE015665A
VIN: 19XFL1H71PE015665

Features

Convenience: Adaptive Cruise Control, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

DCH Paramus Honda review

My experience at Honda with Hamad was great.

My experience at Honda with Hamad was great. He was efficient and helpful. I left extremely happy with the car I wanted and deal I got. Thank you Hamad you are the best!

2023 Honda Civic EX-L review

2023 Honda Civic Sports Model

Wonderful vehicle! I am very pleased with it! Handles well, shifts well. I love the new boost blue color. Would recommend this car to anyone who appreciates good cars.

Vehicle information

Ext. color: Platinum White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: PH505420L
VIN: 2HGFE2F51PH505420

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Planet Honda review

They are so good they sold the car before i could put a

They are so good they sold the car before i could put a deposit. Would definitely work with them again!

2023 Honda Civic Sport review

Love my car

My civic 4cylinder runs smoothly I love being in it but honestly Honda is my favorite brand of car,very roomy just love the inside and outside design of the car

Vehicle information

Ext. color: Aegean Blue Metallic
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 30-38
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: RP09471B
VIN: 2HGFC2F6XKH508338

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Joyce Honda review

Great buying experince

A great buying experience here for a used, certified 2015 Civic. my sales agent was easy going, no pressure. Plenty of info on the vehicle history, negotiating was painless, and none of the good-guy/bad-guy tactics to drive up the price. Also did not have to endure the "my manager wants to meet you" crap. This was the quickest and most painless car buying experience I've had to date. I highly recommend Cory in the pre-owned sales office, and I've heard good things about Joe on the new sales side as well.

2019 Honda Civic LX review

Just bought the Honda Civic 2020 Sport Coupe and I’m

Just bought the Honda Civic 2020 Sport Coupe and I’m really happy with it. The car looks sharp, drives smoothly, and has enough power to make daily driving fun without sacrificing fuel economy. Interior is comfortable and modern, with all the tech I need. Overall, a great blend of sporty looks, efficiency, and reliability. I would Highly recommend this car.

Vehicle information

Ext. color: Rallye Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: PH556745L
VIN: 2HGFE2F59PH556745

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Planet Honda review

My mom brought a car from planet Honda we were there 4

My mom brought a car from planet Honda we were there 4 hours it took a long time the sales men that work there nothing is organized my mom brought a Honda Accord in gray the people that work there will help you it is worth the money

2023 Honda Civic Sport review

Sport mode

The new civic rides rough and even rougher in sport mode a lot of road noise but very stylish looking exterior, sound system a little weak. Wish it came with a leather interior, cloth gets dirty quick

Vehicle information

Ext. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: T09595B
VIN: 2HGFE2F56PH542558

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Joyce Honda review

5 Star Service From Start To Finish. *****

Started off by turning in my 2016 Accord Sport. After going over all options ended up leasing another 2020 Accord Sport. Had such great service provided from sales to finance ended up coming back two days later and leasing a Civic Sport for my daughter. My wife already has a Pilot Ex-L. This will make our twelfth Honda purchase since moving in the area, all from Joyce Honda. Always top notch service provided. This time for sales we used Joe San Roman. Joe always provides 5 star service and is always goes above and beyond to make a deal happen. We have used Joe in the past, And is always a pleasure to work with (Great job Joe). For finance we used two people who were also amazing to work with. They allowed us to make a smooth transition right through the whole purchasing process. First up Matt Stark provided top notch service, and went above and beyond and treated us like family throughout the whole purchasing process (Great Job Matt). Next up the finisher Steve Owusu. Steve also went above and beyond to make purchasing both vehicles smooth as can be. He kept us aware of all options, And also was there via phone whenever needed for questions about anything involved in the whole purchase (Great Job Steve). These three Joyce Honda employees are the ultimate trifecta of 5 star service. As always thanks for all of your help and service you provided to my family. We will be back for sure as always. If you are looking to purchase a Honda, The only place to go is Joyce Honda !

2023 Honda Civic Sport review

Incredible civic.

i purchased a 2022 Honda civic sport touring hatchback in the beautiful sonic gray pearl. it is everything the professional car experts said it was and more. it rides great with crisp handling and the power from the 1.5 liter turbo is so much fun. i love the styling and the Led lights are very bright and safe. I'm getting 31 mpg in the city and 37 on hwy. I love the Honda brand and i love my civic. great job Honda.

Vehicle information

Ext. color: Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 30-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.7L I-4 regular unleaded, engine with 115HP
Stock #: 596222
VIN: 2HGES16541H596222

Features

Exterior: Alloy Wheels

Reviews

Envy Motors review

Laura & Robbie are the best!!!

I had the best experience on 5/11/23 at this dealership!! I have been shopping for a long time for a car and I finally found the car I wanted at this dealership. I walked into the office and Laura and Robbie were both so helping and nice. The office was beautiful and clean. It smelt so good. They made me feel like I was a part of the family. They offered me water and coffee. They allowed me to look at every single car I was interested in and go for test drives. The process of getting my car was so easy and they made my experience perfect! Thank you so much Laura & Robbie!

2001 Honda Civic LX review

The best car to ever exist.

The best car to ever exist. Would recommend to anyone who wants a car currently, very cheap and works to what is expected. I absolutely love it

Vehicle information

Ext. color: Modern Steel Metallic
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 31-41
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, i-VTEC VCM variable valve control, regular unleaded
Stock #: 240873
VIN: 19XFC2F55GE240873

Features

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

Reviews

Magic Auto Sales review

Quiero darle las gracias a Joel por toda su ayuda y

Quiero darle las gracias a Joel por toda su ayuda y recomendar mágic auto sales

2016 Honda Civic LX review

Best car I have ever owned.

Bought this as a commuter. I get way about the EPA estimate for MPG. I average 45mpg across a tank of gas. I have the 2.0L model. So easy to do maintenance on and just works. I bought it as a lease turn-in when it was 3 years old and had 34k miles on it. I have 138k on the odometer now. In that entire time, I have replaced a single item that was not part of regular maintenance - some fuel sensor that the dealer replaced because of a light on the dash and was around $150 to diagnose and fix. Otherwise just the basic stuff - oil, brakes, spark plugs, wipers, etc. There has been one common fault that if you look at these reviews long enough you will see. An A/C problem was common on this generation. There is a factory recall on it. Both mine, and my brothers 2017 model had it done at no charge. Other than that my only grips on this car are minor crap like a select few button placement choices or the oddness that the driver can't operate all windows with the window lock engaged - usually that is bypassed only for the driver. So shy of some very small things, I would buy another one of these in a heartbeat.

Vehicle information

Ext. color: NH 904M / METEORI
Drivetrain: Front-wheel Drive
MPG: 31-40
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: RH529425L
VIN: 2HGFE2F29RH529425

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

2024 Honda Civic LX review

Heather was an amazing sales woman, I truly appreciate

Heather was an amazing sales woman, I truly appreciate her hard work for making today happen! I purchased my first car by myself. I can’t wait to love my new Honda Civic

Vehicle information

Ext. color: Smokey Mauve Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.5L I4 16V GDI DOHC Turbo
Stock #: RE002896L
VIN: 19XFL1H85RE002896

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats

Reviews

2024 Honda Civic Sport Touring review

I love this car.

I love this car. I love how it’s reliable how how move how drive very great car. I’ll recommend this to everybody 10 out of 10.

Vehicle information

Ext. color: Sonic Gray Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-37
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V GDI DOHC
Stock #: RH546870L
VIN: 2HGFE2F52RH546870

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

2024 Honda Civic Sport review

Excellent choice

Got this car for a good deal. The look is better than I anticipated, especially the silver color. People mistake the car for the Accord, that's how good it looks. The interior is also luxurious, people were surprised and thought I had a BMW or Mercedes. The ride is very smooth. Fuel efficient. The only con is the road noise, which can be ignored with the amazing Bose system. Overall, the touring model is better than the Corolla, equivalent to a Camry or Accord EXL.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 31-40
Fuel type: Gasoline
Transmission: Automatic, CVT
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: HE211979
VIN: 19XFC2F74HE211979

Features

Convenience: Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Stability Control

Reviews

Convey Motors review

Great experience!

Great experience! The staff was friendly, honest, and helpful. The whole process was quick and easy, and I’m very happy with my car. Definitely recommend this dealership!

2017 Honda Civic EX review

I recently purchased a new Honda Civic, and it has been

I recently purchased a new Honda Civic, and it has been an amazing experience so far. The car drives very smoothly, handles well on both highways and city roads, and gives excellent gas mileage. The interior is comfortable and modern, with plenty of space and great visibility. I especially love the reliability that Honda is known for and the advanced safety features that make me feel confident while driving. It’s the perfect balance of style, comfort, and performance I highly recommend it to anyone looking for a dependable and efficient car.

Vehicle information

Ext. color: Crystal Black Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 i-VTEC variable valve control, regular unleaded, engine
Stock #: EH555958STK
VIN: 2HGFB2F52EH555958

Features

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

Reviews

2014 Honda Civic LX review

Great car, but small.

Civic LX sedan.Small car that is extremely reliable and handles like a sports car. Stereo is average. Seats are a little stiff. Low to the ground makes it a little hard to get in and out. Rides great, handles even better. 118,000 miles without an issue. 36 mpg combined every day. Dont care for CVT transmission, feels slightly sluggish but will get the job done.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: 6-Speed M/T
Engine: 197.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: 2HGFG21558H707793

Reviews

2008 Honda Civic Si review

Perfect Dave Ramsey car!!!!

Bought 2008 with 94k miles on it and have owned it for 2 years (115k on it now). Great value car, great Dave Ramsey car(read the Total Money Makeover), great car value to avoid debt(buy one off a “grandma” (=low miles and not driven hard(it only went to church and the grocery store🤣😂)). I will drive it to 200k or more and my investment accounts will keep on growing!

*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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