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Used Kia Forte LXS for sale near Zion, IL

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3,514 matches All miles from 60099
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Used

2020 Kia Forte LXS

65,346 mi.
$13,247 $153 price drop
Russ Darrow Kia Madison
(1,105 reviews)
Madison, WI
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Used

2023 Kia Forte LXS

59,544 mi.
$15,247 $500 price drop
Russ Darrow Kia Madison
(1,105 reviews)
Madison, WI

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: A12357B
VIN: 3KPF24AD7RE706867

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Toothman Ford review

Sold a vehicle.

Yes I highly recommend them I tried to give chenoweth Ford another chance after not being as happy as I felt like I should’ve with the two new vehicles we purchased from them & they insulted me with their offer. I called Sara at toothman and she got me an offer I am pleased with. Do not deal with chenoweth learn from my mistakes and I’d give toothman 10 stars if possible.

2024 Kia Forte LXS review

I bought my Forte LXS in Feb of 2024 and i've driven

I bought my Forte LXS in Feb of 2024 and i've driven 9,000 miles on it so far. it's been great and i prefer this over a Corolla or a Camry. on the highway i sometimes get fuel economy in the low 50's mpg and on average i get around 37 mpg combined. not bad at all. i bought this for $21K after taxes and registration. the value can't be beat imo.

Vehicle information

Ext. color: Deep Sea Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: 25491X
VIN: 3KPF24AD6PE596844

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Fox Ford review

The information I needed was online, Keith, the

The information I needed was online, Keith, the salesperson was very accommodating without giving any pressure. He was great to work with. Signing went very smoothly and quickly.

2023 Kia Forte LXS review

Bought a 2023 forte gt-line for my daughter.

Bought a 2023 forte gt-line for my daughter. We have had the car for 13months and have driven about 12,000 miles. I honestly cannot believe the 1star reviews, nor should you. I was a loyal Honda fanboy for over 30 years before I bought this Kia. I bought a totally loaded Forte non turbo for a hair under 25k with a crazy good warranty. Why not? I figured. 13 months and 12k miles later it rides better, has more power and is quieter than the day we bought it! Zero issues with anything. No squeaks, rattles or interior flaws. Sadly no tire wear. I cannot wait to replace the Kuhmos it came with. It handles great and is fun to drive. My wife calls it “a peppy little thing”. And she drives a CX-5 turbo or my 5.7 liter ram. Over 40 mpg on highway and mid 30s driving around town. This is a fine car. Not a cheap version Hyundai. Much nicer IMHO than the Hyundai. For those knocking the resale… run the numbers and try to buy one as cheap as you say you sold yours for. The Harmon Kardon stereo sounds awesome! This is one of my favorite purchases because its value continues to surprise me. And they give a $500.00 military discount. Don’t buy based on my opinions go test drive one! Test drives are free. Go to carvanna or get on car gurus and see how cheap you can buy one a year or two old used one for.

Vehicle information

Ext. color: Currant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: 2467A
VIN: 3KPF24AD6RE769507

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Seeger Toyota of St. Robert review

highly recommend

I did not end up buying a vehicle here but these guys are first class. Would highly recommend this dealership. Chuck Rogers is straight shooter.

2024 Kia Forte LXS review

Top tier kia forte 2024

I love my kia forte. I got the top tier kia Forte with leather seats which heat and cool and also a sunroof. This car is very comfortable! It is a little on the pricey side for my top tier one, but in the long run it is worth it.

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: RE796992A
VIN: 3KPF24AD9RE796992

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Southfork Chrysler Dodge Jeep Ram review

Thank you Michael for taking care of us

I great place with a great customer service, thank you Michael for helping me to purchase with my dream Jeep wrangler. You were amazing my friend and also my finance guy that don't remember his name, may God bless you guys.

2024 Kia Forte LXS review

2024 KIa Forte is pretty great!

It's too soon to tell how reliable this car will be in the future. However, at just one-month-old, it fits all my wants and desires. I love the interior, its comfort, and the extras that are in this car. The controls on the steering wheel make it safer while driving. The navigation system replaces all maps that I have on my phone and it helps to have the speed limit posted on the navigation read-out. This is my fourth Kia and I have never been disappointed.

Vehicle information

Ext. color: Deep Sea Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: VW3404A
VIN: 3KPF24AD0PE581417

Features

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

Reviews

Planet Pre-Owned / Matthews Mitsubishi V review

Even though I didn't end up purchasing a vehicle, I have

Even though I didn't end up purchasing a vehicle, I have to give major credit where it's due—Ariel Almonte was hands down one of the best sales professionals I've ever dealt with. From the moment I stepped onto the lot, he was friendly, patient, and genuinely interested in helping me find the right fit, not just pushing a sale. What stood out most was their honesty and transparency. They took the time to answer all my questions (and there were a lot), offered insights without any pressure, and gave me the space to think things through. It's rare to feel like someone has your best interests in mind during a big decision like this—but that's exactly how Ariel made me feel. While the car just wasn’t the right one for me at this time, I’ll definitely be coming back when I’m ready—and I’ll be asking for Ariel by name. If you’re looking for a trustworthy, professional, and genuinely kind person to guide you through the car buying process, do yourself a favor and talk to Ariel. They made what could have been a stressful experience feel easy and positive. Highly recommend!

2023 Kia Forte LXS review

I purchased my GT turbo - automatic in 2021 as 2022 model

I purchased my GT turbo - automatic in 2021 as 2022 model and my only regret was that didn’t wait for the cooling seats package. Great looking vehicle with above average performance and great fuel efficiency. It’s one of the best affordable sports sedans in the market and one of the few where you can actually fit a 6’ adult in the backseat. I’m looking to add another with my desired package soon.

Vehicle information

Ext. color: Gravity Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: SF276A
VIN: 3KPF24AD0PE527065

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Bob Ferrando Ford review

Ford Fusion

The entire staff was very kind. The vehicle is exactly what I was expecting.

2023 Kia Forte LXS review

affordable, stylish, competative

Bought my Forte Gt line at Mathews of Blakley Kia, great salesman ship, i had Dylan, he was very knowledgeable. My Forte is beautiful paid under 23000. and got a car with alot of options other dealers would have charged you for looks great and performs well, i have read other reveiws that slam the kia brand but they have come a long way

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: CVT Transmission
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: H6522P
VIN: 3KPF24AD4RE829235

Features

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

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: PE582795P
VIN: 3KPF24AD4PE582795

Features

Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Howdy Honda review

Great Experience at Howdy Honda.

This was The BEST experience that I have ever had in purchasing a vehicle, thanks to Sales Representative, Jason Goemer. A delight to work with. He was professional, wanted to meet the needs ands wants of my purchase. The Finance Dept was professional and helpful. Make ready had it ready for me in 2 hours.

2023 Kia Forte LXS review

Love my Kia Forte LXS w/ Technology Package.

I bought this vehicle in February of 2023. I have approximately 9,000 miles on it and it has performed flawlessly. It is very easy to drive and gets great gas mileage. Mine is Red (currant red) with black interior.

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: 18696T
VIN: 3KPF24AD8NE459482

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Ken Ganley Chrysler Dodge Jeep Ram Mentor review

I visited the dealership on 12/5/25 with hopes of going

I visited the dealership on 12/5/25 with hopes of going home with the Mazda6 I had seen online. Terry, Troy and the others behind the scenes made it all happen and I went home HAPPY with that Mazda6!!! Thank you Ken Ganley of Mentor!!!

2022 Kia Forte LXS review

I drive the 2023 Kia Forte GT Manual, and I couldn’t

I drive the 2023 Kia Forte GT Manual, and I couldn’t recommend this car more!! The only complaint I have is now that I’m trying to find a new car with a more fancy name to impress clients, I can’t find anything I enjoy nearly as much. The car is built on a BMW M3 chassis, has the luxury features and interior to match with an average combined fuel mileage of 34mpg and the reliability of a newly redesigned Kia. It handles phenomenally well and is unmatched within its price point. It loses value quickly (until the general population realizes their tech and reliability recently surpassed Toyota and Honda) so buy a used 2023 or 2022, and you’re smooth sailing. I drove this car from Philadelphia to Los Angeles and was complimented by strangers in almost every city I stopped in along the way!

Vehicle information

Ext. color: Silky Silver
Int. color: Black
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: 2FL12165
VIN: 3KPF24AD2KE061499

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Laird Noller Ford Topeka review

I just want to thank Paris Burnell again for all her hard

I just want to thank Paris Burnell again for all her hard work by keeping me informed through out the week about my vehicle status and how things were going to make sure I was kept up to speed about everything and she made sure the job got accomplished. Thank you for all your help and service if anyone is looking for a new car Paris Burnell is the person to see. ⭐

2019 Kia Forte LXS review

Longterm Kia 2019 XLS Awesome!👍

I am a long time owner of a Kia Forte 2019 bought it in 2018. I have almost had it for 5 years now. It has around 80,000 miles of trouble-free driving. I do the necessary maintenance that's it. The pros of this car it's easy on the eyes and easy to pay for. It didn't take me long to double my payments and pay this wonderful machine off. I also like the fact I don't have to go to the gas pumps much. I can go 435 miles on a simple tank of gas. I get about 43.5 miles a gallon highway and average around 34.5 City and mix driving. I love all of the safety features I have lane keep assist frontal crash anti-lock braking and traction control. I even have done some pretty good snow driving with all season radials Continental. It also has a neat feature where it will drive by itself for about a minute. I have the XLS model. So yes I have the Ivt transmission it has worked very well. I don't understand why everybody was so insecure about this Ivt drivetrain it is ran on a chain not a belt. I have nothing but great things to say about Kia engineering. I don't know why but for some reason the 2019 Kia Forte does not have many of the problems associated in the news. I also have the new anti-theft that Kia Motors placed at no charge to me. I think the days are gone when you can complain about Kia recalls. I think we've seen in the news even Honda, Toyota and Nissan have all had recalls also. I feel like Kia turned a big corner in 2013 on making great automobiles. I like them because they're easy on the budget and very reliable and good on gas. I also like the fact there is a lot of room that comes with these vehicles. I also have a Kia Sorento V6 2019 that is also been a good vehicle. Like they say Kia has the power to surprise. Forget keeping up with the Jones get a car that will save you money.

Vehicle information

Ext. color: Aurora Black Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: M070108A
VIN: 3KPF24AD1ME336895

Features

Convenience: Keyless Entry, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Volkswagen of Gainesville review

Rough working finance

Once I contacted Volkswagen of Gainesville communications back and forth via.email was terrific Hannah kept in touch with me and allowed us once we arrived to have the vehicle taken to a local mechanic for inspection that process was very helpful the only downside through the entire process was the financing we were pre-approved from our bank but there was too much back and forth with the financing

2021 Kia Forte LXS review

very good very comfortable and very impressive sup

I own a very nice car, I like it very much, the handling is great I would recommend it to everyone good price performance good

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: 260159A
VIN: 3KPF24AD9NE466070

Features

Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Jeff Haas Mazda review

I had a easy and great time in the dealership.

I had a great time in the dealership. All the staff are very friendly and helpful. Joseph did everything to help me get my CX5 as quick and as convenient as possible. Very happy.

2022 Kia Forte LXS review

KIA Fun-te!

Just picked up a 2022 KIA Forte GT Line for my wife. Car has outstanding pick up for a 147hp engine. I don't find any difference in performance in changing the various driving modes available though. The fuel economy isn't bad either. We're seeing an average of 34mpg and that is mostly highway driving. Rear leg room in the back seats is perfectly adequate for adults. We have a child's booster seat in the rear passenger side and I have plenty of leg room up front at my 5'11 height. Trunk is very spacious. I can fit two large and one smal suitcase inside it. Interior is pretty high end for a $26k car. Leather seats are well made. Layout of the dash is nice. My only complaint is something lacking on all cars made now. I miss my in-dash CD player. Sorry, I like my tunes and CD case. Overall I would recommend this car to anyone seeking something fun to drive that is both sporty and also economical at the same time. We've only had the car a couple of weeks and have gotten a number of passing positive compliments from strangers.

Vehicle information

Ext. color: Gravity Gray
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: CVT
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: PL130
VIN: 3KPF24AD9PE678535

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Infiniti of South Bay review

Went in just to look at a car and wound up buying it.

Went in just to look at a car and wound up buying it. Very easy, smooth and quick transaction. Been going to their service center for years.

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Variable
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: MSS260010A
VIN: 3KPF24AD3PE625975

Features

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

Reviews

Mike Shaw Subaru review

My experience buying was great.

My experience buying was great. David Newman is an excellent salesman answered all my questions. If I ever need to buy a vehicle again I would ask for David Newman.

Vehicle information

Ext. color: Currant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: P14490
VIN: 3KPF24ADXRE808678

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Peoria Ford review

I wanted to commend the service department on their

I wanted to commend the service department on their professionalism. I had Johnny take care in a recall for my Ford Transit Connect. They did an overall inspection and suggested a few services that should be done. He didn’t try to scare me to do them and did only the services I authorised after he took the time to explain how they perform the work. Upon picking up my vehicle Spencer who has helped me in the past was great in helping delivering my vehicle. I also want to thank Alex in Mobil Vehicle Service for setting up my oil change. Great Team!!

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Variable
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: P5522
VIN: 3KPF24AD7PE651608

Features

Convenience: Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Rainbow Chrysler Dodge Jeep RAM review

After trying to get service from my local Dodge

After trying to get service from my local Dodge dealership for what turned out to be a simple fix, I reached out to the Rainbow dealership in McComb, Mississippi. Never in my wildest dreams would I expect to get service from an out of town dealership the same day. I made a phone call at 8 AM to the rainbow dealership seeking service, Miss Stacy, the service writer ask if I could bring my truck in at 11 AM. My answer was absolutely. Two hours later I was back in my truck and headed to my farm. What a wonderful dealership. I will now have all of my service done at rainbow Dodge Chrysler in McComb, Mississippi. Great team!!!!!

Vehicle information

Ext. color: Fire Orange
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: A0158A
VIN: 3KPF24AD9RE702867

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Jack Kain Ford review

A little over a year ago I noticed a red Mustang

A little over a year ago I noticed a red Mustang convertible on the lot. I stopped in and test drove it. I came back and made the deal. When I came to pick it up, Nik had it washed and ready to go. It was a painless purchase experience and we’ve since taken the car on several driving vacations. They check on me periodically. I wouldn’t hesitate to recommend them or buy again!

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: CVT
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: BV2381
VIN: 3KPF24AD1PE515877

Features

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

Reviews

Ourisman VW of Laurel - Curbside pickup and home delivery available review

Superb deal, swift service

Was in the market for a specific vehicle to fit our growing family. Great service from the online environment to the showroom. Would thoroughly recommend this dealership.

Vehicle information

Ext. color: Currant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: 3763949
VIN: 3KPF24AD8RE763949

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Corwin Chrysler Dodge Jeep Ram Fiat of Springfield review

I was helped by Schyler Chott, very knowledgeable young

I was helped by Schyler Chott, very knowledgeable young man, very intelligent and trustworthy. Definitely will recommend if you looking for a professional.

*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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