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Used Kia Rio for sale near Lima, OH

Filters 3 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
658 matches All miles from 45805
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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: Currant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: PE590611
VIN: 3KPA24AD5PE590611

Features

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

Reviews

Shawnee Mission Kia review

It was nice.

It was nice. Jeff did a great job. The other sales guy came in clutch at the perfect time. We were ready to leave and he brought us choices.

2023 Kia Rio S review

2023 Kia Rio, get one while you can!

Bought the 2023 Kia Rio in April 2023 new, so have been driving it about 10 months now. Overall I like it a lot, it drives smoothly, has nice features (rear view camera, push button start, alloy wheels, LED lights, forward collision warning tech., etc.) and great gas mileage for an all gas car. I've taken one road trip in this and gas mileage on the freeways was over 50mpg! On a day to day basis, I average over 40mpg in the city. Only thing I can complain about is Kia has decided to discontinue the Rio for 2024 and beyond. I'm lucky to have gotten one of the last ones! Too bad most Americans continue to be programmed by marketing and media to drive big, fat gas guzzling trucks and SUVs. Ridiculous. I will continue to drive my small, fuel efficient, hatchback and shake my head at all the people in their gas guzzlers around me.

Vehicle information

Ext. color: Sporty Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: P20405
VIN: 3KPA24AD7PE585085

Features

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

Reviews

Luther Kia of Inver Grove review

User - Friendly experience overall.

User - Friendly experience overall. Staff Was good to work with and despite being very busy we were able to get the deal done relatively quickly. Really appreciated their flexibility in letting me keep my old plates (I had just paid the tabs). I have no hesitation with working with this dealership again in the future.

2023 Kia Rio S review

After one year, we are loving our Rio!

We have been driving our Rio for just over one year. It's not a luxury car, but we didn't want to spend a larger amount. Our most pleasant surprise is the gas mileage: it has consistently been between 42 and 45 MPG. We do live in the country, so we drive about 15 miles each way to town on a country highway that has a speed limit of 55. We did have an intermittent, annoying electrical problem, but our dealership was able to resolve the problem by the next morning. All-in-all we are very pleased with the performance and comfort, and the acceleration is quite satisfactory.

Vehicle information

Ext. color: Bright Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-37
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: NS8907A
VIN: KNADM5A37E6419993

Features

Convenience: Keyless Entry
Entertainment: CD Player
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Joe Rizza Ford Lincoln review

Great experience salesman was awesome.

Great experience salesman was awesome. Took only two hours from the time we got there till the time we were driving off the lot bought a really nice car for a low amount of money.

2014 Kia Rio LX review

Rust starting early . Other than that, great car !

Only problem , it started rusting second yr on trunk window area and trunk opening . Never have had that happen before . Never had a car ever do this

Vehicle information

Ext. color: Silky Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: P3656A
VIN: 3KPA24AD2LE281544

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Brewster Subaru review

BEST experience EVER!!!

The best car-buying experience EVER! We walked into the dealership knowing what we were looking for, but not intending to "take the leap". There was no pressure, Mitchel listened to our preferences and was able to locate our dream car. We fell in love at first sight! Our Ascent Touring in Dark Mahogany Pearl fits our needs perfectly. Mitchel even fulfilled our last-minute request for wireless charging and got it to us before pick-up. On the day of pick-up, Rich went through our financing and extended warranty needs explaining everything and getting us set up. This is our 7th Subaru, the first from Brewster, and we couldn't be more satisfied! We will be back.

2020 Kia Rio LX review

2020 Kia Rio

I rolled my 2002 P T Curser and needed to get another car so I wanted to get a Kia Ive never heard of a Reo nor had i ever seen one. The car lot pulled out the Reo and after i drove it I fell in love with it so far it runs great no problems good gas milage. I have only had the car for a month tho so time will tell.

Vehicle information

Ext. color: Clear White
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 27-37
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.6L I4 16V GDI DOHC
Stock #: E638594A
VIN: KNADM4A33E6385948

Features

Entertainment: CD Player, Premium Sound System, Satellite Radio
Safety: Brake Assist, Stability Control

Reviews

Lester Glenn Hyundai review

Crystal Gayle was GREAT, We got what we considered fair

Crystal Gayle was GREAT, We got what we considered fair deal on the leases for both the Kona and Tucson!

2014 Kia Rio LX review

Great Commuter Car

I drive this car for work 80 miles everyday. Currently at 68k miles. Absolutely no major mechanical issues. The little engine has a surprising amount of power, mated to its smooth shifting 6 speed automatic. I’m 6’1” and still fit “comfortably” inside. I did add a center console with armrest for more storage and comfort. My only complaints: -Door panels are hard plastic, not comfortable to rest your elbow. -Not much sound deadening in the car. A good set of tires is a must for a quiet ride. You hear everything. Overall this is an excellent commuter, spare car, or first car. Very reliable with great styling.

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: KWK250635B
VIN: 3KPA24AD3PE628675

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Koons Kia review

The best car buying experience I’ve had and we’ve

The best car buying experience I’ve had and we’ve purchased a lot of vehicles. The salesperson Andrea was wonderful, informative and helpful! The sales manager, Tyler Winchell was also great! He got us a great deal on our Kia Sorento. He was friendly and gave us a discount that helped me get into a great Kia!

2023 Kia Rio LX review

Great, Comfy Daily Driver

Sadly, this review won't be worth a hill of beans, as Kia has decided to no longer offer/make it in the USA. I wanted to replace an older (electric!) subcompact car with a new, full-warranty automobile that cost less than US$20k. The Rio checked all those boxes. Surprisingly, it's got some very nice features, like Apple CarPlay. My "S" model has 60/40 fold-down rear seats, keyless entry and a center console. For a small, 4-cylinder engine, the 1.6L, 120hp gets the job done. I use it for town driving, but I feel it would be comfortable on the road as well. And with 38mpg average, a 400 mile trip on one tank isn't out of the question. The back seat is large enough for my two grandchildren, and the front seats give me ample legroom and comfort. If this is what a "plain" daily driver goes for these days, I'd buy it again!

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: 19365
VIN: 3KPA24AD1PE559095

Features

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

Reviews

Tom Gill Chevrolet review

Thank You Ryan Harkins for making it so easy to purchase

Thank You Ryan Harkins for making it so easy to purchase my brand new car. I absolutely love it!! You made me feel very comfortable and you were knowledgeable on every process. Thank you for showing me around and how to pull your vehicle in to have an oil change and car wash. I definitely recommend this guy for your new car purchase. Thank you again Ryan!!!

2023 Kia Rio S review

Great seller

It was great and exceptional, the seller was attentive and super helpful, thanks for every minute it was dedicated. The car was clean and ready, it overpassed my expectative

Vehicle information

Ext. color: Deep Sea Blue
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: S26178A
VIN: 3KPA25AD3LE307350

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Great Lakes Subaru review

Very easy to work with ended up buying a car online from

Very easy to work with ended up buying a car online from them they didn't play any games and i feel like i got a fair deal. Rob answered all the questions i had and set up getting the car brought to me very standup guy and a man of his word.

2020 Kia Rio S review

My 2nd Kia after driving my Spectra for 16 yrs. 😊

All around very pleased. 2nd time around. 😎 Bought 2004 Kia Spectra drove 16 yrs, 250,000. Great car. Lovin my 2020 Kia Rio 5 Sport.

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: T468989
VIN: 3KPA24AD7NE468989

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, USB Port
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Parkside Kia review

I had a great buying experience.

I had a great buying experience. Yana was great to work with and worked hard with the manager to get me approved. She was very patient and even brought my son snacks and drinks. Yana made this experince stress free. I am very happy with my new car and will definitely recommend Parkside Kia and Yana to all my friends and family !

2022 Kia Rio S review

Love it

There is no arm rest in the middle. I love the car. It gets me from point A to point B. I recommend this car.

Vehicle information

Ext. color: Currant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: KTS6324A1
VIN: 3KPA24AD0ME422774

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Stability Control

Reviews

Utter Family of Dealerships review

Great experience, no hassle and very nice people.

Great experience, no hassle and very nice people. I will try them again the next time I need a car.

2021 Kia Rio S review

Great subcompact car.

Great subcompact car. Attractive exterior, nice simple interior. Great gas milage. Wish it had telescopic steering wheel option,(I'm 6'2") But you adjust. I love my Rio Hatchback!

Vehicle information

Ext. color: Silky Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: PE612723
VIN: 3KPA24AD7PE612723

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Group 1 Toyota Albuquerque review

The process was highly efficient!

The process was highly efficient! Everything was great! They also had what I was looking for, which was surprising ! I didn?t expect them to have such a variety? So perfect timing! Thanks to Tyler for his tremendous help with this purchase!

2023 Kia Rio LX review

Great value, features. Lousy back eat space.

I bought the S trim without the tech package. Upsides This car is a terrific value. Lots of car and features for the money. Nice styling, good cabin layout, nice looking and comfortable seats. Trunk pass-through to the rear seats is nice. For me, it offers confidence, because of very high safety rating, great handling, sufficient excelleration (peppy on the takeoff, good passing dynamics, although you arent't going to win any drag races), great breaking, tight turn ratio, and a smooth, comfortable, and quiet ride for such a small car. As it is for my wife, I have no worries when she is on the road. Also great gas mileage. We're getting above the rated number -- 38 mpg in just city driving. She doesn't drive on the freeway if she can help it, so we won't know that number until we take a trip.. Downsides: Lousy back seat space. Although we rarely have passengers, it is a bit tight back there. (I guess I'm spoile by our Versa, which has gobs of back seat room). I haven't driven it with a load of people in there, and I suspect the pep and ride will be adversely affected. I mean, it's only a 1.6 litre 4-banger with 120 horses. What can you expect? dash and door material kinda plasticky, but it's an entry level car, so that's to be exppected. Also, the tech features have a bit of a learning curve -- we're boomers, so we have the usual boomer problems, although we're not totally tech-stupid. All in all, a great buy.

Vehicle information

Ext. color: Phantom Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: CVT
Engine: Gamma II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: TL337973A
VIN: 3KPA24AD2LE283892

Features

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

Reviews

Fred Anderson Nissan of Asheville review

Very happy with my Nissan Rogue purchase.

Very happy with my Nissan Rogue purchase. Fully transparent dealership. Would definitely recommend this dealer.

2020 Kia Rio S review

Most spacious and comfortable interior and ride

I fell in love with the unique exterior look and then was surprised at the spacious comfortable interior that had the elegant dash with every update I needed. Love the roomy hatchback feature, and the power and pickup is excellent and easy to drive.

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: CVT Transmission
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: PE544111Q
VIN: 3KPA24AD8PE544111

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Lithia Chrysler Dodge Jeep Ram of Corpus Christi review

Staff Ruben DelaCruz provides great customer servi

Reuben DelaCruz Lube Express Advisor at Lithia Dodge 4313 S. Staples. He is very courteous and patient with me and all customers. He is the only employee that has stayed with Lithia Dodge. He has worked at the car company for a long time.

Vehicle information

Ext. color: Silver
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: H4080Z
VIN: 3KPA24AD3ME381007

Features

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

Reviews

Carville's Auto Mart review

Had a wonderful experience!

Had a wonderful experience! Purchased a 2019 Tundra last month and had nothing but great things to say. Joel answered all of my questions and I felt taken care of!

2021 Kia Rio S review

I've had my 2021 kia rio hatchback since October '21.

I've had my 2021 kia rio hatchback since October '21. It is a solid reliable subcompact. It performs fine, and has enough power for its size. Wireless connectivity is a plus. Nice sound system. My only disappointment is no telescoping steering wheel (I'm tall) but you adjust, Very happy with this car!

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 33-41
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: LE298383
VIN: 3KPA24AD1LE298383

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

AutoNation Honda at Bel Air Mall review

Drove in to see used 2023 car, but it had already sold.

Drove in to see used 2023 car, but it had already sold. They quickly put together offer for a new 2026 civic sport while I shopped at other dealers. They called and the deal was better than used car, so we immediately bought from them. Fast and friendly buyer experience.

2020 Kia Rio LX review

Stylish and a Great Value

Very nice looking car. The entertainment system is amazing. Its like having a tablet in your car. Some standard things are missing (cruise control) but this car offer great value and an unmatched warranty.

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: CVT Transmission
Engine: Gamma-II 1.6L I-4 DOHC, variable valve control, regular unleaded
Stock #: PE588082DL
VIN: 3KPA24AD5PE588082

Features

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

Reviews

All American Chrysler Dodge Jeep Ram of Midland review

Happy customer

Wonderful experience! Lisa is very helpful and dedicated to helping you get what you want at a price you can afford. Thank you-another happy customer!

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-37
Fuel type: Gasoline
Transmission: Automatic
Engine: Gamma 1.6L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: YU445571
VIN: KNADN5A33F6445571

Features

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

Reviews

Heritage Toyota Harrisburg review

I wanted to take a moment to highlight the exceptional

I wanted to take a moment to highlight the exceptional service Jay Chism provided during my recent vehicle purchase on 11/22/2025. From the very beginning, he made my wife and me feel prioritized and genuinely cared for, which is something we did not expect walking into a dealership. His professionalism, patience, and willingness to go above and beyond set the tone for a truly outstanding experience. Jay took the time to guide us through a process we weren’t familiar with, and he explained everything clearly without ever making us feel rushed or uncomfortable. He consistently checked in with us, made sure we understood every step, and ensured that we felt supported the entire way. His dedication to making the experience smooth and stress-free truly stood out. What impressed us most was the heart behind his service. Jay made it very clear through his actions and words that he approaches his job with sincerity and a desire to show people genuine kindness. It’s rare to meet someone in sales who is motivated by more than just the transaction, and Jay demonstrated that he genuinely cares about the people he works with and the families he helps. Overall, Jay provided a level of care, respect, and integrity that deserves recognition. He made a big step for our family to feel secure and meaningful, and we left the dealership feeling confident and grateful. Jay is an asset to your team, and I would not hesitate to recommend him to anyone looking for someone they can trust.

2015 Kia Rio EX review

Very reliable. Low maintenance car.

This car met all of my needs. It has plenty of legroom in the front and back. The ride is great compered to another cars I tested. I has USB ports and much more.

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 32-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: RM17436
VIN: 3KPA24AD7PE520253

Features

Convenience: Keyless Entry
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Rocky Mountain Auto Brokers Inc. review

Edgar was very easy to deal with & went out of his way to

Edgar was very easy to deal with & went out of his way to way to help. His reply to my email about the car was incredibly fast and helpful. I love my car!!!!!!

Vehicle information

Ext. color: Clear White
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 27-37
Fuel type: Gasoline
Transmission: Manual
Engine: 1.6L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: TE6362560
VIN: KNADM5A38E6362560

Features

Entertainment: CD Player, Satellite Radio
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Grand Junction Subaru review

This is been the best experience I ever have in a

This is been the best experience I ever have in a dealership - great people great atmosphere- recommended - the team is friendly, knowledgeable and on time with all necessary steps of purchase

2014 Kia Rio LX review

Pleasantly surprised

This vehicle is comfortable and reliable. It gets great gas mileage also.The trunk is roomy and the sound system is fantastic.i would recommend this vehicle

Vehicle information

Ext. color: Signal Red
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 27-36
Fuel type: Gasoline
Transmission: 6-Speed Shiftable Automatic
Engine: Gamma 1.6L I-4 gasoline direct injection, DOHC, variable valve c
Stock #: H6015545
VIN: KNADM4A30H6015545

Features

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

Reviews

Mike Maroone Honda review

Original car I was purchasing has a "surprise" issue

Original car I was purchasing has a "surprise" issue which was not mentioned until after I paid for it and was awaiting delivery. In the end they made it right in every way and went above and beyond to do so. I am 100% satisfied with the ending to the story working with this dealership.

2017 Kia Rio LX review

Most reliable car I've owned

I wouldn't drive any other car, have had a KIA for the pass 10 years, reliable, easy to drive and has given me good mileage.

About the Kia Rio

FAQs

How much does the Kia Rio cost?

The Kia Rio price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Rio is $10,817, with pricing starting at $995.

What is the MPG of the Kia Rio?

The Kia Rio with traditional internal combustion engine offers up to 33 MPG city and 41 MPG highway for a combined rating of 36 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 Kia Rio?

The Kia Rio compares to and/or competes against the following vehicles:


What trim levels are available for the Kia Rio?

The Kia Rio is available in the following trim levels:

*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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