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Used Kia Seltos SUVs for sale near Gilberts, IL

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51 matches 30 miles from 60136
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Est. $400 /mo*
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Months
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2024 Kia Seltos EX

18 mi.
$25,988 $859 price drop
McGrath Kia Highland Park
(82 reviews)
Highland Park, IL
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Kia Certified

2024 Kia Seltos EX

27 mi.
$25,988 $1,204 price drop
McGrath Kia Highland Park
(82 reviews)
Highland Park, IL

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 24335A
VIN: KNDERCAA7R7597446

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Huntley Ford review

I went in order to get a used electric car, and got a

I went in order to get a used electric car, and got a very nice one for a good price. They were willing to lower the price for me and remove several fees. Thank you, Steve!

2024 Kia Seltos EX review

Fun, sporty car for a minivan mom

I love my cute little Seltos! As a minivan mom of 19 years, it's been fun to switch it up. It has a sporty look yet is still practical enough to let my teenagers drive it. A couple things I wish the Seltos had that my basic minivan had (and probably available in other models): The driver side window doesn't roll up all the way without me holding onto the button the whole time. Definitely not a deal breaker, but I guess I used it in the van because I keep trying to do it in the Seltos. My biggest complaint is about SiriusXM. I know cars are starting to not even offer it, so I should be happy I still have it. My no frills, basic minivan's Sirius radio had it where you could select from three different screens. 1: The station name 2: The artist name 3: The song name. I loved being able to see a list of 6 artists per screen with 4 different screens and selecting the artist I wanted to listen to. It also let me save up to 40 of my favorite artists/songs, and whenever that artist or song played, it would let me know and I could switch stations to listen to. I used this often. The Seltos does not offer this. I can just see a list of stations playing. Of course I can see what artist and song are playing on the station I'm currently on, but it doesn't show me what's playing on the other stations. If anyone knows how to change this, let me know! I've spent quite a lot of time looking into this. This may be the end of my Sirius subscription because of this set up. Anyway, aside from the radio, I'm thoroughly enjoying my new ride and would recommend it to anyone!

Vehicle information

Ext. color: Neptune Blue
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: K47463A
VIN: KNDERCAA2M7119900

Features

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

Reviews

Raymond Chevrolet-Kia review

I bought from store before the experience was awesome.

I bought from store before the experience was awesome. Then it was just as great now. See Stu when you need a car.

2021 Kia Seltos EX review

I got mine new in 2021.

I got mine new in 2021. I've had a few small thing that had to be repaired but nothing major. My Seltos runs well and get good mileage

Vehicle information

Ext. color: Gravity Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2.0L I4 MPI
Stock #: DTTK25-1122A
VIN: KNDEUCAA3P7352798

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Remote Start
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
Seating: Leather Seats

Reviews

Ed Napleton Acura Kia review

Kenad and Drudar were wonderful to work with.

Kenad and Drudar were wonderful to work with. They went out of their way to meet our needs. Keep up the good work.

2023 Kia Seltos S review

I owned a 2023 Kia Seltos S, color Neptune Blue.

I owned a 2023 Kia Seltos S, color Neptune Blue. I put 72000 miles on it doing UBER. The original tires it came with lasted me 65000 miles. Nothing went wrong other than the horn went out, which Kia fixed for free. It rides SMOOTH. I had TONS of compliments from my riders. They loved the space. It was easy to take HUGE packages and bags in and out and pick up people from airports and bus stations. It's one step down from their Sportage and worth the money. I just upgraded to a 2025. Guess what I bought? Another Seltos. These are amazing vehichles that don't get enough credit. The newer models have mood lighting. They have one touch and you can open the trunk. Some have leather seats and power seats which I now have. Everyone loved the color. So yes, buy a new kia in confidence. They also have Kia Connect now and you can find your car and immobilize it IF IF IF it gets stolen. Kia will go get it for you through their connect app. They also offer to install lojack. Go for it.

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: SK4097A
VIN: KNDEUCAA4P7400258

Features

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

Reviews

Schaumburg Kia review

Service with jeffer was very excellent, everything it was

Service with jeffer was very excellent, everything it was done in one hour i recommend kia in Schaumburg. Nice people. To work with, see u nex time for service Thanks

2023 Kia Seltos S review

Hatchback light. Why oh why too little on side

Wonderful car, great acceleration and performance. The only negative I would give is the light in the hatchback! They put one small light to the bottom left!?? Why would they do that? You can't see anything but what is at the bottom left🙄🙄 I'm literally going to find a pop light to stick up above ON A BRAND NEW CAR!

Vehicle information

Ext. color: Silver
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 29-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 27722816
VIN: KNDEU2AA5M7046952

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®
Exterior: Alloy Wheels
Safety: Backup Camera, Lane Departure Warning

Reviews

CarMax Naperville review

Price listed is the price you pay!

Dealt with this CarMax dealer over the phone and email. Tried to negotiate a price based on other dealers in the area for the same vehicle and was told that the price listed was the price you pay!

2021 Kia Seltos S review

Such a great crossover!!

I just purchased one yesterday!! I must say I’m quite impressed with this I can’t believe I’m going to say this but I’ve always driven a Jeep wrangler well it’s time for something new and this has been so perfect for me I absolutely love it 😍

Vehicle information

Ext. color: Dark Ocean Blue
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: SK3924B
VIN: KNDERCAA9P7468377

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Schaumburg Kia review

Great service, great staff Always bring my car here for

Great service, great staff Always bring my car here for routine service Thanks for providing a timely and professional experience! You make having your car serviced a pleasant experience!

2023 Kia Seltos EX review

Perfect First New Car for a Young Person.

I own the 2023 Kia Seltos S. At age 23 years old, its the perfect car for me to travel around in. It gets me to and from work, and still has plenty of space for passengers and suitcases for a long weekend trip. I have the FWD option, and its a gas saver. I drive 60% city, and 40% highway, and I've so far managed to average 35 mpg, that's two more than estimated. I picked the two tone roof option which I highly recommend as it makes finding your car a breeze in the parking lot. It has the right amount of comfort, and technology for a crossover sitting at $25k. I cannot recommend this vehicle enough!

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: SK4745A
VIN: KNDEPCAA9M7130253

Features

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

Reviews

Schaumburg Kia review

Only reason why I gave facilities a lower score is

Only reason why I gave facilities a lower score is because they were going through a lot of construction and we were in a temporary location. But they went out of their way to make sure everyone was comfortable.

2021 Kia Seltos LX review

Best auto to buy.

We leased the car in November, 2020. My wife drove to Massachusetts several times during the next 5 months. Got great gas mileage and handled excellent. We're so happy with the car, we're buying out the lease. I'm 6'5" and have minimal problems getting in and out. I also use a rollator, and have adequate room to transport it in the rear storage area. This is our 5th Kia and have never had any major problems with the brand. Great car for the price.

Vehicle information

Ext. color: Cherry Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: K47904A
VIN: KNDEPCAA1P7360857

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

Raymond Chevrolet-Kia review

Stuart was a pleasure to work with very knowledgeable.

Stuart was a pleasure to work with very knowledgeable. The whole process was quick and easy.

2023 Kia Seltos LX review

New Car

Just purchased in December 2022 I only have 1100 miles on it. So far I'm loving this car. I'm hopeful that this car goes the distance as I'm getting near retirement age and put very low miles on cars. We'll see about reliability a few years from now.

Vehicle information

Ext. color: Dark Ocean Blue/White Roof
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: K47425A
VIN: KNDEUCAA2P7358804

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Remote Start
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
Seating: Leather Seats

Reviews

Raymond Chevrolet-Kia review

nce again, I had an absolutely amazing experience with

nce again, I had an absolutely amazing experience with Brian, Van, and Cesar. These guys truly go above and beyond every time. Their professionalism, attention to detail, and genuine care make you feel like more than just a customer — they treat you like family. I couldn’t ask for a better team to work with. Thank you again for another outstanding experience!

2023 Kia Seltos S review

Compact SUV, not a land-yacht...

Just got one. KIA was picked as JD POWER"S #1 most reliable car brand for 2022. Just found that out after I bought the Seltos. Nicely finished and all controls very intuitive-they put it together well so far as for materials and design. Very pleased with it so far.

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2.0L I4 MPI
Stock #: PKC15726
VIN: KNDEPCAA4P7359122

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

Ed Napleton Acura Kia review

Great and friendly service.

Great and friendly service. Ri Pritchard the salesman was great and was able to get me into the car I wanted. I highly recommend this dealership.

Vehicle information

Ext. color: Cherry Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2.0L I4 MPI
Stock #: K26072A
VIN: KNDERCAA2M7121887

Features

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

Reviews

Ed Napleton Acura Kia review

I’m so grateful for Disa, she was very informative and

I’m so grateful for Disa, she was very informative and knowledgeable in helping answer the questions I had regarding a vehicle I was interested in. Thank you so much Disa!

2021 Kia Seltos EX review

Best cross over

Save money on gas. 2 week on a tank of gas Get up and go. The kia dealership has a great team. Best warranty ever

Vehicle information

Ext. color: White
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 29-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 27540014
VIN: KNDEU2AA5M7110486

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Lane Departure Warning

Reviews

CarMax Schaumburg review

Happy shopping and purchase

I was very pleased with my experience. I started at CarMax to "try on" several cars from several manufacturers. The salesman (Jack) was happy to oblige, despite it being cold and rainy. We walked the lot and I sat in ~20 cars. I went home and researched them some more, scheduled a few to test drive and came back on Jack's day off. This time, I worked with Brandon for a few test drives and discussed other vehicles at nearby CarMax locations. They found a vehicle that fit my requirements and transported it in for me to test drive. A few days later, I was back for the final test drive, loved the car and purchased it. Jack and Brandon kept good communication, weren't pushy and were a pleasure to work with. The business office was quick and explained the paperwork and processes effectively. Now, two weeks on, I'm very pleased with my car and experience. Thanks!

2021 Kia Seltos S review

nice car

handles extremely well. great on fuel. quiet and love the interior. Lots of room. Climbs hills with ease. All instruments are easy to reach. Just what I wanted.

Vehicle information

Ext. color: Mars Orange
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 508182A
VIN: KNDEUCAA4M7172306

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, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Elgin Kia review

We just bought a new 2024 Kia Sportage EX Hybrid from

We just bought a new 2024 Kia Sportage EX Hybrid from Elgin Kia. I feel we got a very fair deal on an awesome car. Our salesperson Reanne Miller was great to work with. Very pleasant and knowledgeable with no pressure at all. I would recommend her to anyone.

Vehicle information

Ext. color: Steel Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: SK2101P
VIN: KNDERCAA2P7439612

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Schaumburg Kia review

Currently under construction so some customers didn?

Currently under construction so some customers didn?t understand to pull their cars out of the way when they went in the trailer. A sign should be posted as such.

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: LT300
VIN: KNDEPCAA2S7672758

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

McGrath Kia of St Charles review

They are the greatest team!

They are the greatest team! Shane, Kamal, Nick, Jon and Lacey,Francisco - made my dreams come true

2025 Kia Seltos LX review

I have had pickups since 1973.

I have had pickups since 1973. My sister bought a Seltos 2 years ago and loved it. I bought one and cannot complain. It’s a 4 cyl so don’t expect to burn rubber but it will get you any place you want to go. Very happy so far…

Vehicle information

Ext. color: Gravity Gray
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: 8-Speed Shiftable Automatic
Engine: 4 Cylinder
Stock #: D507123
VIN: KNDETCA77R7658588

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, 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
Seating: Leather Seats

Reviews

Elgin Kia review

Reanne was amazing very honest!

Reanne was amazing very honest!( hard to find in dealers) absolutely recommend! No bulls*** at all!

2024 Kia Seltos SX DCT AWD review

Recommend

My Seltos EX is a compact suv that is stylish and has all the features I need. Comfortable and gets good gas mileage for all wheel drive. Got mine for about $27,500 so it is a great value.

Vehicle information

Ext. color: Snow White Pearl
Int. color: Black
Drivetrain: All-wheel Drive
Transmission: CVT
Stock #: L6455
VIN: KNDEUCAA1R7529559

Reviews

Gerald Kia of North Aurora review

Friendly and helpful advisors, clean facilities with

Friendly and helpful advisors, clean facilities with amenities, and good overall service.

2024 Kia Seltos S review

2024 Kia Seltos S

Honestly, I was skeptical about the Seltos. I initially wanted the Sorento, but happy that we decided on the Seltos. Absolutely love this SUV. It’s an amazing car for the cost and would highly recommend it to anyone in the market. Features that come with it are amazing! I have the “S” model and it is packed with some really neat and convenient features that meet all the needs.

Vehicle information

Ext. color: Blue
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 508276A
VIN: KNDEUCAA1P7419690

Features

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

Elgin Kia review

I worked with Kostya Reznik, who worked very hard for my

I worked with Kostya Reznik, who worked very hard for my business. He knew I was looking for a very specific used vehicle, and he checked in with me every couple of weeks to answer questions and update me on inventory. In the end, I did not buy from him, but he earned my respect nonetheless. He is knowledgeable, hardworking, thoughtful, and respectful. He will work hard for you. I ended up purchasing a pre-certified Kia Niro PHEV from another dealer, but if I were shopping new inventory, Kostya would be my first call.

Vehicle information

Ext. color: Cherry Black
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, variable valve control, regular unleaded, engine wi
Stock #: 508166A
VIN: KNDERCAAXN7309624

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
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

Reviews

Elgin Kia review

All my questions answered.

All my questions answered. Joey was respectful and not pushy. It was a pleasent and quick experience.

2022 Kia Seltos EX review

Sweet ride for the $

I've owned this car for a little over 10 months now, and I thoroughly enjoy it. Some of the things that could use some improvement would be road noise, speakers in the back are almost inaudible, placement of the infotainment screen is kind of odd, and maybe less plastic in the interior. As far as the engine goes and transmission, transmission runs smooth and the engine could use a little more get up and go. Of course I only have the 2.0L. The ride is pretty smooth and I don't feel too many bumps like I did in my Soul.

Vehicle information

Ext. color: Dark Ocean Blue
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-31
Fuel type: Gasoline
Transmission: CVT
Engine: 2.0L I4 MPI
Stock #: K25-797B
VIN: KNDERCAAXM7110443

Features

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

Reviews

Ed Napleton Acura Kia review

Know how to work with customers always giving deals on

Know how to work with customers always giving deals on service. In service department. A one.

Kia Seltos prices by year

Model year Prices from Deals
2026 Kia Seltos $23,373
2025 Kia Seltos $23,330
2021 Kia Seltos $13,668 16 Good deals

*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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