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Used Kia cars for sale near Painted Hills, IN under $19,989

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170 matches 30 miles from 46160
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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: Imperial Blue
Int. color: Satin Black
Drivetrain: Front-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: 6-Speed Automatic with Sportmatic
Engine: I4
Stock #: 13977A
VIN: 5XYPG4A38LG654446

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, Rear Cross Traffic Alert, Stability Control
Seating: Third Row Seating

Reviews

Carver Toyota of Columbus review

They were ok but they sold the 2005 Chevrolet Trailblazer

They were ok but they sold the 2005 Chevrolet Trailblazer EXT before I could go to them and look at it and take it on a tast drive and Talk about financing

2020 Kia Sorento LX review

6cyl has good power and acceleration.

6cyl has good power and acceleration. Sun roof motor failed on me even though I barely used it. Costly to replace. Oil pressure switch failed on me. About a $30 part but $1400 to replace because it’s difficult and time consuming to replace. Third seat not really usable but I only needed the space for hauling. Overall a decent vehicle.

Vehicle information

Ext. color: Platinum Graphite
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 20-28
Fuel type: Gasoline
Transmission: Automatic 5-Speed
Engine: 2.7L V-6 DOHC, variable valve control, regular unleaded, engine
Stock #: A5411213STK
VIN: KNAGH4A48A5411213

Features

Convenience: Keyless Entry
Entertainment: CD Player, HomeLink, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

ABA Auto Sales & Service review

Great deal and price

Jon was fair and upfront with me on the Nissan Maxima deal. We agreed on a deal and he kept his word. Had the car fax and we worked out a warranty on the car. Made my drive from and back to Louisville Ky a pleasant one. I would recommend ABA to anyone. Car dealing is a two way street. Always do your homework when buying. Jon answered my questions and he was fair and honest. Thanks Jon and ABA.

2010 Kia Optima EX review

Honestly worth the purchase. Huge Money Saver!

This is simply a great car! I highly reccommend anyone that is trying to save money and go the extra mile this is the car for you!

Vehicle information

Ext. color: Aurora Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-39
Fuel type: Gasoline
Transmission: CVT
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: W227
VIN: 3KPF54ADXNE441685

Features

Convenience: Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, 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

Community Ford of Bloomington review

Great Team and Dealership!

This team is very kind, courteous, and will help their customers in every way possible. Tony Martindale is a great Customer Care Representative, he makes it a point to meet all our needs and assures that we are satisfied before leaving the dealership. They also have a great service and body shop. We have and will continue to recommend Bloomington Ford & Lincoln, to everyone. GOD bless you all! And thanks again for everything.

2022 Kia Forte GT-Line 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: Sangria
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Theta II 2.4L I-4 gasoline direct injection, DOHC, CVVT variable
Stock #: 358519C
VIN: 5XXGT4L30GG028991

Features

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

Reviews

Royal South Toyota Scion review

Best car purchase experience

After looking for good price on a hybrid Toyota Highlander and checking with every dealer within a 100 mile radius of Indianapolis, I finally found Royal South Toyota and a salesman named Connor Avera. Connor and Royal South were by far the most responsive. They provided me with the best price and the least amount of hassle and haggling. My only regret is that I did not call them sooner. While I had to drive 1 1/2 hours to Bloomington, they got me in and out in less than and hour because they had all of the paperwork and loan documents ready to go. A experience. I will be back for our next Toyota.

2016 Kia Optima LX review

Perfect balance of comfort, performance, handling and

Perfect balance of comfort, performance, handling and cargo. Best car I've ever owned. Looks great. I get positive compliments on it's looks all the time.

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 #: K28023A
VIN: 3KPA24AD5LE307084

Features

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

Reviews

Ray Skillman Southside Kia review

Great Sales Guy!!

Michael Alberty was a great car sales guy. Never felt pressure to buy or any signs that made us feel like we were wasting his time. He talked to us as people and took the time to get to know us other than just his next customer! Highly recommend him for you next car purchase!!

2020 Kia Rio S 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: 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 #: CC1109
VIN: 3KPF24AD4PE597121

Features

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

Reviews

Ray Skillman Southside Kia review

Excellent customer service

West ,Mike and Ben they are the best.. the customer service they showed was above and beyond and they all make you fill at home. I recommend going to them to get a vehicle .

2023 Kia Forte LXS review

Bought the vehicle new in October of 2023.

Bought the vehicle new in October of 2023. Now it’s March of 2025. Have yet to have an issue🤞though have heard of common problems many have had. I’ve put roughly 20 k miles on the car in a year and a half (mostly interstate driving). Technology package is lovely and the vehicle has an overall stylish feel. It’s important to keep in mind, though, that you’re buying a 20k dollar vehicle from 2023. It’s plastics galore in there, so, though stylish, the material quality isn’t the best. If you’re someone who takes care of your things, you shouldn’t have an issue! Use the maintenance schedule found in the Owner’s manual and this vehicle should get you where you’re going for a reasonable amount of years. That being said, if you’re trying to decide between and LX[S] and GT (not including GT-Line), choose the GT. Though you’re paying a little extra, you get a standard transmission with real gears (the car has more power than you’d think too) rather than the CVT found in the LX[S] (and GT-line). CVT tech has greatly improved within recent years, but they’re still known to be problematic at times. All in all, this generation of Kia seems to be more reliable than most previous gens. Definitely a real deal competitor with the carolla/civic and worth the consideration!

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.4L I4 16V GDI DOHC
Stock #: K25665A
VIN: KNDPM3AC6M7906390

Features

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

Reviews

Ray Skillman Southside Kia review

Ray peters takes care of me all the time and the service

Ray peters takes care of me all the time and the service department. He’s great.

2021 Kia Sportage LX review

Great car

Great car for the money, great service from Kia of Attleboro Roy Silveira was great to work with. Car runs great heated seats a bonus has good pick up for a 4 cylinder

Vehicle information

Ext. color: Shadow Black
Int. color: Gray 2-Tone
Drivetrain: Front-wheel Drive
MPG: 26-31
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.6L I4 16V GDI DOHC
Stock #: CC1080
VIN: KNDJN2A26K7909548

Features

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

Reviews

Ray Skillman Southside Kia review

Service Department is great.

Service Department is great. Seles Department is not the best. Had experience with an other Kia dealership and it was terrible.

2019 Kia Soul Base review

I purchased my 2019 Kia Soul with 52,000 miles on it in

I purchased my 2019 Kia Soul with 52,000 miles on it in April last year. I now have 62,000 on it now. It looks good and drives great. No problems so far. Nice car.

Vehicle information

Ext. color: Titanium Silver
Int. color: Satin Black
Drivetrain: All-wheel Drive
MPG: 17-23
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 3.3L V6 24V GDI DOHC
Stock #: CC1077A
VIN: 5XYPGDA52GG177911

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Third Row Seating

Reviews

Ray Skillman Southside Kia review

Best service department I have ever had business with.

Best service department I have ever had business with. I will defiantly buy my next vehicle from them because the service received and the quality of the vehicle. Delt with a Kia dealership on the north side of Indianapolis and it was the worst I have ever experienced of any vehicle I have owned.

2016 Kia Sorento LX review

I can’t say enough good things about this car!

I can’t say enough good things about this car!I bought it in 2020 with 45k miles and it was used for two and a half years to get me to school in another town 45-70 miles away, and it kept me safe and performed as good as I could ever ask for. The safety features are the cherry on top and saved me multiple times when merging into other lanes. It has all the bells and whistles- under glow lights, led lights in the front row, Bluetooth connection, and so much more. The car is spacious and has allowed me to drive with multiple people In the car comfortably. The back trunk contains so much space even with the third row seats up. The only issue I have ever had with this vehicle is around 100k miles, the gear shift locked. However, this never affected me and this is something that never needs to be fixed if it doesn’t drive you crazy, and the solution of depressing the gear lock to unlock it while you drive is a simple fix. Overall, this car has been very reliable even at over 110k miles and gives a luxury feel in an affordable vehicle. My favorite car. STOP THE KIA SLANDER!!

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 #: K28046A
VIN: 3KPF24AD2PE579278

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

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: Gravity Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-37
Fuel type: Gasoline
Transmission: 6-Speed Manual
Engine: 2.0L I4 16V MPFI DOHC
Stock #: K25806AR
VIN: 3KPF24AD6LE208019

Features

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

Reviews

2020 Kia Forte FE review

I’ve had my Kia now for 3yrs and only had little major

I’ve had my Kia now for 3yrs and only had little major thing go wrong which the dealership handled the issue as a decent time I guess. The first few months of having my Kia during the winter here the car would t push botton to start and boy was I pissed off. I kept having to jump start it then it dawned on me on me that they gave me a dead battery! Which was taking care of with warranty thank God! Other then that issue my model Kia forte got-line wasn’t equipped with a decent sound system I guess the package I thought it would’ve had But! Not! and to replace a aftermarket radio will cost a pretty penny to get done. My tires 17” OEM they feel on the wobbly side while driving 50-70mph on the Hyway! while hearing the sounds from outside in the inside of the car which sucks. But it’s power it gets up to speed especially in Sport Mode! The exterior looks good and interior is good also but I’m a pit in some work on it soon. I wish I would’ve known about the Kia Gt though (manual) speed before test driving my Kia gt line lol. My overall about this Kia it’s worth the price as well the experience to drive and to owne one!

Vehicle information

Ext. color: Inferno Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-35
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: CC1101
VIN: KNDJ23AU3N7184978

Features

Convenience: Keyless Entry
Entertainment: 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

2022 Kia Soul LX review

Great driver.

Great driver. Good gas mileage. Problem free. Second soul I have owned and just as good. My first was a 2013 and I had it for 6 years. I've had this one for over 3 years,

Vehicle information

Ext. color: Gravity Gray
Int. color: Black
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: CC225R
VIN: KNDJ23AU3M7738261

Features

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

Reviews

2021 Kia Soul S review

In 4 years only one problem, horn failed 3 times.

In 4 years only one problem, horn failed 3 times. Last time I had it mounted differently and never failed again. This was covered by warranty

Vehicle information

Ext. color: Snow White Pearl
Int. color: Stone Beige
Drivetrain: Front-wheel Drive
MPG: 21-28
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.4L I4 16V GDI DOHC
Stock #: K27932B
VIN: 5XYPG4A33HG337004

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels, Roof Rack
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

2017 Kia Sorento LX review

2017 KIA Sorento , I love my SUV!

2017 KIA Sorento , I love my SUV! I’ve had an issues at all until 2024. I had to have an oil pan leak. Also, Rear Bearing sensor. Other than that regular stuff such as tires windshield wiper, ect The vehicle was a year old and a one person owner when I purchased it

Vehicle information

Ext. color: Clear White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-30
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.6L I4 16V GDI DOHC
Stock #: P9946RR
VIN: KNDJN2A28G7315762

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control

Reviews

2016 Kia Soul Base review

Excellent Purchase as Far

I own a Kia Soul 2016 has currently 62,000 miles ,purchased it with 23,000 miles on it.So far its been a fantastic car. No maintenance issues. Keep up with all the recommended maintenance and I'm sure your have a long time vehicle.

Vehicle information

Ext. color: Aurora Black Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-41
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 2.0L I4 16V MPFI DOHC
Stock #: K27719B
VIN: 3KPF24AD0RE695338

Features

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

Reviews

2024 Kia Forte LX 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: Aurora Black
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.3L V6 24V GDI DOHC
Stock #: K27225B2
VIN: KNDMB5C18L6618374

Features

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

Reviews

2020 Kia Sedona LX review

Best mini van.

This is the 3rd time We've owned a Kia Sedona. I love that the back seats fold into the floor. It's so roomy. It's perfect for me hauling kids or a ton of comic books when I buy a collection. This one I bought only had 9k miles on it.

Vehicle information

Ext. color: Gravity Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.4L I4 16V GDI DOHC
Stock #: IHO2376P
VIN: 5XXGT4L34LG429759

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

Indy Honda review

Kevin McDaniel registered me quickly and efficiently even

Kevin McDaniel registered me quickly and efficiently even though I did not have an appointment. He was considerate re: my need for the work to be done as quickly as possible. The entire team were able to complete the work in about 1 1/2 hours, for which I was very grateful.

2020 Kia Optima LX review

Love this car!

Love this car! Have 45,000 miles on vehicle and have only done brakes and tires… Super happy with the way it looks and responds. Most reliable car I have owned. Would happily go to another Kia after this one!

Vehicle information

Ext. color: Passion Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 19-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.3L V6 24V GDI DOHC
Stock #: SZ4192B
VIN: 5XYPH4A5XLG676155

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Third Row Seating

Reviews

Indy Auto Man review

I got my second car here, and I love it.

I got my second car here, and I love it. Several years ago I bought my first Corolla at this place. Last week I exchanged it with a bigger one, dark blue BMW5. My buying experience went on smoothly and easily. Addison helped me from the moment I called the dealer center to find the right car till I draw out in the one I found optimal in price, look, and just like new condition. Thanks to the trade-in, it was quite affordable. And the paperwork was done by the dealership. Overall, it was really helpful.

2020 Kia Sorento EX review

I am constantly suprised by this vehicle.

Professional Driver says ---amazing engine performance in the SX. V-6 able to tow 5000 lbs. Eight extra gears on the handle shifter. Super bonus for driving the mountains and beach. Fun, fast and responsive handling. Roomy enough to haul furniture and heavy items. Comfortable for everyone on long haul family trips. Dealer maintenance cost is the lowest that I have ever had on any vehicle. Not a jaw dropping looking SUV but the interior ammenties will make you forget about that.

Vehicle information

Ext. color: Remington Red Metallic
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.4L I4 16V GDI DOHC
Stock #: PW25279Q
VIN: 5XXGM4A70DG206591

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control

Reviews

2013 Kia Optima LX review

I’ve purchased new my 2013 Kia Optima back in May 2013.

I’ve purchased new my 2013 Kia Optima back in May 2013. It’s been a fantastic car. I haven’t driven it a great deal & have just 20,463 miles on it as of July 2025. It’s stylish & very comfortable. I still enjoy having & driving it.

*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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