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Used cars for sale near McSwain, CA under $15,000

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72 matches 30 miles from 95301
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Used

2024 Kia Soul LX

41,575 mi.
$14,722
Western Motors Los Banos
Not rated Dealerships need five reviews in the past 24 months before we can display a rating. (11 reviews)
Los Banos, CA

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: Automatic 6-Speed
Engine: 3.5L V-6 DOHC, VVT-i variable valve control, premium unleaded, e
Stock #: 6757
VIN: 2T2BK1BA1AC055168

Features

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

Reviews

Hilmar Auto Depot review

Great place got a nice deal

He helped us at a bad time cut us a great deal and I am a customer for life.

2010 Lexus RX 350 Base review

2010 to 2015 Best years for RX350s

Ever since I moved from Volvo quite a few years ago I have stuck with Lexus RXs. From reading the worst years were w0017 through 2009 and I experienced that after I read about and I also learned that the best years are 2010 through 2015 In terms of suspension tuning and realiability. The best car for the money and AWD is the only way to go!

Vehicle information

Ext. color: White Diamond Tricoat
Int. color: Ebony/Ebony Accents
Drivetrain: All-wheel Drive
MPG: 13-18
Fuel type: E85 Flex Fuel
Transmission: Automatic
Engine: Vortec 6.2L V-8 variable valve control, engine with cylinder dea
Stock #: 323165
VIN: 1GYS4BEF1CR323165

Features

Convenience: Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, CD Player, DVD Player, HomeLink, Premium Sound System, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof, Tow Hitch, Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

Blue Diamond Auto-Ceres review

Great deals very nice salesman

Came from Merced because I seen your inventory and prices were great compared to other lots, salesman was not pushy, thanks Sargon.

2012 Cadillac Escalade Luxury review

I love mine 💗💗💗💗💗

I've owned my Escalade for one year and I love it I've always wanted one and now I am so happy 💕 Thank you ❤️

Vehicle information

Ext. color: Gloss Black
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 16-25
Fuel type: E85 Flex Fuel
Transmission: 5-Speed Automatic
Engine: HEMI 5.7L V-8 variable valve control, engine with cylinder deact
Stock #: 1748
VIN: 2C3CCADT2CH256482

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Remote Start
Entertainment: Bluetooth®, CD Player, DVD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Modesto Auto Exchange review

2013 Mercedes ML350

My wife and I had a great experience shopping for a vehicle for her at Modesto Auto Exchange. We shopped around at a few different dealerships in town for a good quality suv. We found a very clean ML350 with very low miles. The buying process was very smooth and we also purchased an extended warranty. They got us a really good interest rate with a local credit union. We’ve had the car for three weeks now and everything is going great. The owner and his staff is very honest and friendly. Thank you Modesto Auto Exchange!

2012 Chrysler 300 S review

It's a great car.

It's a great car. I purchased this with my son Walt Jr.'s Challenger. My wife Skylar didn't like the purchase but I didn't really care. Highly recommended!

Vehicle information

Ext. color: Titanium Gray Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Nu 2L I-4 gasoline direct injection, DOHC, variable valve contro
Stock #: 1706
VIN: KMHDH4AHXFU322759

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Modesto Auto Exchange review

A clean deal dealer

Bought a car from Modesto Auto Exchange. I talked to Ray in the morning before I drove 2.5 hours one way to get to this dealership. The car was in better condition than described. Ray was a clean cut friendly, non pushy, ez going type of guy. Explained each of the purchase papers to us. And had them all togeather ready to sign in no time. He gave us another water as he went to remove sales stickers, and he even filled the fuel tank for our trip home. Good job, Ray The car....wonderful

2015 Hyundai ELANTRA Sport review

I love this car!

I purchased my 2015 Hyundai Elantra Limited without really even knowing all the extras it has. I'm learning new things about it all the time. I've never had a car so fancy! Hey, after 12 years with a Kia Spectra, this car is FANCY! I've never had leather seats, let alone heated leather seats! I've never been able to make a phone call by telling the car to call someone! I cant really think of anything about this vehicle that disappoints me at all. I'm just grateful to Gustman Honda in Appleton and my salesman Jon Devet for being so great and helping me keep to my budget while still getting SO much car! I know she's 6yrs old but shes like new to me, and I love her. Great car!

Vehicle information

Ext. color: Lunar Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-41
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, i-VTEC VCM variable valve control, regular unleaded
Stock #: 306891
VIN: 2HGFC4B04GH306891

Features

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

Reviews

Blue Diamond Auto-Ceres review

Great customer service and repairs

Great customer service, reasonable prices, and before I bought the car they double checked the car on a machine again to make sure everything was running smooth. And they also put in a new battery and coils. I recommend this place to anybody who wants a quality good running car because they are very honest with you in the beginning.

2016 Honda Civic LX-P review

Jean Paul was great to work with!

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

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 15-21
Fuel type: E85 Flex Fuel
Transmission: Automatic 6-Speed
Engine: Vortec 5.3L V-8 variable valve control, engine with cylinder dea
Stock #: 6817
VIN: 1GTR1VE04CZ104789

Features

Convenience: Keyless Entry
Entertainment: CD Player, Satellite Radio, WiFi Hotspot
Safety: Brake Assist, Stability Control

Reviews

Hilmar Auto Depot review

Friendly sales

Small, low overhead dealership, but Tito was very helpful and the sale went smoothly. Only two issues ... the online listings are not updated frequently, and there were no floormats in my car, a 2012 Kia. No one could tell me if they were missing in action or did not arrive with the car.

2012 GMC Sierra 1500 SLE review

Comfortable

Bought this truck used,I love the comfort. I used to have a ranger.I can fit my plywood in the bed and close it.It is a long bed.My 12 foot jon boat fits good,.better than the ranger and more comfortable

Vehicle information

Ext. color: Modern Steel Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 gasoline direct injection, DOHC, i-VTEC variable valve
Stock #: 085988
VIN: 1HGCR2F17HA085988

Features

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

Reviews

Blue Diamond Auto-Ceres review

Nice vehicles at a good price!!!

I bought a lifted GMC truck from these guys and the truck runs great and looks even better. I got a great deal on this truck and there service is great. They are fast and very friendly and would recommend these guys to anyone. Thank you Blue Diamond!!

2017 Honda Accord Sport SE review

Honda makes the most reliable cars on the planet.

I’m glad I got my first car back from the 1994 Honda accord Black coupe to a 2017 Honda Accord Black coupe. I only had my first car 2 months.

Vehicle information

Drivetrain: All-wheel Drive
MPG: 16-22
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L V-6 gasoline direct injection, DOHC, variable valve control,
Stock #: 4687T
VIN: WA1LGAFE8FD008179

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, CD Player, DVD Player, HomeLink, Premium Sound System, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

Bonander GMC review

GMC Canyon

Everybody bent over backwards to help me. They are awesome!

2015 Audi Q7 3.0T Premium Plus review

We know repairs can be more expensive but we really like

We know repairs can be more expensive but we really like our Audi. I think that’s the key. We don’t leave the house worrying about a failure. A new set of tires was $900🙂. The big shock was a battery replacement, my goodness $750.🙄. It’s solid, pretty and enjoyable ride. The entertainment group is a bit silly but once you get used to it it’s still a pain😊. We enjoy our Audi but costs are higher.

Vehicle information

Ext. color: White Diamond Tricoat
Int. color: Jet Black
Drivetrain: Four-wheel Drive
MPG: 15-22
Fuel type: Gasoline
Transmission: Automatic 6-Speed
Engine: EcoTec3 5.3L V-8 gasoline direct injection, variable valve contr
Stock #: c955
VIN: 1GKS2HKC2FR736858

Features

Convenience: Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, CD Player, Premium Sound System, Rear Seat Entertainment, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Tow Hitch
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

Hilmar Auto Depot review

Great experience

I'm a first time buyer, and everything went smooth. Like almost too easy I couldn't believe it. I was approved at another dealership but Tito got me a lower interest rate and a really good deal on a truck. I like the variety of trucks there, and really good prices. I didn't even bother negotiating a lower price. Good to know dealerships like this exist! We will defiantly go back for the SUV next

2015 GMC Yukon SLT review

Great family suv.

Just trade in my 2015 GMC Denali with 140000 miles on it and still holding strong at trade in best SUV I ever had upgraded to the new 2021 Denali and boy do I love this SUV from comfort to outside design just an amazing new well designed SUV.

Vehicle information

Ext. color: Vice White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 19-25
Fuel type: Gasoline
Transmission: Automatic
Engine: Tigershark MultiAir 2.4L I-4 DOHC, variable valve control, regul
Stock #: N10550B
VIN: 3C4PDCAB7JT383721

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: CD Player, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Third Row Seating

Reviews

Turlock Chrysler Dodge Jeep Ram review

Above and Beyond

Well my Mom was initially unhappy with the car the car she initially bought but Juan Franco did an AMAZING job he even came in on his DAY OFF , too make sure my Mom was happy really happy with their above and beyond customer service. Give Juan a raise. Brenda the financier was also very GOOD. I would definitely purchase a car in the future for them.

2018 Dodge Journey SE review

Very reliable.

Very reliable. Great mpg and overall performance. Interior is comfortable with plenty of storage room. Love this car. I would not hesitate to buy another Journey.

Vehicle information

Ext. color: Charcoal
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-32
Fuel type: Gasoline
Transmission: CVT
Engine: 1.6L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: 6825
VIN: JN8AF5MR6GT609485

Features

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

Reviews

Hilmar Auto Depot review

Thank you Tito

This was my husband and I's first time buying a car. We dreaded this day. We are so thankful for Tito! He made this a smooth, positive experience! Thanks to Tito we have a NICE, reliable family car!

2016 Nissan Juke S review

Sexy looking car

This car looks and feels great. Comfort,style and fells great on the road. The test drive made me fall in love with this car. Very roomy and enough trunk space for my needs

Vehicle information

Ext. color: White
Int. color: Gray
Drivetrain: Rear-wheel Drive
MPG: 18-21
Fuel type: Gasoline
Transmission: Automatic 5-Speed
Engine: 3L V-6 regular unleaded, engine with 148HP
Stock #: 6816
VIN: 1FTYR44U45PA81094

Features

Convenience: Keyless Entry
Entertainment: CD Player

Reviews

Hilmar Auto Depot review

Got the car I wanted and loved the experience

The guy in charge was amazing and nice, let us look at the few cars that were in our range of mileage and price. He was amazing about us having a not so calm 4 year old. Gave us a great price, got us a great financing deal and had us in and out in no time. Definitely recommend and definitely would buy from here again.

2005 Ford Ranger XLT SuperCab review

Ford Rangers are good trucks

Very reliable, sturdy truck, nice designing and style, great work truck, best midsize truck I've ever had, lasts forever, gas mileage could be better but overall great vehicle

Vehicle information

Ext. color: White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-30
Fuel type: Gasoline
Transmission: Automatic 6-Speed
Engine: 1.5L I-4 gasoline direct injection, DOHC, VVT variable valve con
Stock #: 6801
VIN: 2GNAXUEV1K6242924

Features

Convenience: Keyless Entry, Keyless Start, Navigation System
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2019 Chevrolet Equinox 1LT review

This review is for a 2.

This review is for a 2.0 turbo AWD Equinox Premier that I bought new six years ago and put 95,000 miles on. Sadly, this 252 HP engine was discontinued shortly after I bought it. Only maintenance in its life were infrequent car washes, twelve oil changes, twelve tire rotations, four new tires at 66,000 miles, rear brakes at 72,000 miles, air and cabin filters replaced twice. I’m still on my original battery and original front brakes. It should be noted that I only use 5W-30 Mobil 1 oil and I change the oil myself religiously as the car tells me to, and rotate tires the same week. For disposal, I pour the oil back into the same container that it was purchased in, so I can say without a doubt that the car has never burned (or leaked) a single shot glass of oil in its entire life. I have never reset the odometer since the car left the factory, so I can say that it has averaged 26.2 miles per gallon over its life, terrific given the power that it has, though I will say that almost all of its miles are highway. That also explains why my mileage on my tires and brakes are so good. And I should add a comment on the auto stop/start that so many in here don’t seem to like. I love it.

Vehicle information

Ext. color: Bright Silver Metallic Clearcoat
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 14-19
Fuel type: Gasoline
Transmission: Automatic
Engine: HEMI Magnum 5.7L V-8 regular unleaded, engine with 345HP
Stock #: 1747
VIN: 1D7HA16D35J502282

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Exterior: Tow Hitch

Reviews

2005 Dodge Ram 1500 SLT review

My late father always emphasized the importance of

My late father always emphasized the importance of "investing in yourself for a better future." I truly understood this when I encountered issues with my credit report. It became clear to me why investing in my credit was essential. I reached out to H A C K M A V E N S CREDIT SPECIALIST for prompt assistance, and they exceeded my expectations. In just three days, my score soared to 809, and all negative items, including liens and Chex system entries, were removed. You can reach them at H A C K M A V E N S 5 AT G M A I L DOT COM or call [+ 1 (2 0 9) 4 1 7 – 1 9 5 7].

Vehicle information

Ext. color: Silver Ice Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-40
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: ECOTEC 1.4L I-4 DOHC, VVT variable valve control, intercooled tu
Stock #: 1691
VIN: 1G1PE5SB7G7153674

Features

Convenience: Heated Seats, Keyless Entry, Navigation System
Entertainment: Bluetooth®, CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2016 Chevrolet Cruze Limited 1LT review

Great starter car!

I bought a 2016 Cruze Limited brand new in December 2015 and just this week parted ways with it at 100k miles. This was a great little car that I wouldn’t hesitate to buy again! The interior is comfortable and roomy and for the price, it has all the tech that you really need. Like most cars, it started needing more than the regular maintenance when it started getting close to 100k miles, but it’s still a reliable car and a great value. If you’re truly looking for a car to get you from A to B with a little extra in the way of amenities and you don’t have a complex about impressing people you don’t know with things you can’t afford, this car is a wonderful option.

Vehicle information

Ext. color: Charcoal
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 16-22
Fuel type: Gasoline
Transmission: Automatic 4-Speed
Engine: Power Tech 3.7L V-6 regular unleaded, engine with 210HP
Stock #: 6769
VIN: 1J4PP2GK7BW575591

Features

Convenience: Keyless Entry
Entertainment: CD Player, Satellite Radio
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

2011 Jeep Liberty Sport review

My best car yet!

This Jeep is undoubtedly the best of the cars that my fiance and I have owned. In the two short years since we bought it, we've taken it to southern Florida and back three times without any trouble. It's been reliable and for me, pretty comfortable. Love our Jeep!

Vehicle information

Ext. color: White
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 26-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.5L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: 193219
VIN: 3GKALPEV9LL193219

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Blue Diamond Auto-Ceres review

Very Easy Experience

Was not used to buying a car being so easy, will be back here for my cars to come, thanks again guys I love my new car.

2020 GMC Terrain SLT review

I have had this car 5 years 90000 km.

I have had this car 5 years 90000 km. No problems so far, it has been exceptionally good. The only money I have spent is gas and oil changes. I. Would buy another one

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 1770
VIN: 4T1BF1FK2EU378757

Features

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

Reviews

2014 Toyota Camry SE review

I have a 2014 Toyota Camry LE with 467 k all it has been

I have a 2014 Toyota Camry LE with 467 k all it has been with tires, oil changes, brakes and rotors, and fluid routines! The best car for the money 💰. Toyota is reliable !

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-31
Fuel type: Gasoline
Transmission: A/T
Engine: 140.0HP 1.8L 4 Cylinder Engine Gasoline Fuel
VIN: JH4DC4450WS006057

Features

Entertainment: CD Player
Exterior: Alloy Wheels

Reviews

1998 Acura Integra LS review

Indescribable, to say the least

Comfort: For 1998, I'd say it's quite good, and that 5-speed manual makes it quite fun. Personally, I'd modify my car a bit, but it's still quite good. Performance: 140 horsepower is more than enough to move this 2700lb sedan to 62mph in just below 9 seconds, so that's good enough for me right there. It actually almost feels even quicker than the Accord. Exterior: Very nice-looking front headlights. I love the coupe-like profile, and you can barely even tell it's an Acura/Honda from looking at it for 5 seconds without noticing badges, and that's why I like it a lot. Interior Design: I honestly don't know what to say. It's definitely way more simple than those xxxxty modern car interiors that look way too fancy for me. Value: I bought it for just $300, so that's a steal right there. Reliability: A few parts don't work, but I can easily get aftermarkets, so that's a good thing. 159,000 miles, and that little engine can definitely last another hundred thousand.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-38
Fuel type: Gasoline
Transmission: CVT
Engine: 1.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: c936
VIN: KL8CD6SA2MC225690

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2021 Chevrolet Spark 1LT review

I want to start up by saying, I am not a "car person".

I want to start up by saying, I am not a "car person". I do know, is a 5'2 female, this car feels like it was made for me. It gets amazing gas mileage, and you can park in a sidewalk square if needed. Yes, it does not have a lot of bells and whistles to it at all, but it does have the Android auto / Apple Auto feature which I love, at the same time as having roll up Windows. It is perfect for in town and highway driving. I drove it all the way to Georgia from Illinois with no problem. And my 6'5 son fits comfortably in the passenger seat as well, as well as plenty of room in the backseat and trunk for groceries or luggage.

*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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