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Used Nissan Versa for sale near Tolleson, AZ

Filters 4 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
52 matches 30 miles from 85353
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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: White
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 26638337
VIN: 3N1CN8FVXLL813128

Features

Convenience: Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning

Reviews

CarMax Phoenix-West Valley review

I enjoyed my first visit to the 99th avenue Carmax

I had a wonderful all-around experience at the 99th avenue Carmax in Tolleson. The staff were very cheerful, respectful, and professional, especially my salesperson, Gabby. I found the best car for me. This Carmax is very organised and stress-free. I would highly recommend anyone shopping for a vehicle to visit Carmax. Sincerely, Leo Hintz

2020 Nissan Versa SR review

i do not whom is the last headline.

it is a good car for begin, is confortable, has the need. It is cheaper, the gas has long time. It is a beautiful car.

Vehicle information

Ext. color: Red Alert
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 28-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 437713
VIN: 3N1BC1CP9AL437713

Features

Convenience: Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Sands Chevrolet - Glendale review

Great and fast Great and fast Great and fast Great and

Great and fast Great and fast Great and fast Great and fast Great and fast Great and fast

2010 Nissan Versa 1.8 SL review

I purchased my 2010 versa sedan automatic used with

I purchased my 2010 versa sedan automatic used with 132,000 miles for $4,000 tax, title and tags. It now has 201,000 miles and going. Yes I have had strut, breaks and motor mount issues along the way totaling around $2,000 separately and some warning lights stay on at all times but this has been the most reliable car for the least money I have ever spent. Gas mileage around 25 mpg enough comfort for an easy 250 mile trip the cruise control no longer works nor the horn but everything else still in working order. Some clear coat issues on the paint but maybe not for showing it’s definitely for going most importantly no transmission issues which have been reported less invasive in this model year.

Vehicle information

Ext. color: Gray
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 28-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L L4 DOHC 16V
Stock #: 952027
VIN: 3N1BC1CP1BL396253

Features

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

Reviews

New Deal Pre-Owned Auto review

Mario and candy help as with getting a car and an

Mario and candy help as with getting a car and an answering all of are question and we ask.

2011 Nissan Versa 1.8 SL review

My wife has the 2011 Versa S hatchback.

My wife has the 2011 Versa S hatchback. She had had it since 2012, it is now 2024 and she has 135,000 miles on it. It has been very solid overall with basically the regular type maintenance things: brakes, oil changes, tires. It does however go through mufflers every 3 years about. And they did one engine mount that was worn out. She does have the check engine light on currently but its probably due for spark plugs. Now the engine is a bit slower to respond to hills or when trying to pass thanbit was 12 years ago, but overall it still has enough zip. Being the S it has The auto door locks on the key fob and there is auto windows inside. Fold down the rear seats and it easliy can hold whatever we pick up from the hardware store. It has a smooth ride and most of the bumps in the road are absorbed by the suspension. Some of the paint has been peeling around the trunk and the passenger sun visor broke off, but these are minor trivialities. I have confidence she can get to 150,000 miles and at least another 3 years our of it.

Vehicle information

Ext. color: Super Black
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: CA68581
VIN: 3N1CN8EV5PL837795

Features

Convenience: Keyless Entry, Keyless 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

Reviews

Bill Luke Chrysler Jeep Dodge RAM review

These guys did a great job!

These guys did a great job! My boy Alec with the car delivery made sure I had everything I needed before I took off in my new vehicle!

Vehicle information

Ext. color: Brilliant Silver
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 31-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 433444-106
VIN: 3N1CN7AP7JK433444

Features

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

Reviews

Goldies Motors review

Overall positive experience.

Overall positive experience. I found the truck online, and when I got to the dealership the pictures were accurate of condition. Worked with John, let me drive the car wherever I wanted (other dealers only had predetermined routes and they sat in the back). Had 1 concern about the truck, which John handled before I came back the next day to bring my trade in. Buying process was straight forward, and no hard-ball tactics.

2018 Nissan Versa 1.6 SV review

Good economy car

The car has pluses and a few minuses. First the good things. It is by far one of the smoothest vehicles I've ever driven, especially highway driving. You barely feel the road. Breaking is quick and responsive which adds to the smooth driving experience. The car is agile and has a impressive turning radius. Engine performance is adequate but acceleration is a bit weak especially taking it from 0 to 60. so you will not be passing every car on the road with this. Also the car sways a bit in high winds so it feels like you have to fine tune the steering at highway speeds to stay in lane. Exterior stying of car is also a bit unorthodox with it's small 15 inch wheels and oversized headlights. Interior is very comfortable for most people seats are comfortable with good back support. The rear seating is large for a subcompact with excellent legroom . The dash is not terribly impressive though cheap plastic is used and the glove compartment is too small . Also audio system is subpar and basic. What I love about the car is the price, the gas mileage and the comfort and reliability. If your looking for fancy or fast look elsewhere.

Vehicle information

Ext. color: Aspen White Tricoat
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: AH859476
VIN: 3N1CN8EV4NL859476

Features

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

Reviews

Auto House review

Ryan Hughes did a great job of helping us trade it our

Ryan Hughes did a great job of helping us trade it our vehicle on a pre-owned Toyota. The process was super simple and easy. He took great care of us and we could tell that he cared about our best interests.

2022 Nissan Versa 1.6 SV review

Great little car!

Great little car! Manual transmission Nissan Versa S is a lot of fun to drive and the price is right. Impressed with the quality and fit and finish for a lower end vehicle — nice job Nissan!

Vehicle information

Ext. color: Super Black
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 31-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 884126-68
VIN: 3N1CN7AP9JL884126

Features

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

Reviews

Goldies Motors review

I've purchased 3 Cars and 2 SUV's from Goldies over the

I've purchased 3 Cars and 2 SUV's from Goldies over the past 8 years. I've always had a great experience, and they've always done what they said they'd do.

2018 Nissan Versa 1.6 SV review

Most reliable car I owned

the car met all my needs and more. I'm very happy with it. I'm am super blessed that I finally found a dealership I can trust

Vehicle information

Ext. color: Aspen White Tricoat
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: AH856378
VIN: 3N1CN8EV0NL856378

Features

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

Reviews

Auto House review

Bought my 23 Ram from Auto House.

Bought my 23 Ram from Auto House. Great experience. Simple, Easy Process. Go visit Auto House!

2022 Nissan Versa 1.6 SV review

2022 Sentra

love the gas mileage on the vehicle and the comfort that the vehicle provides. I love the quietness that the vehicle has when driving on the highway. overall a great vehicle.

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 31-39
Fuel type: Gasoline
Transmission: CVT
Engine: 4 Cylinder
Stock #: SM042317A
VIN: 3N1CN7AP1KL821961

Features

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

Reviews

Lunde's Peoria Volkswagen review

Customer, Vickie Jones

Lunde 's Peoria Volkswagen has a great service department. My service advisor was Tyler R. He answered all my questions about my service. He got me in same day appointment and very knowledgeable. The service manager Dusty J there make sure the customer are satisfied with the service being provided. He goes above and beyond for the customer. He provides excellent customer service. Thank You

2019 Nissan Versa 1.6 S+ review

Hosick motors Vandalia IL

I purchased used 2019 Nissan Versa from Hosick motors in Vandalia IL. Customer service was great no complaints they treat you like family. I've only had the vehicle a day, no complaints so far. If you are looking for fast acceleration this vehicle is a four cylinder and drives accordingly.

Vehicle information

Ext. color: Gun Metallic
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: P16173
VIN: 3N1CN8EV9ML917869

Features

Convenience: Keyless Entry, Keyless 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

Reviews

Peoria Nissan review

Great people and Great deals.

Great people and Great deals. #1 Nissan dealer in Arizona. I will send all my friends and family to Peoria Nissan.

2021 Nissan Versa 1.6 SV review

Working with Beatriz

Working with Beatriz was the best experience that i had i a long time. Honest, friendly and professional. I will recommend this dealer 110% satisfied.

Vehicle information

Ext. color: Electric Blue Metallic
Int. color: Sport
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: PL853015
VIN: 3N1CN8FV2PL853015

Features

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

Midway Nissan review

The BEST dealership out there!

The BEST dealership out there! Kind! Professional! Not the typical pushy salesmen/sales managers. Have bought 2 vehicles from Midway. Highly recommend! They will get you in and out- happy and fair price/trades! You won’t be disappointed

Vehicle information

Ext. color: Super Black Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: K1625A
VIN: 3N1BC13E38L455374

Features

Entertainment: CD Player

Reviews

Bell Road Mitsubishi review

Owner

The customer service is good in the snack area they need to pay attention

2008 Nissan Versa S review

Most reliable car we have ever own.

Good condition, car runs, use for to and from work everyday, will needs minor maintenance/repair. Great for starter car or spare. Title in hand. Mileage 190390. Serious inquiries only. Read Less

Vehicle information

Ext. color: Super Black Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: MP8717A
VIN: 3N1BC13E69L354590

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera
Seating: Memory Seat

Reviews

Carizona review

Great experience!

Great experience! Christian, our sales contact and a great guy, had the car we were interested in all ready to be seen and test driven when we arrived. Loved the car. My daughter, who the car was for, liked another car a little better and the financing options here didn't work out for her since it was her first car loan. She was able to get better financing at another dealer. That's the only reason for the 4 stars vs. 5.

2009 Nissan Versa 1.8 S review

I really like it, its perfect for our daughter

It's a nice car, considering the deal we got on it!!! It runs really good and hopefully, our daughter will be able to drive it back and forth to ATL

Vehicle information

Ext. color: Super Black Metallic
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: CVT
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: MP9054
VIN: 3N1CN8EV8ML831033

Features

Convenience: Keyless Entry, Keyless Start, Navigation System
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: Memory Seat

Reviews

Carizona review

Will was amazing, we needed a car fast and he made more

Will was amazing, we needed a car fast and he made more then sure we got what we wanted and more. He went above and beyond to answer any questions we had as well as handling any request that came. You want to deal with someone who won't b.s you help you get a great car ask for WILL! So excited to have my beautiful car! Also Cory from Finance was so kind and explained everything so shout out to him as well! Such a great time here!

2021 Nissan Versa 1.6 SV review

'21 versa

After purchasing a '21 versa, I found it got great gas mileage, around 38 city and 42 highway. The only thing I don't like is the back window. Very hard to clean (inside), no wiper, so when it rains you can't see through it

Vehicle information

Ext. color: Brilliant Silver Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.6L I4 16V MPFI DOHC
Stock #: MNIS190031
VIN: 3N1CN7AP3KL872040

Features

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

Reviews

Larry H. Miller Nissan Mesa review

service

Service was fast and easy and the waiting area was clean and covid safe. Thank you for all if the professional services we received while we were getting our vehicle serviced

2019 Nissan Versa 1.6 SV review

Newest car I have ever owned

I love this car so far. It has lots of room and a back up camera. Love the style and the way it's drives. No complaint s so far.

Vehicle information

Ext. color: DARK BLUE
Int. color: Graphite
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: C44138
VIN: 3N1CN8EVXML844138

Features

Convenience: Keyless Entry, Keyless 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

Reviews

Ideal Cars review

You're dealership seems to be a cut above the rest.

You're dealership seems to be a cut above the rest. Sales reps very accommodating. Good selection of nice cars with competitive prices. Thanks you r ideal.

2021 Nissan Versa 1.6 SV review

Very nice car..I would recommend to everyone. Than

Just bought a 2021 Versa SR.. handling is subperb, interior is perfect... Everything about the car is great. Maybe they could of priced it a little better but all in a great car.

Vehicle information

Ext. color: Super Black
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: PR18106
VIN: 3N1CN8EV5RL903099

Features

Convenience: Keyless Entry, Keyless 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

Reviews

Pinnacle Nissan review

Kelly Mac sold us a great car!

Kelly Mac sold us a great car! She was knowledgeable about the car and gave us options. She wasn’s pushy but kind, she was patient enough to allow us to make our own decision. A great asset to the Nissan Company. Loved her funny personality and interest in us. Thank you Kelly. We will refer other customers to see her at Nissan.

2024 Nissan Versa 1.6 SV review

Good safety features.

Good safety features. Reasonable price. Gives what need from a car. Like the way it looks. The thing it lacks is sunroof. That's all. Bye.

Vehicle information

Ext. color: Gun Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: CVT
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 10212
VIN: 3N1CN8DV0ML899733

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Rollit Motors review

Shop smarter Not Harder

To me these reviews all sound like everyone wants what they want this is a business that’s selling used cars a tip to help new buyers. You are given a 500 mile or 15 day warranty take the car you buy down to the original dealership or any mechanic have them do a over all inspection if anything is wrong with the car that the warranty covers take it back to the place you bought it from and they are legally obligated to fix it at their expense not yours because it falls under the warranty also make sure you buy GAP INSURANCE AND ANY OTHER EXTENDED WARRANTIES REMEMBER THIS IS YOUR MONEY AND INVESTMENT!!!!! Hope that helps anyone out on here or anyone looking for a car. I AM NOT A LAWYER & THIS INFORMATION IS BASED ON A PERSONAL EXPERIENCE…..

2021 Nissan Versa 1.6 S review

Haters are going to hate

I've had this Nissan car for 14 months. I really like the transmission, I don't have any complaints about this car whatsoever it gets me where I want to go in a little bit of style. I would buy it again

Vehicle information

Ext. color: Brilliant Silver Metallic
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 25005
VIN: 3N1CN8EV5ML916962

Features

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

Reviews

Arizona Car Sales review

I like to buy vehicles every few years.

I like to buy vehicles every few years. So I've been to many dealers. One of the things I loved about this place was that it was a nice relaxed atmosphere. They didn't push you or hurry you. Steve was my salesman he was very helpful angenuinely nice. The Chevy Malibu I bought was sweet. I will definitely recommend this place to everyone. Thank you guys.

2021 Nissan Versa 1.6 SV review

Great gas mileage!

Bought this when I needed better fuel efficiency than I was getting in my previous vehicle. I currently have just over 12,000 miles on it, and my gas mileage is at 42.8 mpg total. That is getting close to the hybrid range. Very pleased. It still has plenty of power to get up to highway speed as well. Cruises very well at 70-75 mph.

Vehicle information

Ext. color: Brilliant Silver Metallic
Int. color: Graphite
Drivetrain: Front-wheel Drive
MPG: 32-40
Fuel type: Gasoline
Transmission: Variable
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: ML895983
VIN: 3N1CN8EV5ML895983

Features

Convenience: Keyless Entry, Keyless 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, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

AutoNation Nissan Chandler review

Mike and Jake were great.

Mike and Jake were great. Easy to work with and made the deal go smooth.

About the Nissan Versa

FAQs

How much does the Nissan Versa cost?

The Nissan Versa price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Versa is $12,722, with pricing starting at $1,500.

What is the MPG of the Nissan Versa?

The Nissan Versa with traditional internal combustion engine offers up to 27 MPG city and 35 MPG highway for a combined rating of 30 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 model years are available for the Nissan Versa?

Available model years for Nissan Versa inventory range from 2008 to 2025.

*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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