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Used Saab 9-3 for sale near Palm Springs, CA

Filters 4 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
72 matches All miles from 92234
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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: Black
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 19-26
Fuel type: Gasoline
Transmission: 5-Speed A/T
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 81128404
VIN: YS3FB49Y081128404

Features

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

Reviews

Bob Howard Toyota review

Preston was very helpful.

Preston was very helpful. When I pulled in a bit early for my appt I explained i was in a hurry because my husband and I were supposed to be meeting my father in laws primary care dr about getting him moved into a memory care facility. Preston was very concerned and said he woulddo his best. He had me out by just about 10:20am. I truly appreciated that, its been a horrible couple of weeks trying to put out dumpster fires, first one and then another. I thanked him very much. I made the appointment and hopefully we have some direction now. Thanks so much. Very nice service tech, Preston couldnt have done anything more I make day this morning. Please let Preston know he made a difference for me today for sure!

2008 Saab 9-3 2.0T review

Great car overall.

Great car overall. Drives very well and quite punchy and fun with a good turbo. Reliable, haven't had much issues so far. Value is great especially since they are loaded well and its less then 10k for a decent one. VERY VERY safe car, Saab's are extremely safe and this car gives you confidence that you are safe. I have a 2.0T which gets good mpg for its class, I once got around 40 mpg highway. The 2.0T is fun and punchy with impressive acceleration, most reliable too. If your willing to spend a little more and have significant funds for maintenance and repairs go for a 2.8T V6, which is fast. It handles well. Pros: 1. Well priced, good value 2. Stylish and unique design 3. Great cornering headlights xenon 4. Good engine, reliable if maintained, fast/quick 5. Very Safe, Swedish Metal 6. Jet fighter interior look Cons: 1. Rear seat legroom is a little disappointing but not a major issue for me, but if you have a large family i wouldn't recommend this car, go for a 9-5 instead. 2. Paint damages easily when older, these 9-3s can have paint peel issues in the long run if you live in hotter climates. 3. Some interior pieces aren't the best of quality for it's class. Door handles and small things, it can be creaky. Overall: Here and there it has minor disappointments but it definitely makes up for it very well. Great and fun car. I highly recommend this as a first car or commuter, maybe even for a small family.

Vehicle information

Ext. color: Steel Gray Metallic
Int. color: Black w/Red Inlay
Drivetrain: Front-wheel Drive
MPG: 21-32
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 003580
VIN: YS3DF78K937003580

Features

Convenience: Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Seating: Leather Seats, Memory Seat

Reviews

Green Light Auto Wholesale review

Great salesman was very polite and nice and knew his

Great salesman was very polite and nice and knew his thing. knew about his car and what he was selling and what he was doing very fast paperwork got us on his way

2003 Saab 9-3 SE review

Pleasantly Surprised

I recently purchased a 2004 Saab 9 3 Arc convertible. I knew very little about Saabs but they always intrigued me. I've only had it for a few days but I am very impressed with its overall quality, comfort and performance. Saab stopped making cars in 2012 because they could not compete with their Audi and Mercedes target market. Having owned both of those German brands, I think Saab approaches them in quality. Test drive one, I think you'll enjoy it.

Vehicle information

Ext. color: Ocean Blue Metallic
Int. color: GRAY
Drivetrain: Front-wheel Drive
MPG: 19-29
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 2717
VIN: YS3FB49Y981119877

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Panorama Motors review

Mike Is Great!

OMG the journey through the current used car climate has been horrendous. & I’ll be frank. Throughout the countless sleepless stressful hours of internet trolling Mike came up repeatedly & when I pounced on the just arrived beauty gracing my driveway I can’t tell you what a brilliant experience it was to work efficient coherent & honest with a real human. Mike is great & so are his cars. My life partner is a licensed foreign car mechanic & he gave him the thumbs up. I will send everyone I know to Mike. He is the real thing. Thank You Mike!!!

2008 Saab 9-3 2.0T review

Great sporty and reliable

Got the car back in 2010 with about 11k miles it's still running great with regular maintenance at ~284k miles now. Some minor issues along the way but still runs great.

Vehicle information

Ext. color: Black
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: Transmission w/Dual Shift Mode
Engine: 210.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3FH79Y546010913

Features

Convenience: Heated Seats, Power Folding Mirrors
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels
Safety: Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2004 Saab 9-3 Aero review

Fun car.

I love Saabs. Fun sporty cars with plenty of power and comfortable ride. They run forever. I like when other Saab owner want to know about the car. And when others want to know about Saabs.

Vehicle information

Ext. color: Carbon Gray Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 19-27
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: HRT000538
VIN: YS3FB79Y3A6000538

Features

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

Reviews

Richfield Bloomington Honda review

Jorge kept me informed as my car was getting its 12k

Jorge kept me informed as my car was getting its 12k maintenance as well as oil change and tire rotation. Very courteous staff at the Richfield Honda!

2010 Saab 9-3 Base review

I own a black 2010 station 903.

I own a black 2010 station 903. My second Saab. Still driving great. Maitanance haha, 150 € every year. Can tlill tow my heavy trailer 1,5 ton . Try that whith your E-car after 14 years , success

Vehicle information

Ext. color: Blue
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 20-30
Fuel type: Gasoline
Transmission: Transmission w/Dual Shift Mode
Engine: 210.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3FD79Y576109702

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, Premium Sound System
Exterior: Alloy Wheels
Seating: Leather Seats, Memory Seat

Reviews

2007 Saab 9-3 2.0T review

Awesome car

Everyone either hates or loves this car. I loved the car. It had speed and I really enjoyed the drive of the vehicle. Loved the leather and sunroof Plus the fact it had a turbo

Vehicle information

Ext. color: Black
Int. color: Tan
Drivetrain: Front-wheel Drive
MPG: 20-30
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 DOHC, intercooled turbo, regular unleaded, engine with 18
Stock #: 008653
VIN: YS3DD75H817008653

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels
Safety: Lane Departure Warning
Seating: Leather Seats

Reviews

Quality Auto Center of Lynnwood review

Diana, Shadi and Christian made the car buying process a

Diana, Shadi and Christian made the car buying process a breeze! I was able to buy, finance and drive away in a matter of a few days. The vehicle exceeded my online expectations! I was from out of state and they made it easy!

2001 Saab 9-3 Base review

Best car I've owned

Bought used with 30K miles in 2006. Now has 88K miles. Only problem so far is power antenna; we just leave it up. I do oil changes at 5K, replaced spark plugs at 50K, tires at 60K and replaced battery before winter of 2011 (preventive maintenance). All else is original. Fun to drive, quick, 28 mpg local and 32+ travelling. This 2001 4 door 5 speed manual turbo moon roof hatchback is wonderful car. Too bad they stopped making them.

Vehicle information

Ext. color: White
Int. color: Tan
Drivetrain: Front-wheel Drive
MPG: 21-29.0
Fuel type: Gasoline
Transmission: Auto
Engine: 2.0l I-4 MPI T/C I/C 2.0l
Stock #: 5906
VIN: YS3FD49Y761138581

Features

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

Reviews

Swerve Auto LLC review

Best decision

Searched high and low for a nice vehicle for months. I visited tens of car lots and God just did not see fit for me to purchase from them. Either they jacked the prices up tremendously from what the vehicle was actually worth or when you would start the car, it had several code lights on. I took my time and I found swerve auto. Listen, when I spoke with Zach over the telephone, he was very confident in his vehicles and stood behind them in a way that made me want to come and see for myself. When I arrived to his lot, not only did he have great cars, trucks and SUV’s, but the prices was reasonable asking price to pay cash for. Zach was so nice and professional! All of his vehicles were cleaned up immaculately, I was afraid that I was over budget for the suv that I really wanted. Listen, Zach made a way for me to take my dream car home and listen it’s mine!! He was so passionate about making sure that I was happy, It was unbelievable. My truck was so clean it looked as if no one even ever drove it. Miles were low and again, the price was fair. I will definitely carry swerve auto’s card and info in my glove box because if and when I ever need anything else, I wouldn’t feel comfortable going to anyone but him. Awesome!!

2006 Saab 9-3 2.0T review

Best car ever

This is the most reliable car I’ve ever owned. Drove her off the lot brand new and 16 years later and 150K miles, she’s still smooth as silk. Only repairs are a window and windshield wiper!! So sad they don’t make these cars anymore.

Vehicle information

Ext. color: Black
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 29-29
Fuel type: Gasoline
Transmission: Manual 5-Speed
Engine: 2.0L TC I4 double overhead cam (DOHC) 16V
Stock #: 2109
VIN: YS3FB45S051011421

Features

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

Reviews

The Auto Shop review

Best dealer in town

I have been a customer of The Auto Shop (TAS) since I moved to my current home, 1000 steps from TAS. I started as a new customer with their body work on my 1978 Ford Fiesta and for most other cars I've owned since. I became vehicle purchaser in 1997 when I bought a 1987 SAAB 9000 Turbo. Dan, the owner (RIP), told me I should buy it to add some "class" to my ride. I've owned nothing but SAABs bought from this dealership since. It was safe, fast, economical, and roomy, being the fastest "large" vehicle and offering the best mpg of that class as well. The 2.0 liter turbo was the reason. All Saabs after the mid-90s are turbos. The reason I stay with TAS is because Dan's son Tony still offers the best and most economical service in the area. At a time when all others are charging $80~$130/hour for service, TAS charges $68/hour b/c of low overhead. In addition, TAS are the Saab EXPERTS of the area and needn't spend time "figuring out" the problem b/c they have literally "seen it all" having worked on multiple copies of all SAABs available. I even buy tires from them despite having used (and still using for my wife's cars) The Tire Rack several times in the past. There is NO ROOM for underhanded dealing at TAS; such is simply not a part of their standard operating procedures. I have NEVER been as satisfied with a car repair shop as I have with TAS. I recommend them without reservation as a place to purchase a vehicle and as a repair facility. I've even had Rick, the body repair technician, customize parts of several 9000s and 9-5s. This dealership is the best in town. All they sell and work on mechanically are SAABs. I would buy Yugos from this group of technicians. If I moved away from Appleton, I would have to buy a different vehicle with doubtless less desirable service characteristics and policies. Their understanding of the vehicles they sell/service is so good, it would not matter what they sold. Their commitment to good service and fair prices place them FAR above the rest of the car retail industry. Period

2005 Saab 9-3 2.0T review

Anyone who complains about a Saab simply doesnt take care

Anyone who complains about a Saab simply doesnt take care of it. The Saab has been an absolute joy to have. The car is solid in everyway possible. Yes, the parts can be a bit expensive, but that is due to the company closing its doors in 2011. And the rarer your model and options the harder and more expensive it can be to get. However, as long as you take care of the car and upkeep the basic maintenance it runs perfect. There are plenty of videos to help you diagnosis issues if you have any. And you can always visit forums to ask for help. Yes GM had engineered some stuff in Saab. But the car is literally built to last, as long as you do the maintenance. If you get a lemon i feel bad for you. But other than that its a great car.

Vehicle information

Ext. color: Snow Silver Metallic
Int. color: Parchment
Drivetrain: Front-wheel Drive
MPG: 19-26
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 3292
VIN: YS3FB49Y181139427

Features

Convenience: Keyless Entry
Entertainment: CD Player, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Empire Auto Sales review

fun place family business looks like.

Had good experience there and would buy again because they give you a 3 month warranty on there cars.

2008 Saab 9-3 2.0T review

Sporty and fun to drive!

The thing I like most about this car is the way it drives! Quiet on the road, handles great and cruises effortlessly at freeway speeds, plus great fuel mileage!

Vehicle information

Ext. color: Beige
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: 5-Speed M/T
Engine: 205.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3DF75K837012338

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player
Seating: Leather Seats

Reviews

2003 Saab 9-3 SE review

Love this little jewel!

Recently purchased a rare find 2003 Saab Convertible 9-3, one owner with low 45,000 miles. Love the way it handles and quality styling. I sold my 2015 Acura, which I Loved, because of the technology package. Simply didn’t drive enough to keep the system charged and constantly worrying about cost if something goes wrong. This little Saab is so adorable and I’m no longer stressed by all the bells and whistles of my Acura!

Vehicle information

Ext. color: Titan Gray Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 19-26
Fuel type: Gasoline
Transmission: Automatic w/Sentronic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 0531
VIN: YS3FB49Y081120531

Features

Convenience: Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

2008 Saab 9-3 2.0T review

Very awesome running n looking car hands down !

Very smooth runnin car , looks awesome , pretty decent price also .. convertible top is in tip top condition , tires are brand new

Vehicle information

Ext. color: Snow Silver Metallic
Int. color: Parchment
Drivetrain: Front-wheel Drive
MPG: 18-27
Fuel type: Gasoline
Transmission: 5-Speed Automatic with Sentronic
Engine: 2.0L 4-Cylinder MPFI DOHC Turbocharged
Stock #: K4415A
VIN: YS3FB79Y686010118

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Lupient Kia Milwaukee review

This is the 2nd new Kia we’ve bought at Lupient.

This is the 2nd new Kia we’ve bought at Lupient. Marvin Cameron was great to work with - he’s very knowledgeable, patient and got us a great deal. Love the service at Lupient, too.

2008 Saab 9-3 2.0T review

Excellent car, fun to drive!

Affordable and reliable luxury car. Sleek design inside and out. Smooth ride with plenty of room for 4. This car is fun to drive and also offers a practical side for running to the grocery store or taking the family out to dinner! Love our Saab!!!

Vehicle information

Ext. color: Polar White
Int. color: Parchment
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: 5-Speed Automatic
Engine: 2.0L I4 16V MPFI DOHC Turbo
Stock #: 81102173
VIN: YS3FB46Y381102173

Features

Entertainment: CD Player, Satellite Radio
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control
Seating: Leather Seats

Reviews

West Houston Subaru review

Loved my new professional experience with Simon S.

Loved my new professional experience with Simon S. at West Houston Subaru. We were his 3rd sell that day and made him a Hero with sales. Honestly, he was our hero, as he took such fabulous care of us so close to closing time. Today, he scheduled me come in to explain all the features of the car with detailing and took time out of his sales day. He's the best! Sad that he is retiring soon, as we would love to continue to work for him for years to come.

Vehicle information

Ext. color: Black
Int. color: Silver
Drivetrain: Front-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: 0893saabconv3599s
VIN: YS3FB79Y686010586

Features

Convenience: Keyless Entry
Entertainment: CD Player, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats

Reviews

Z Imports review

I'm an out of state buyer who is willing to gamble.

I'm an out of state buyer who is willing to gamble. I was looking for the best specimen of a particular older car which I didn't need-but wanted. I went into this with the attitude I was willing to spend a couple of thousand extra to get eveything right. The car was a one owner 2009 Florida car with 74K miles. The body and paint was in incredible condition. I spent an additional $1500 for a new suspension and to replace degraded window rubber seals neither of which was absolutely necessary-but I like to have things right. The car now looks and runs like 2 year old car-people are shocked when I tell them it is 15 years old! This is the second -and probably last car I will purchase online. I got burned on a previous online purchase-but this was an impulse buy which I could afford to risk and only time will tell if I made out Ok. But for now, I'm pleased. All this being said, Emron was true to his word and even came through with the missing owners manual a couple of weeks later. As of now, I consider my experience was good one.

Vehicle information

Ext. color: Silver Metallic
Int. color: Charcoal Gray
Drivetrain: Front-wheel Drive
MPG: 20-30
Fuel type: Gasoline
Transmission: 5-Speed
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: S25994A
VIN: YS3FD49Y241016319

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Wallace Imports of Johnson City review

Glenn Landstrom Salesman at Wallace Subaru

In Dec. 2015 Glenn Landstrom helped me buy the best car I've ever had, a Subaru Crosstrek at Wallace Subaru, Johnson City, TN. I will never forget how excellent Glen's customer service skills were/are. I give him my highest rating.

2004 Saab 9-3 2.0T review

Much smoother ride than a car this size should hav

Very solid build. They don't make them anymore, and that is the buying public's loss. Actually supported by GM . Quiet when the top is up.

Vehicle information

Ext. color: Arctic White
Int. color: Tan
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: Manual
Engine: Ecopower 2L I-4 DOHC, intercooled turbo, regular unleaded, engin
Stock #: N616635
VIN: YS3FA4MY5A1616635

Features

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

Reviews

AZ Auto Gallery of Mesa review

Great experience!

Great experience! TC & Brianna are the best. No pressure. No sales, just serving you while you shop.

2010 Saab 9-3 2.0T review

Great car

First time driving a Saab, it has been great experience. I am looking for to buy another Saab as soon as I get the opportunity.

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: 5-Speed A/T
Engine: 210.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3FB79Y386000375

Features

Exterior: Alloy Wheels
Seating: Leather Seats

Vehicle information

Ext. color: Blue
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 18-24
Fuel type: Gasoline
Transmission: Transmission w/Dual Shift Mode
Engine: 210.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3FB79Y986008007

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player, Satellite Radio
Exterior: Alloy Wheels
Safety: Rain Sensing Wipers
Seating: Leather Seats

Vehicle information

Ext. color: Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: 5-Speed A/T
Engine: 210.0HP 2.0L 4 Cylinder Engine Gasoline Fuel
VIN: YS3FA4CY4A1618765

Features

Convenience: Keyless Entry
Entertainment: CD Player
Safety: Rain Sensing Wipers
Seating: Leather Seats

Reviews

2010 Saab 9-3 Base review

Best convertible we owned

RARE. Great time with this car , smooth feeling, best convertible on the market. Driving to Cape Cod, in the nice day is wonderful ! You cannot live without a convertible

About the Saab 9-3

FAQs

How much does the Saab 9-3 cost?

The Saab 9-3 price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the 9-3 is $6,793, with pricing starting at $950.

What is the MPG of the Saab 9-3?

The Saab 9-3 with traditional internal combustion engine offers up to 21 MPG city and 31 MPG highway for a combined rating of 24 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

What are some similar vehicles and competitors of the Saab 9-3?

The Saab 9-3 compares to and/or competes against the following vehicles:


What trim levels are available for the Saab 9-3?

The Saab 9-3 is available in the following trim levels:

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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