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Used sedans for sale near Cary, IL under $249,968

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5,074 matches 30 miles from 60013
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
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Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 19-25
Fuel type: Gasoline
Transmission: Manual, 5-Spd
Engine: 2.5L H-4 DOHC, variable valve control, intercooled turbo, premiu
Stock #: 11119
VIN: JF1GV7F62CG009353

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Lane Departure Warning, Stability Control

Reviews

AG Autohaus review

Super nice dealer, very helpful.

Super nice dealer, very helpful. The process was super simple, got me in the car I always dreamed about. Talked me through the whole process and got me financed with Westlake, thank you!

2012 Subaru Impreza WRX Premium review

Solid choice

Purchased this car used in 2023. Right from the start had issues with the A/C compressor. It went out and I had it replaced with a used one to save a bit and it immediately went out again after a week. Mistakenly, I had an another used compressor put in and it proceeded to essentially blow up and damage my battery and belts. I guess there is an issue with the part for this model year. Otherwise I have not had any crazy issues other than regular maintenance costs. I absolutely love this car for its storage ability. It's small enough to handle city driving and small parking spots, but large enough to fit everything you need to carry. I fit all of my furniture and belongings in this car when moving. As for comfort, the heated seats are a great feature, however, I do find the seats gets quite uncomfortable after driving for more than a few hours. I drive this car back and forth to work daily and have no problem with its performance. Gets pretty good gas mileage for mostly city trips (24mpg). You can feel each and every bump that this car goes over, but it's not anything unbearable.

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-40
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded, en
Stock #: 076177
VIN: 3KPF24AD0KE076177

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Fortune Motor Group review

Great experience at Fortune Motor Group.

Great experience at Fortune Motor Group. Great communication throughout the entire process. They gave me a great deal and I’m extremely happy. Thank you!

2019 Kia Forte LXS review

Longterm Kia 2019 XLS Awesome!👍

I am a long time owner of a Kia Forte 2019 bought it in 2018. I have almost had it for 5 years now. It has around 80,000 miles of trouble-free driving. I do the necessary maintenance that's it. The pros of this car it's easy on the eyes and easy to pay for. It didn't take me long to double my payments and pay this wonderful machine off. I also like the fact I don't have to go to the gas pumps much. I can go 435 miles on a simple tank of gas. I get about 43.5 miles a gallon highway and average around 34.5 City and mix driving. I love all of the safety features I have lane keep assist frontal crash anti-lock braking and traction control. I even have done some pretty good snow driving with all season radials Continental. It also has a neat feature where it will drive by itself for about a minute. I have the XLS model. So yes I have the Ivt transmission it has worked very well. I don't understand why everybody was so insecure about this Ivt drivetrain it is ran on a chain not a belt. I have nothing but great things to say about Kia engineering. I don't know why but for some reason the 2019 Kia Forte does not have many of the problems associated in the news. I also have the new anti-theft that Kia Motors placed at no charge to me. I think the days are gone when you can complain about Kia recalls. I think we've seen in the news even Honda, Toyota and Nissan have all had recalls also. I feel like Kia turned a big corner in 2013 on making great automobiles. I like them because they're easy on the budget and very reliable and good on gas. I also like the fact there is a lot of room that comes with these vehicles. I also have a Kia Sorento V6 2019 that is also been a good vehicle. Like they say Kia has the power to surprise. Forget keeping up with the Jones get a car that will save you money.

Vehicle information

Ext. color: Black
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 27846951
VIN: 19UDE2F34HA003412

Features

Entertainment: Bluetooth®, HomeLink
Exterior: Alloy Wheels, Moonroof
Safety: Backup Camera
Seating: Leather Seats

Reviews

CarMax Glencoe (Edens Expy) review

A dealership you can trust

I was looking for a specific car that was at this CarMax. Problem was that I live in Minnesota, not Chicago and would have to traveling a great distance for a car I had not seen other than in pics, potentially risking wasting a great deal of time and money. I had to trust Jonathan, my salesman, to tell me the condition of the car where the pics could not. He was completely honest and the car was exactly what he said it was. Between Jonathan and Adam, the sales manager i was able to close the deal and drive back to home within an hour. I am completely pleased with the car and 100% satisfied with the dealership. I guess you can trust a car dealership. I did and they did not let me down. Thanks guys.

2017 Acura ILX w/AcuraWatch Plus review

Nice ride, I love the luxury and the compliments.

Got one with 29,000 very nice ride. Very satisfied. I feel like I got my moneys worth. I will hand this down to my daughter.

Vehicle information

Ext. color: Dark Cherry
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 24-35
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 gasoline direct injection, DOHC, variable valve control
Stock #: AAW-259395
VIN: 5XXGM4A71DG259395

Features

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

Reviews

Your Choice Autos Waukegan review

I had the pleasure of being assisted by Sam, and he was

I had the pleasure of being assisted by Sam, and he was amazing. He wasn’t pushy at all and answered every question I had with confidence and clarity. He was friendly, approachable, and made the whole experience comfortable and easy. Great service all around.

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.

Vehicle information

Ext. color: Ultimate Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 30-39
Fuel type: Gasoline
Transmission: Automatic
Engine: Nu PE 2L I-4 DOHC, D-CVVT variable valve control, regular unlead
Stock #: 60653
VIN: KMHLS4DG1SU898217

Features

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

Reviews

Hertz Car Sales Des Plaines review

John Quinlan

Like so many have said before, this was a low pressure, no hassle experience. Brian did a great job of answering all our questions and showing us various cars in our price range. This was the third car my wife and I have purchased from Hertz and we would not hesitate to buy our next one there. I hate the usual car buying process, but the no haggle pricing makes decision making easy - and the prices are very fair.

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 31-40
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 28045131
VIN: 5YFS4MCE3NP122943

Features

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

Reviews

CarMax Hillside (Eisenhower Expy) review

One hour twenty minutes from walk in to drive off

This is the second car I've bought from CarMax (I also once sold a car). Every experience has been fantastic but this actually ranks as the best. Sales Consultant LaShinda John answered every question I had via email and then, for financing, by phone so that I walked in with the exact make, model and trim I wanted waiting for me to test drive and pre-approved for financing. The entire in-dealer experience took less than an hour and a half. Fantastic company and fantastic sales consultant.

2022 Toyota Corolla SE Apex review

Good car but some "features" I do not like

Leasing this car. Expected to wait a couple of months but received a notification that a car matching my specifications would be available the next week. The car met most of my requirements. The price of the lease was considerably more than I expected to pay but I agreed to the terms. Two months after taking possession of the vehicle, the brake actuator failed and I lost use of the vehicle for two weeks. Of course, the repair of the brake actuator was under warranty! The miles per gallon are what I have come to expect from a Toyota Corolla - better than 40 mpg on the freeway, a little less on surface streets. I replaced the standard interior rear view mirror with the one that has a built in Universal garage door opener because there was not a convenient place to mount the garage door opener that I had used with two previous Toyota Corolla leases. The thing I like about this 2022 Toyota Corolla: good gas mileage, bright headlights, good interior space. Things I do not like: cheap plastic rear trunk wing that broke in drive through car wash, black out lettering that standout on the greyish body color, unlit driver side lock/unlock buttons that are hard to locate in the dark when getting out of the car.

Vehicle information

Ext. color: Amethyst Gray
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 30-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: AAW-754795
VIN: 3N1AB7APXDL754795

Features

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

Reviews

Your Choice Autos Waukegan review

Every step was very organized, and the sales

Every step was very organized, and the sales representative was extremely helpful. Overall, it was a great experience.

2013 Nissan Sentra SR review

I just bought a 2013 Sentra SL.

I just bought a 2013 Sentra SL. After buy8ng it I read some very bad reviews, regarding extensive repairs, costing thousands. I'm a low income, retired Senior, so this is all bad news to me. Mostly concerned about the issues they have had with their transmissions. My vehicle has 78,000km. Should I be worried!?

Vehicle information

Ext. color: Ultimate Red
Int. color: Light Gray
Drivetrain: Front-wheel Drive
MPG: 49-52
Fuel type: Hybrid
Transmission: Automatic
Engine: KAPPA 1.6L I-4 gasoline direct injection, DOHC, D-CVVT variable
Stock #: 60730
VIN: KMHLN4DJ1SU122561

Features

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

Reviews

Hertz Car Sales Des Plaines review

It was some of the best cheese I ever tasted!

I can only say that I thought it was a simply delicious experience.

2025 Hyundai ELANTRA HEV Limited review

Overall top marks for the dealership, special mention for

Overall top marks for the dealership, special mention for the sales rep Diana. A great place to spend hard earned money. Normally it’s hard to recommend a dealer, not this time.

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 30-40
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 28090325
VIN: KMHLM4AG5PU434191

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

2023 Hyundai ELANTRA SEL review

I own a 23' Hyundai Elantra Limited, it has 37,000 miles

I own a 23' Hyundai Elantra Limited, it has 37,000 miles on it. For the Elantra being the smallest sedan that Hyundai makes, I have been surprised by this car. My 2 previous cars were a Sonata Sport and a Sonata Limited. Pros: comfortable ride - I drive 60+ miles daily to work and I have no complaints about the ride of this car. Sound System: This features Bose speakers, as it is a Limited model. For a factory sound system, it sounds very good. Fuel Mileage: I get between 35 - 37 MPG with some of my daily drive being in stop and go traffic. Maintenance: the only things I have had to do were the normal oil changes, filter changes, and I have replaced the tires. Cool feature is the BlueLink phone app so you can remotely lock, unlock, start the engine to cool down or warm up the interior of the car Cons: hyundai took away the ability to save music to the car stereo and replaced the feature with "nature sounds" Homelink garage door opener was not an option in the Elantra Limited. I would recommend this car to someone that has a limited budget and is looking for a car that is fun to drive and has been reliable.

Vehicle information

Ext. color: Gray
Int. color: GRAY
Drivetrain: Rear-wheel Drive
MPG: 29-38
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 28114795
VIN: 2T1BURHE1FC342105

Features

Entertainment: Bluetooth®
Safety: Backup Camera

Reviews

CarMax Naperville review

Price listed is the price you pay!

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

2015 Toyota Corolla LE review

Greatest car today if you want reliability.

I've been drving my 2015 T.C. 2015 LE Eco for last 6 1/2 years and I love my car. I'm glad reviews consider it a good value and long lasting at 55 this is for cars but the car is great and I can honestly say no complaints.

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 30-40
Fuel type: Gasoline
Transmission: Manual 6
Engine: Turbo Gas
Stock #: 27351686
VIN: 3VWN57BU0KM265871

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor

Reviews

CarMax Naperville review

Iconic experience

Only place to purchase and sell a car outstanding experience outstanding quality cars and Kudos to everyone I encountered. Clean and efficient world class above everyone else in the industry

2019 Volkswagen Jetta S review

great car to drive to work everyday, to travel to other

great car to drive to work everyday, to travel to other city or town with a superior suspension. also to give as gift to our son or daughter in their birthday.

Vehicle information

Ext. color: Black
Int. color: GRAY
Drivetrain: Rear-wheel Drive
MPG: 30-40
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 28125884
VIN: KMHLM4AG8PU450479

Features

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

Reviews

2023 Hyundai ELANTRA SEL review

amazing place to buy

amazing staff - best inventory in town - best customer service in the industry - did not take much time to get in and out follow was stellar as well

Vehicle information

Ext. color: Super White
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: T1298A
VIN: 4T4BF1FK0ER440940

Features

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

Reviews

McGrath Kia of St Charles review

They are the greatest team!

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

2014 Toyota Camry LE review

I4, SE, Torque Converter recall was only major problem,

I4, SE, Torque Converter recall was only major problem, now pushing 377K mi. Required maintenance items, brakes, tires, this machine is built to last. Did radiator, water Pump & Alternator. Great Highway car!

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Four-wheel Drive
MPG: 20-28
Fuel type: Gasoline
Transmission: Automatic
Engine: Turbo Gas
Stock #: 27927036
VIN: WBA7T4C02LCD62827

Features

Convenience: Heated Steering Wheel, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning, Rain Sensing Wipers
Seating: Leather Seats, Memory Seat

Reviews

CarMax Schaumburg review

Happy shopping and purchase

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

2020 BMW 740 I xDrive review

Excellent car beats the Audi A8 hands down.

Bought 730d xdrive msport September 2020, its a great car and I cant find fault with it, it was involved in an accident in December 2020 and I had the Audi flag ship A8 and that was a complete disappointment.

Vehicle information

Ext. color: Pearl White Multi-Coat
Int. color: White/Black
Drivetrain: Rear-wheel Drive
Fuel type: Electric
Transmission: Automatic
Engine: ELECTRIC MOTOR
Stock #: 15424
VIN: 5YJ3E1EA5PF541305

Features

Convenience: Heated Seats
Safety: Backup Camera, Stability Control

Reviews

Driven Auto of Dundee review

Being an out of state buyer i was nervous dealing with a

Being an out of state buyer i was nervous dealing with a new dealer, however Eddie my salesman was very meticulous and a delight to work with. The finance team Bill/Max went above and behind to get me the best deal possible. My nephew is going to need a car soon, and i Definity know where I'm going to suggest he should go.

2023 Tesla Model 3 Standard Range review

Fun, fast

I really love this car. It looks great, is very fast, and is all-around fun to drive. The one-pedal braking is the best feature, IMO. Would purchase again.

Vehicle information

Ext. color: Uyuni White
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 17-23
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.3L V6 24V GDI DOHC Twin Turbo
Stock #: ZL1050
VIN: KMTG54SE7SU149583

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Black
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 27733166
VIN: 4T1B11HKXJU601424

Features

Convenience: Remote Start
Entertainment: Bluetooth®
Exterior: Alloy Wheels
Safety: Backup Camera, Lane Departure Warning

Reviews

2018 Toyota Camry SE review

Great Car

I have purchased six Camrys. So, when it was time to purchase a new one, I didn't check the features. I was pleasantly surprised by the radar cruise control that maintains your distance from the car in front regardless of the speed setting. It also flashes on your mirrors when a car is in your blind spot. The large screen on the radio is super. There are many other great features you will love!

Vehicle information

Ext. color: White
Int. color: GRAY
Drivetrain: Rear-wheel Drive
MPG: 27-37
Fuel type: Gasoline
Transmission: Automatic
Engine: Turbo Gas
Stock #: 25203922
VIN: 1G1ZE5ST9GF355455

Features

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

Reviews

2016 Chevrolet Malibu LT review

I had a travel experience in January 2023, while

I had a travel experience in January 2023, while vacationing in Florida, to save money I ordered a subcompact and was up graded to a Chevy Malibu. The LT has the smaller 1.5 L 4 Cylinder which was great on gas, performance was good, not great like my Chevy Avalanche. Missed my flight back to JFK NYC, My fault. Jet Blue got me to LaGuardia AP. Rental Company at JFK was About to Close. The same Company had a branch in LaGuardia they rented me a Malibu at no extra cost. It snowed and the front wheel drive just held the road. That's why I purchased a 2020 Malibu Premier it had everything but the Safety & entertainment. I loved everything else.

Vehicle information

Ext. color: Wolf Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 8 Speed Dual Clutch
Engine: Theta-III 2.5L I-4 port/direct injection, DOHC, CVVT variable va
Stock #: DT1092A
VIN: 5XXG44J81PG176787

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, 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, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2023 Kia K5 GT review

GO BUY THE K5

I LOVE my 2023 KIa K5 GT-Line. I have the Passion Red, and I must say it’s a very sexy color. The panoramic sunroof is my favorite feature. The K5 rides so smooth and handles very well. If you’re considering this car…don’t hesitate any longer. GO BUY IT!!!

Vehicle information

Ext. color: Gray
Int. color: BLACK
Drivetrain: Rear-wheel Drive
MPG: 29-40
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 27723449
VIN: 3KPF34AD3ME357244

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning

Reviews

CarMax Kenosha review

Buying Car

Nice and all staff are very friendly, and everyone there was so much fun, and Ed Wanland have a great time to work out for me. Thank you

2021 Kia Forte GT-Line review

very good very comfortable and very impressive sup

I own a very nice car, I like it very much, the handling is great I would recommend it to everyone good price performance good

*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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