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Used sedans for sale near Winterset, IA under $15,000

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199 matches 30 miles from 50273
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Est. $400 /mo*
Down Payment
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Months
72
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7.0%
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Vehicle information

Ext. color: Oxford White
Int. color: Charcoal Black w/Warm Steel Surround
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 317152
VIN: 1FADP3E22DL317152

Features

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

Reviews

Moss Motors review

Great Guys to work with

We have now purchased two cars from Moss Motors. One for each of my daughters. The one car over 5 years ago and another just last weekend. I have nothing but good things to say about these guys. They are not hard sell and they work with you in anyway that they can. You will NOT be buying a new or certified car. What you will get is a nice newer car probably with a lot of miles on it but still in good shape. I WILL be bringing my business back to them in the future

2013 Ford Focus S review

Basic Road Car / Commuter is OK

In Aug 2016, purchased the 2013 Fucus Hatch SE used in 2016, with 13,000 miles on it. With 35-37mpg on average with mixed driving. Early on OK without issues. Around 40K miles the transmission electronic control modual, ECM, needed an adjustment. The transmission is a learning transmission. It will learn how you drive and adjust shift points as your driving habits are learned by the transmission. My wife's driving habits are put it in drive and GO! My habits are different. Every now and then I will drive her car and shift the transmission as a manual drive, since the transmission is a manual drive transmission which has been automated. The engine and transmission only makes a subtle gurgle noise when as the car shifts from 2nd to 1st as the car comes to a stop. The car is sporty to drive, sensitive steering, good braking. It reminds be of a less expensive VW Golf. Currently we have 140K miles and the only wear on the car that shows is a failure of the heat shield and since I am a mechanically inclined guy who putters around fixing what is broken, there is wear on the clutches in the transmission, all due by my wife's driving habits of being a speedy driver. Since we already have it and its paid off, I will keep it. I will only purchase a Golf or Jetta when the transmission or electronic control module hiccups. I do realize the ECM has a recall if you're below 1450K miles.

Vehicle information

Ext. color: Ingot Silver Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 25-34
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 269358
VIN: 1FADP3E26JL269358

Features

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

Reviews

Moss Motors review

ElBuyer comments

Very helpful personnel. Dealership a little difficult to get in to and parking was limited. Good selection of vehicles in the price range I was interested in.

2018 Ford Focus SE review

Purchased a used 2018 with 35K miles in 2023.

Purchased a used 2018 with 35K miles in 2023. I now have 75K miles as it's a commuter car, about 90 miles a day. I average almost 41 mpg going from Pueblo to Colorado Springs and back. The CVT was a bit suspect when I first got it, but I think the driving has corrected the 3rd gear delay. The CVT is hands down better than my Altima. One year that car was gone, total junk.

Vehicle information

Ext. color: Tuxedo Black
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 328034
VIN: 1FADP3E23FL328034

Features

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

Reviews

Moss Motors review

Was looking for a used car.

I sent a request for availability of one of their cars via cars.com. I did receive a prompt email reply. However, I didn't proceed any further.

2015 Ford Focus S review

Great value for money

Really good car. Bought my focus 2 years ago, and it was amazing deal. Was by the far best deal on the lot. There was a Corolla on the lot, which was way older, had a higher mileage, and was $500 more. I said no way, stick it Toyota. I’m going American, and I am so glad I made that choice. My focus didn’t disappoint me at all, with a well designed well thought out interior design, and sporty exterior styling. Very comfortable and quiet ride. And impressive gas mileage. 37 MPG on the highway, and around town about 33. Awesome gas mileage, and it only costs me $50 a week for a full tank. Been pretty reliable, did have a few little transmission hiccups. But took it in and were soon fixed under warranty. Other than that, no other reliability problems to report in two years of ownership. Definitely recommend this car.

Vehicle information

Ext. color: Classic Silver Metallic
Drivetrain: Front-wheel Drive
MPG: 22-32
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: A27128P
VIN: 4T4BF3EK7AR027128

Features

Entertainment: CD Player
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Kars Inc. Pleasant Hill review

Great dealership!

Tom was great to work with. All staff was very nice. I would recommend to anyone looking for a great vehicle. I will be a return customer; )

2010 Toyota Camry Base review

I bought this car used in 2023.

I bought this car used in 2023. It runs well. It is not the quickest car but it will always get the job done. I have the 2.5L 4 cylinder and it gets around 27 mpg on average. This car has never let me down and I plan on keeping it for a while. I would definitely recommend this car if you're looking for something that will last forever and get you from A to B.

Vehicle information

Ext. color: Champagne
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 26-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 293341
VIN: 1FADP3F20GL293341

Features

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

Reviews

Moss Motors review

Very knowledgeable and fair

Very knowledgeable and fair. I went to about 10 different places to drive cars and I could tell they knew more about the cars they were selling than anyone else I talked to. They will be my first stop any time I shop for a car in the future.

2016 Ford Focus SE review

I've had my 2016 Focus SE for 9 years this year & will

I've had my 2016 Focus SE for 9 years this year & will drive it until one of us dies. I've never had a problem with it. It gets great gas mileage, is comfortable & roomy. I've hauled many things that others thought wouldn't fit but with the back seats folded down ...no problem. I would recommend a Focus to anyone looking for a reliable vehicle.

Vehicle information

Ext. color: Ingot Silver Metallic
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 26-38
Fuel type: Gasoline
Transmission: Manual
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 311553
VIN: 1FADP3E27JL311553

Features

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

Reviews

Moss Motors review

Love my "new" used jeep patriot

It was a fantastic buying experience. Brady in particular was very responsive, patient and kind. And I was even buying from out of state. I couldn't be happier with pricing, the service, and value.

2018 Ford Focus SE review

I love this car, the only exception is the transmission.

I love this car, the only exception is the transmission. The clutches jerk hard, only once in a while. It mainly jerks when someone besides me drives and only occasionally with me. Overall, I love this car!

Vehicle information

Ext. color: Black Granite Metallic
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 25-36
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 2.5L I-4 gasoline direct injection, DOHC, variable valve
Stock #: 220349
VIN: 1G11C5SL4EF220349

Features

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

Reviews

2014 Chevrolet Malibu 1LT review

The Perfect Car

2014 Malibu has been the perfect car. 355,000 miles and still going strong. Only minor repairs (wheel bearings, 1 O2 sensor and a valve timing solenoid), all preventative maintenance, and 33mpg lifetime average. Drivers seat is worn but all else is still in good condition.

Vehicle information

Ext. color: maroon
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 26-35
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 gasoline direct injection, DOHC, i-VTEC variable valve
Stock #: 14188
VIN: 1HGCR2F50GA080259

Features

Convenience: 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

Car City Merle Hay LLC review

Great customer service.

After shopping at few dealers, this was our first and last stop. we were approached by Mohammad Ali and transaction was very smooth from beginning to end. It was a great experience shopping at CAR CITY for the service we received. I will recommend this place and Mr. Ali to any one!!

2016 Honda Accord Sport review

500 miles a week on the GSP and the comfort in my 4 door

500 miles a week on the GSP and the comfort in my 4 door Honda Accord is unmatched with the wide leather seats and the smooth ride. Change the oil when the wrench light is on and still going strong at 160,000k miles. 34.5 mpg average for highway travel.

Vehicle information

Ext. color: Silver
Drivetrain: Front-wheel Drive
MPG: 19-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 3.5L V-6 i-VTEC variable valve control, regular unleaded, engine
Stock #: 14201
VIN: 1HGCP36898A079523

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Car City Merle Hay LLC review

Great Experience car buying

I just bought a car from Car City. It was a great experience. I went in at 5:15 and drove away with my new car less than two hours later. Gregg took me around and I saw all possible options. Tony helped with financing and all the rest was done by Mr. Ali. To sum things up, they took great care of me! I highly recommend anyone looking at purchasing a car to check out Car City. I got a great car for a price I could afford and they were so helpful and nice that I felt like I made some new friends. A special thanks to everyone at Car City.

2008 Honda Accord EX-L review

Recommend the Honda accord lx 2008!

I have had the Honda LX for almost 3 1/2 years now and it’s such a reliable car. It drives good (and I drive it hard may I add) have only had to fix the brakes and roders just a week ago, it does burn oil like crazy and I replaced a couple tires that kept popping but other than that it’s good on gas, a smooth ride, I never plug it in in the winter and may I add it gets to -30 here and it starts every time. My car is all black tinted led lights she is nice to look at beautiful body (model) I like this car out of the 13 cars I’ve had and this is one of the older cars too I’ve had but I just love it for some reason. I would definitely recommend it. I purchased mine for a little over $7600 from a family member did some upgrades to it take good care of it mechanically the inside is always clean (some scruffs here and there as it’s an older car) but I’m sure i could sell it for $5500-$6000. Definitely a good buy and worth it.

Vehicle information

Ext. color: Catalina Blue Metallic
Int. color: Dark Charcoal
Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.4L I4 SMPI DOHC
Stock #: P2047A
VIN: 4T1BE32K34U905269

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels

Reviews

Deery Brothers Chrysler Dodge Jeep Ram review

I worked with Kirk at Deery Waukee and had such a great

I worked with Kirk at Deery Waukee and had such a great experience purchasing my 2021 Palisade! Good communication, extremely helpful, and I felt like he really had my best interest in mind. Everyone I spoke to was so kind. I received a follow up call shortly after my purchase to make sure I was loving it. Thank you!!

2004 Toyota Camry LE review

Toyota is The Best

My 2004 Toyota Camry 2.4L it’s been the best reliable car a ever had , originally purchased to fix the crank shaft sensor on it do to gears not shifting properly, and resale after that , but after fixing it my self , I ended up Loving it , it now has 280,000 miles and still running with 0 problems or lights on the dashboard, and for sure will go over 300 k miles , it’s just and AMAZING car.

Vehicle information

Ext. color: Galactic Gray
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 29-38
Fuel type: Gasoline
Transmission: Automatic
Engine: Nu 2L I-4 DOHC, D-CVVT variable valve control, regular unleaded,
Stock #: HU150601STK
VIN: KMHD74LF0HU150601

Features

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

Reviews

2017 Hyundai ELANTRA SE review

I bought my Elantra new.

I bought my Elantra new. Never had to take it in for mechanical problems just front end due to pot holes. The car gave me an average mileage of 5.3/100km. I finally traded up to a newer Elantra. My old car had 483000km, no warning lights or repairs to the engine or transmission. Keep up with your maintenance

Vehicle information

Ext. color: Shadow Black
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Manual
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 123621
VIN: 3FADP4BJ8HM123621

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Stability Control

Reviews

2017 Ford Fiesta SE review

I've had a 17 Ford Fiesta Se car since 2017.

I've had a 17 Ford Fiesta Se car since 2017. Bought it brand new off the lot. Got ripped a new one due to the price I paid, however it was worth it. She's got a bit over 200,000 miles and the only major problems were the timing belt was walking off, and the original belt snapped put of the blue once. Cars a/C is still perfect, lacks horsepower but a very economical and spunky car. Time for maintenance on the sus as of now, but I still love driving it. Bluetooth took a crap, and it still drives great. I live in the mountains so it's taken a beating, but she keeps going!

Vehicle information

Ext. color: Alabaster Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 34-34
Fuel type: Gasoline
Transmission: Automatic 5-Speed
Engine: 2.4L I4 190hp 162ft. lbs.
Stock #: 4881
VIN: 1HGCP2F8XCA114881

Features

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

Reviews

Efkamp Auto Sales Urbandale review

Great Experience

Great prices. Large selection of high quality cars and trucks. Low sales pressure. Jack was great to work with. They do stand behind their cars.Thanks

2012 Honda Accord SE review

I agree with most of the ratings except I don't know how

I agree with most of the ratings except I don't know how it gets a 4.4 for comfort. The driver's seat is terrible. No matter how I tried to adjust it I end up with a sore back.

Vehicle information

Ext. color: Black Granite Metallic
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 25-36
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 2.5L I-4 gasoline direct injection, DOHC, variable valve
Stock #: 135010
VIN: 1G11C5SL8EF110453

Features

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

Reviews

2014 Chevrolet Malibu 1LT review

Succeeds at every level

This is my updated review. Currently 131k miles. First reviewed as Midwest Dad at 10k miles. My 2.0 Turbo Malibu (now my daughter's) has been nothing short of remarkable. The engine pulls like a freight train and has had ZERO issues. Bluetooth and wireless STILL seamless and easy. Pair your phone one time, get in the car, pick spotify (or whatever) and play. THAT easy. There are zero squeaks and zero rattles. Every interior and exterior light works perfectly and are original. Original brakes went to 93k miles. The car stops on a dime 38k miles after replacement. Leather still perfect. Suspension and steering as brand new. (replaced front struts at 100k; ORIGINAL rear shocks). Over 30 mpg on highway and did i mention it will get to 60mph in less than 6.0 seconds? For its job? Along with my Yukon and Cadillac, literally the best car I've ever owned. Now it keeps my daughter safe....

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Dark Charcoal
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: ER363049A
VIN: 4T4BF1FK2ER363049

Features

Entertainment: Bluetooth®, CD Player
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Acura of Johnston review

MCcleeary toyota camry

Jasmin approached us outside and helped us with our search on a new vehicle . test drove the Camry and fell in love. we also looked at the vw and it would not start.

2014 Toyota Camry L 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: Oxford White
Int. color: Charcoal Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Manual
Engine: 1.6L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 146525
VIN: 3FADP4AJ7JM146525

Features

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

Reviews

2018 Ford Fiesta S review

Great vacation car with rv pulling

We pull behind our 34 foot rv Fiesta is 5 speed manual, no steering wheel lock, puts o miles on when pulling , great fuel economy.

Vehicle information

Ext. color: Crystal Black Pearl
Drivetrain: Front-wheel Drive
MPG: 27-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 gasoline direct injection, DOHC, i-VTEC variable valve
Stock #: 14194
VIN: 1HGCR2F89EA103724

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Car City Merle Hay LLC review

Bought a vehicle from car city. Very good place

David was a really good guy, I bought a truck last Friday and so far so good, I will definitely go back when myself or my kids need a vehicle, thank you David so much

2014 Honda Accord EX-L review

This is hands down the best car I have ever owned!

This is hands down the best car I have ever owned!! I've had it 11 years and my 2014 Honda Accord has never needed a repair. I have only ever had to do regular maintenance on it (battery, brake pads, tires, etc). What an incredible value at $22K!!! One feature that has been buggy is the infotainment/Bluetooth but I can live with it.

Vehicle information

Ext. color: Bright Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 25-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, D-CVVT variable valve control, regular unleaded,
Stock #: 075638
VIN: KNAFK4A67E5075638

Features

Entertainment: Bluetooth®, CD Player
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

2014 Kia Forte LX review

Fun, fast, durable!!! BRI PROOF

For buying a used car a manual 6speed at that, I would recommend this car if it has been taken care of like mine. Most definitely.

Vehicle information

Ext. color: Storm Blue
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 27-39
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: S44494A
VIN: 1N4AL3APXHC229665

Features

Convenience: Keyless Entry, Keyless Start, Remote Start
Entertainment: Bluetooth®, CD Player, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control

Reviews

Toyota of Des Moines review

Incredible experience

I have never had a more pleasurable experience buying a car. Jeremiah Hickenbottom took care of the whole process from Starr to finish. No there was no pressure to buy something that I didn't want. He listened to what I needed and found it. I highly suggest that when someone is looking to buy a new car that you stop here first.

2017 Nissan Altima 2.5 SV review

My Altima

I love my Altima. It looks good and it handles beautifully. The gas mileage is good, especially on the highway. The car is comfortable, too.

Vehicle information

Ext. color: Obsidian Blue Pearl
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 36-36
Fuel type: Gasoline
Transmission: CVT
Engine: 2.4L I4 185hp 181ft. lbs.
Stock #: 6467
VIN: 1HGCR2F82DA096467

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, DVD Player, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Efkamp Auto Sales Urbandale review

OUTSTANDING USED CAR DEALER!!! / Des Moines Iowa

I purchased my 3rd used car in five years from Efkamp Auto Sales LLC today 1/03/20. I shopped @Efkamp on the Merle Hay Strip knowing they'd have a selection of the absolute finest used cars available in the Des Moines Metro area. Not only was I thrilled to find a selection of Luxury vehicles I could afford; I was able to purchase a vehicle beyond anything I imagined I'd be driving today! Many thanks to Randy Efkamp and his son Taylor for all your help today. I'll be back in a year or so when my son needs his first car! Happy New Year!!!

2013 Honda Accord EX-L review

Bought my 2013 Accord EX-L used in 2021 and I love my

Bought my 2013 Accord EX-L used in 2021 and I love my car. Incredible gas mileage, a sunroof, an excellent factory stereo system, and smooth, zero to sixty in about eight seconds acceleration. Corners like a dream. Heated leather seats. Roomy backseat for the Pibble and a generous trunk. Very little cabin noise. I have total confidence that if I maintain scheduled maintenance on this car, and I will, it'll last me for another hundred thousand miles. I honestly think that the 9th generation Honda Accord was one of the best years for this car.

*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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