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Used subcompact SUVs for sale near Onarga, IL

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11 matches 30 miles from 60955
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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: Summit White
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 26-31
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecotec 1.4L I-4 DOHC, variable valve control, intercooled turbo,
Stock #: W6367
VIN: 3GNCJKSBXKL167144

Features

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

Reviews

Watseka Ford Lincoln review

Derek was very helpful in assisting me in finding a car

Derek was very helpful in assisting me in finding a car that met all my requirements. He made an effort to listen and understand what I was wanting in a car, showing me several options to help with my decision. I would highly recommend Derek and the dealership.

2019 Chevrolet Trax LS review

I’ve had my 2019 trax 52k miles for almost 3 years,

I’ve had my 2019 trax 52k miles for almost 3 years, absolutely love the car no problems so far(knock on wood) only small minor inconvenience a ground wire got a little dusty and was cleaned. I have done the pcv fix as Chevy did not make it good for these engines in the long run. Not a lot of power for my liking so I modified some components. Not very friendly for tall people im 6’3 and have my seat set almost all the way back.

Vehicle information

Ext. color: Jet Black Mica
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 26-33
Fuel type: Gasoline
Transmission: Automatic
Engine: SKYACTIV-G 2.5L I-4 gasoline direct injection, DOHC, variable va
Stock #: 24T024A
VIN: 3MVDMBCM3SM829403

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, 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

Watseka Ford Lincoln review

Excellent customer service experience, prompt response to

Excellent customer service experience, prompt response to inquiries,offered road test, keep up the good work!

2025 Mazda CX-30 2.5 S Preferred Package review

Mazda is comfortable, I'm in my 70's Reliable, rides

Mazda is comfortable, I'm in my 70's Reliable, rides great, great on gas. Something that is great on the road, Able to handle, I've handle: M-6 sadan, SUV 5, big enough good room ,and M-cx30 and 3. All long distance traveling. And not high maintenance. Good for all season

Vehicle information

Ext. color: Summit White
Int. color: Ebony w/Ebony Accents
Drivetrain: Front-wheel Drive
MPG: 28-31
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.2L I-3 gasoline direct injection, DOHC, variable valve
Stock #: 25X104A
VIN: KL4MMBS25MB076463

Features

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

Reviews

Watseka Ford Lincoln review

We drove 45 minutes to look at a new to us vehicle.

We drove 45 minutes to look at a new to us vehicle. Derek and the rest of the team were excellent to work with. Thanks Derek

2021 Buick Encore GX Preferred review

I bought this used with 26,000 miles in the spring of

I bought this used with 26,000 miles in the spring of 2024. I love the styling, interior, and value. My only complaint is that the angle of the infotainment display can make it difficult to see due to reflections, especially in bright sunlight. I love the AWD option, it adds to stability - even in dry conditions. The remote start is handy in cold weather since I now live in an apartment and no longer have a garage. Performance with the optional engine is more than adequate.

Vehicle information

Ext. color: Moonstone Gray
Int. color: Ebony
Drivetrain: All-wheel Drive
MPG: 26-28
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 1.3L I3 12V GDI DOHC Turbo
Stock #: 5822
VIN: KL4AMESL0RB189130

Features

Convenience: Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Shields Auto Mart review

Great salesman!! and staff

Dale Scudder did a great job finding me a car at the right price!

2024 Buick Encore GX Sport Touring review

For the money you can't do much better.

For the money you can't do much better. Quiet, sleek and has lots of options available. Has plenty of room and storage for this class of car. Love the AWD version as I live in a part of the country that gets a fair amount of snow.

Vehicle information

Ext. color: Laser Blue
Drivetrain: Four-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 2.4L I4 16V MPFI SOHC
Stock #: 5806
VIN: 3C4NJDBB9NT177522

Features

Convenience: Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Shields Auto Mart review

Found the truck I wanted.

I loved dealing with Shields Auto Mart and the salesman Dale Scudder. The process was very easy and Dale didn't pressure me on anything. He went over everything with me and made my experience great!

2022 Jeep Compass Latitude review

Bought this 2022 Compass Trail Hawk new for my wife.

Bought this 2022 Compass Trail Hawk new for my wife. Earlier this year (2025) we landed a sweetheart deal on a new 2024 Wrangler Sport S. Guess who inherited the Compass ? I stepped down from a Grand Cherokee but I have no regrets. It has had a few electrical teething issues but all have been resolved and have not come back. The handling and fuel economy are much better than the Grand Cherokee. There are only 2 downsides..........the size of the gas tank (13.5 gal vs 24.5) and the cargo space behind the 2nd row seats. I have easily adapted to both ! I want to give a shout-out to our local dealership, Tri-City CDJR. Start to finish, an excellent place to purchase and maintain our Jeeps. BRAVO ZULU !

Vehicle information

Ext. color: Nitro Yellow
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 28-32
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.2L I3 12V GDI DOHC Turbo
Stock #: 5780
VIN: KL77LKE24RC087146

Features

Convenience: Heated Steering Wheel, Keyless Start, Remote Start
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Shields Auto Mart review

Love Love Love my new Journey

Dale Scudder was great and found me the perfect car! He made buying my new car easy and the staff at Shields Auto Mart were friendly and helpful. Thank you all.

2024 Chevrolet Trax ACTIV review

I love my Chevy Trax I bought it in 2023 its a 2024 it

I love my Chevy Trax I bought it in 2023 its a 2024 it drives good get awesome gas mileage drove from Oregon to Oklahoma and back and one more time to Oklahoma no brake dows yes its lower to the crowd but for me its perfect to get in and out It has a lot of room in back seat and back of car for shopping It only hat one problem the Moniterscreen whent out but the Recall fixt it

Vehicle information

Ext. color: Diamond White
Int. color: Ebony Black
Drivetrain: Four-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: W6344
VIN: MAJ6S3JL5MC397939

Features

Convenience: Heated Seats, Heated Steering Wheel, 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, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Watseka Ford Lincoln review

I was very pleased with my purchsse from Watseka Ford.

I was very pleased with my purchsse from Watseka Ford. Derek my salesman was very thorough and friendly, he was a great guy to do business with, highly recommend him.

2021 Ford EcoSport SES review

My favourite car ever.

My favourite car ever. Great inside and out. The rear wiper is perfect as are the front wipers, although it's easy to accidentally activate them. You'll need to adjust your seat for a perfect fit, bit once you find it, it's great. The bank seat could use more legroom, but otherwise it's great.

Vehicle information

Ext. color: Satin Steel Metallic
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 29-33
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.3L I-3 gasoline direct injection, DOHC, variable valve
Stock #: 25X054C
VIN: KL79MPSL6NB049210

Features

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

Reviews

Watseka Ford Lincoln review

Very happy dealing with Carmen Kiger, she worked very

Very happy dealing with Carmen Kiger, she worked very hard to find the exact vehicle we were looking for. We purchased a 2026 Lincoln Nautilus. Everyone at Watseka Ford were very helpful and nice. We will return there for any of maintenance needs.

2022 Chevrolet Trailblazer LT review

Satisfied with my purchase

I am enjoying my 2022 trailblazer. The only problem of concern is the chip painting on the hood and the cost of repair for the chip painting.

Vehicle information

Ext. color: Sterling Gray
Int. color: Jet Black
Drivetrain: All-wheel Drive
MPG: 26-30
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 1.3L I3 12V GDI DOHC Turbo
Stock #: 5794A
VIN: KL79MSSL4PB175054

Features

Convenience: Heated Steering Wheel, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Shields Auto Mart review

Cruising in my new Cruz

After my car being totaled in a car accident Dale Scudder from Shields Auto Mart set me up with my new Cruz. I absolutely love it! I give Dale all the info and he found what I needed quickly with no pressure to get something else or spend more money. I would recommend Dale and Shields Auto Mart to everyone.

2023 Chevrolet Trailblazer ACTIV review

Very nice vehicle except for the back up camera.

This vehicle has one drawback that I am aware of. The back up camera is very poor. The images are not crystal clear. It is like looking at a television screen from the 50s. I had a Blazer 2019 and my screen was great. I cannot understand why my 2023 vehicle has a poor screen. I have contacted General Motors and have gotten nowhere with them. I find this poor visual screen to be a safety issue. Had I known the back up camera and screen were so poor, I would’ve never bought the car as much as I like everything else about it. The visual on the screen is even worse at night.

Vehicle information

Ext. color: Glacier Metallic
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: Automatic
Engine: Tigershark MultiAir 2.4L I-4 variable valve control, regular unl
Stock #: F38336
VIN: ZACCJBBB0HPF38336

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Stability Control

Reviews

TAC Auto Sales review

Great collection of cars , Honesty is there key , looking

Great collection of cars , Honesty is there key , looking for a sprinter for almost a year when I called them they hooked me up with the cleanest one in the market ! Appreciate you guys

2017 Jeep Renegade Latitude review

The Jeep Renegade proves that you don’t need a massive

The Jeep Renegade proves that you don’t need a massive SUV to enjoy real capability. It is great for everyday practicality, making it a great choice for drivers who want something different—something with personality, performance, and purpose. Whether you're commuting during the week or hitting the trails on the weekend, the Renegade is more than ready to go wherever life takes you.

Vehicle information

Ext. color: Red
Int. color: Ruby Red
Drivetrain: Four-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 2.4L I4 16V MPFI SOHC
Stock #: 5798
VIN: 3C4NJDCBXNT122706

Features

Convenience: Adaptive Cruise Control, Heated Steering Wheel, Keyless Start, Remote Start
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Shields Auto Mart review

Prompt, efficient

Service is excellent and always performed within prescribed time. Staff is very friendly and attentive to the customer's needs. The sales staff provided the best price in the entire central Illinois area. My family will be purchasing their next vehicles here.

2022 Jeep Compass Limited review

It's not an F1 car, nor is it a $100K

I have had my 22 High Altitude for about 4 months now and the only issue(s) I find are the following: MPG is not as advertised, it's not that great. It's around 24 average, I am about 50/50 city/highway driving - It's fine. It DOES ride like a Jeep - so it's not as "luxurious" as your higher end cars, but YOU BOUGHT A JEEP - The last snow storm we had in Cleveland was about 10" in 2 hours - No problem, even with 235/45/19 tires - Would be way better with not so wide tires. It's slow. Who cares? Are you driving in the F1? Nah - It's plenty. Interior is baller. Infotainment is great, comfortable. Heated steering wheel is a plus. IDK - I read these reviews and everyone is so picky - It's a nice ride. If you find you like it, give it a shot.

There are additional matching cars outside your search area.

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Partial matches are generated by applying your search criteria to a larger search area. Our goal is to help you discover additional cars that match your search preferences.

As a benefit to some of our dealer customers, we display their listings first.

Vehicle information

Ext. color: Diamond White Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, MIVEC variable valve control, regular unleaded, eng
Stock #: 146061A
VIN: JA4APVAU9MU001302

Features

Convenience: Heated Seats, 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, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control

Vehicle information

Ext. color: Mercury Gray Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 24-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 DOHC, MIVEC variable valve control, regular unleaded, eng
Stock #: 12618
VIN: JA4APVAU9MU025454

Features

Convenience: Heated Seats, 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, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control

Vehicle information

Ext. color: Jet Black Mica
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 26-33
Fuel type: Gasoline
Transmission: Automatic
Engine: SKYACTIV-G 2.5L I-4 gasoline direct injection, DOHC, variable va
Stock #: PACPP74761
VIN: 3MVDMBCM5SM774761

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, 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, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Cinnabar Metallic
Int. color: Ebony
Drivetrain: Front-wheel Drive
MPG: 29-31
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.2L I3 12V GDI DOHC Turbo
Stock #: P3747
VIN: KL4MMBS22NB120467

Features

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

Vehicle information

Ext. color: Summit White
Int. color: Ebony w/Ebony Accents
Drivetrain: Front-wheel Drive
MPG: 28-31
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.2L I-3 gasoline direct injection, DOHC, variable valve
Stock #: H164434A
VIN: KL4MMBS20MB106775

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
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Shadow Black
Int. color: Ebony Black
Drivetrain: Front-wheel Drive
MPG: 27-29
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: PNPPT87659
VIN: MAJ3S2GE9LC387659

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Vehicle information

Ext. color: Crimson Metallic
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 30-31
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.2L I-3 gasoline direct injection, DOHC, variable valve
Stock #: PNPPP78958
VIN: KL79MPSP7SB178958

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 24-32
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: BC8057
VIN: 3C4NJDCN1RT596298

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Mosaic Black Metallic
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 29-33
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.3L I-3 gasoline direct injection, DOHC, VVT variable va
Stock #: 9955B
VIN: KL79MMSL1RB135173

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, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Vehicle information

Ext. color: Mosaic Black Metallic
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 29-33
Fuel type: Gasoline
Transmission: Automatic CVT
Engine: 1.3L I3 12V GDI DOHC Turbo
Stock #: P3763A
VIN: KL79MTSL5NB046761

Features

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

What is the cheapest SUV available?

The Buick Encore is the cheapest available SUV by average Cars.com listing price, with an average listing price of $13,126.

Which SUV has the best MPG?

The Nissan Kicks has the best MPG among traditional internal combustion SUVs and offers up to 31 MPG city and 36 MPG highway for a combined rating of 33 MPG. The Kia Niro has the best MPG amongst SUVs with hybrid powertrains, reaching 53 MPG city and 54 MPG highway for a combined rating of 53 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.

Which SUV has the longest range?

The Cadillac Escalade IQL has the longest range among SUVs and can travel up to 450 miles on a single charge depending on electric motor and battery options.

EPA-estimated range is the distance, or predicted distance, a new plug-in vehicle will travel on electric power before its battery charge is exhausted. Actual range will vary depending on model year, driving conditions, driving habits, elevation changes, weather, accessory usage (lights, climate control), vehicle condition and other factors.

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Jeep has the most available SUV deals on Cars.com with 24543 great deals out of 69786 listings starting at $1.

*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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