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Used Toyota Camry for sale near Derby, CO under $8,447

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19 matches 30 miles from 80024
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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: Lunar Mist Metallic
Int. color: Stone
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: 5-Speed
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: MSS252064A
VIN: 4T1BE30K86U700018

Features

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

Reviews

Mike Shaw Subaru review

We purchased a car from Mike Shaw Subaru on 11/11/2024.

We purchased a car from Mike Shaw Subaru on 11/11/2024. A young man by the name of “Fred” Fredheric Manosa helped us. What a wonderful person, very pleasant to be around went above and beyond to make us happy. I will definitely recommend him to my friends and family and Mike Shaw Subaru

2006 Toyota Camry LE review

My Love Camry 2006!

I wanted to share something with you. I bought my 2006 Camry brand new and it has been such a reliable car for the past 18 years. It has never let me down except for some paint issues due to the Florida weather by the sea. I'm hoping to keep it for another 18 years!

Vehicle information

Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 151816
VIN: JTDBE32K130151816

Features

Convenience: Keyless Entry
Entertainment: CD Player

Reviews

Momentum of Denver review

2013 Nissan Xterra

Great experience overall, from inquiry, buying process, loan application and shipping my car to California. There’s apprehension and a big risk buying a car virtually but Roger and Shawn have been excellent in their support. Would highly recommend Momentum of Denver for your used car needs

2003 Toyota Camry LE review

Comfortable, reliable, economical.

I bought my 2003 Camry 4 cyl 5 speed stick NEW. Still drive it with over 210,000. MPG is 35. Best car I’ve ever owned now passing 20 years and still going. I refused to trade it. My tags are now dirt cheap too. I get over 500 miles per tank and I brag on it!

Vehicle information

Ext. color: Lunar Mist
Int. color: Taupe
Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: P565
VIN: JTDBE32K730170967

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player

Reviews

Sprinkler Used Cars review

When everybody else says no...

Sean was a HUGE help in getting me into a car! My situation was very bleak and I had been told no by every other dealer in town, but Sprinkler Used Cars got me into a great car that fit my budget. Thank you so much for your help, this is a life-changer for me!!!

2003 Toyota Camry LE review

Best First Car I Ever Hard

I bought my 2003 V6 XLE Camry from a colleague in 2017 for under $2,000 at 143,000 milage now in May 2022 the milage is at 183,000. I've spent $3,000 so far on repair but a big chunk was for an incident on the ball joint that costed me $1,200 so maintenance outside that is pretty basic and affordable: battery, alternator, spark plugs, 4 new tires. Since it's XLE, the interior is amazing: leather and JBL audio. I hope my car can run up to 250,000 or more like many people here who left review.

Vehicle information

Ext. color: Tan
Int. color: Tan
Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 524690
VIN: 4T1BE32K42U524690

Features

Entertainment: CD Player
Seating: Leather Seats

Reviews

Car Depot review

Bought my BMW 3 series from them.

Bought my BMW 3 series from them. Super responsive and a pleasure to work with. Clean office, in and out in 20 minutes. Highly recommended for professional service.

2002 Toyota Camry LE review

Best Little Gem EVER♡

Bought my 2002 Toyota Camry brand new and 21 years later it's still AMAZING!! I have looked at new cars and I can't get myself to let go of this little miracle car I already own! I have kept up the scheduled maintenance plan and I have never (not even once) had any problems at all! Seven years ago had it repainted to factory color because it was fading. I may do that again since the paint job only lasted 7 years before I buy new. The inside is perfect! I love this little gem! ♡

Vehicle information

Ext. color: Super White
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 22-31
Fuel type: Gasoline
Transmission: 6-speed automatic
Engine: 3.5L V-6 DOHC, variable valve control, regular unleaded, engine
Stock #: 515195
VIN: 4T1BK46K47U515195

Features

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

Reviews

Car Depot review

We had amazing service from Nick!

We had amazing service from Nick! He was so pleasant and helpful to work with!

2007 Toyota Camry SE V6 review

2007 Toyota Camry LE (after 17 years)

My grandma drove this car off the lot, brand new. Has been a great car. After a few years it was passed on to my mom, then my dad, and now me. I’ve driven this car for 3 years now but unfortunately there is too much maintenance to be done for the money. Around 160k miles for us it has had minimal issues so I’d say it’s a great car. It started when we got back from a trip and one of the cylinders were misfiring (which was a spark plug and an easy fix). Around 170k miles we were driving it and it ended up overheating. We got it towed and it ended up being the water pump going out (as well as the serpentine belt needing to be replaced). After that we drove it for a few weeks but it started running rough, then we went to go home from work one night and it was idling super rough so we drove it home and decided not to use it until we could get it towed to a mechanic. It was blowing out lots of white smoke. Turns out the head gasket has blown (which we think was from the overheating done originally). Car has officially made it to 173k miles. We were hoping more but it’s not horrible considering. Something to look out for is this also burns a lot of oil. Be sure to check it often, every two weeks depending on how much you drive. Wish the engine had a recall or something for that issue. Overall great car but from my reading, don’t get a 2007-2013 if used since these are the years for oil consumption issues.

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 22-32
Fuel type: Gasoline
Transmission: 6-speed automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 637786
VIN: 4T1BF3EK0BU637786

Features

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

Reviews

Car Depot review

Great experience buying a used car here.

Great experience buying a used car here. The staff was helpful, honest, and made the process quick and easy. Highly recommend!

2011 Toyota Camry SE review

I bought this car used with under 40,000 miles in 2014.

I bought this car used with under 40,000 miles in 2014. I have been driving it ever since and currently have 272,000 miles on it. After multiple accidents and repairs it has been an extremely reliable and dependable car. Up until 250,000 I would have still driven it across multiple states. My biggest complaint is the quality of paint and the exterior design being so poor. Last year I replaced the timing belt and that was the biggest cost I've had on the car. It is beginning to throw check engine lights randomly and is burning oil - oil needs to be refilled every 1000-1500 miles now. Overall it is still a dependable vehicle around town if you are managing the oil.

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, variable valve control, engine with 178HP
Stock #: TWTS68138
VIN: 4T1BF1FK2DU676630

Features

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

Reviews

The Sharpest Rides review

Love this place and definitely recommend Alan Roque, the

Love this place and definitely recommend Alan Roque, the best worker there is definitely 5 starts.

2013 Toyota Camry SE review

Great purchase back then

Love this car! I have 81000 miles on it,the only thing I’ve done is brake job and this the 3rd set of new tires. I’m going to be getting a new Toyota soon and using this for a trade in.

Vehicle information

Ext. color: Lunar Mist Metallic
Int. color: Stone
Drivetrain: Front-wheel Drive
MPG: 24-34
Fuel type: Gasoline
Transmission: 5-speed automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: K25742
VIN: 4T1BE32K65U628814

Features

Convenience: Heated Seats, Keyless Entry
Entertainment: CD Player

Reviews

Victory Motors of Colorado review

Very Pleased

Aiman and the dealership made my purchase very easy and quick. They went above and beyond to accommodate my needs. Love the new jeep and got it for a great price. Thank you!

2005 Toyota Camry LE review

Best Car ever made Reliable Powerful Chicken

Best Car ever made Reliable Powerful Chicken magnet Drag off 93% of vehicles, all they see is your tissue box on the rear parcel shelf

Vehicle information

Ext. color: Light Autumnwood M
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.2L I-4 DOHC, regular unleaded, engine with 136HP
Stock #: 1U054375
VIN: 4T1BG22K81U054375

Features

Entertainment: CD Player

Reviews

AutoNation Subaru Arapahoe review

Incredible sales staff.

Incredible sales staff. No nonsense, at least in my opinion. Straight forward. I had my heart set on a specific vehicle and I got the one I wanted thanks to their professionalism. Highly recommend. Shout out to Diana, you represent your dealership super well

2001 Toyota Camry CE review

Phenomenal car!

Phenomenal car! bought mine used with 213,000 miles on it fresh out of college. Currently at 250,000 and it still runs like a charm. Have only had to do minor repairs and regular maintenance. Highly recommend if you’re looking for a cost efficient, reliable and smooth running vehicle.

Vehicle information

Ext. color: Gold
Int. color: Bisque
Drivetrain: Front-wheel Drive
MPG: 22-32
Fuel type: Gasoline
Transmission: Automatic, 6-Spd w/Overdrive
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 90335
VIN: 4T4BF3EK4AR030245

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Exterior: Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

2010 Toyota Camry LE 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: Black
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 22-32
Fuel type: Gasoline
Transmission: 6-Speed Shiftable Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 099161
VIN: 4T4BF3EK0BR099161

Features

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

Reviews

Car Depot review

Absolutely satisfied, they are very friendly and very

Absolutely satisfied, they are very friendly and very good prices, safe and reliable, thank you.

2011 Toyota Camry LE review

Bought this car a year ago with 92k miles.

Bought this car a year ago with 92k miles. I have put 5000 miles on it since then and have not experienced any issues. Great car for everyday driving, rides smooth and runs well. Also pretty good on gas.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: Automatic
Engine: 3.5L V-6 DOHC, variable valve control, regular unleaded, engine
Stock #: P9U095997
VIN: 4T1BK46K59U095997

Features

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

Reviews

Mercedes-Benz of Denver review

Matt and Max were very helpful in the process of buying a

Matt and Max were very helpful in the process of buying a car. They were very responsive and in a very fast amount of time too which is great. Would highly recommend this dealership to anyone!

2009 Toyota Camry LE review

I am a 95 year old female and LOVE my 2009 Camry.

I am a 95 year old female and LOVE my 2009 Camry. Bought it new in June of 2008 after my 1996 Camry was rearended and totaled. Since then I have driven it 84,569 miles for which I had to buy 3,778 gal of gas. I take my car to the dealer every 4 months (whether it needs it or not) and spent $28,775 for these visits which comes out to 34 cents a mile. It is large enough so that I feel secure among all these huge cars, yet it is small enough so that I have no problems parking in tight spots, or backing into my carport. It has enough get-up and go so that I have been able to get out of tight spots and it has kept me safe and accident free all these years. If - for any reason - I should have to buy one more car during my lifetime - I definitely hope that Toyota has another Camry for me.

Vehicle information

Ext. color: Attitude Black Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 25-35
Fuel type: Gasoline
Transmission: 6-Speed Shiftable Automatic
Engine: 2.5L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 646432
VIN: 4T1BF1FK2DU646432

Features

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

Reviews

Car Depot review

Couldn’t be happier with these folks!

Couldn’t be happier with these folks! Extremely helpful and friendly! They ensured all of my concerns were addressed and went above and beyond. Thank you so much to Nick, Tony and the whole Car Depot crew for helping me get my Jeep Liberty, you guys rock!

2013 Toyota Camry LE review

First car I’ve purchased

This car was the kind I was looking for. The only negative is that I will need to buy new tires in a couple months. I was very satisfied otherwise.

Vehicle information

Ext. color: Lunar Mist Metallic
Int. color: Taupe
Drivetrain: Front-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 01911
VIN: 4T1BE32K72U518205

Features

Entertainment: CD Player

Reviews

United Motors review

Amazing dealership!!!

I cannot recommend united motors enough. I bought a used Subaru crosstrek from them, and they gave me the best price I had seen anywhere. They helped me through every step of the way and worked diligently to get me a great interest rate even. You can tell how much they value customer relationships through their clear communication. They made the experience work for me, taking care of every step along the way.

2002 Toyota Camry LE review

TOYOTA Camry 2002

I was impressed by the condition … 65k miles on the car. This model is an excellent car . I was blessed to have such a great car and awesome value .

Vehicle information

Ext. color: Gold
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.2L I-4 DOHC, regular unleaded, engine with 136HP
Stock #: 90275
VIN: JT2BG22K710568318

Features

Entertainment: CD Player

Reviews

2001 Toyota Camry LE review

Car never lets me down with 151 thousand on it.

Car never lets me down with 151 thousand on it. Great car worth every dime. I bought this car with 138 I know have 151 I have no complains at all.

Vehicle information

Ext. color: Blue
Int. color: Tan
Drivetrain: Front-wheel Drive
MPG: 23-32
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: G4U829244
VIN: 4T1BE30K84U829244

Features

Convenience: Keyless Entry
Entertainment: CD Player, HomeLink, Premium Sound System

Reviews

Mountain States Toyota review

Could not have been happier with the service I received

Could not have been happier with the service I received from Tou at Mountain States. he went out of his way to be in communication with me about the RAV4 plug-in hybrid, that I was looking for. He was professional, helpful, and so easy to work with. Also appreciated Andy in finance who was incredibly knowledgeable and efficient. Really positive experience overall!.

2004 Toyota Camry XLE 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: Red
Int. color: Bisque
Drivetrain: Front-wheel Drive
MPG: 21-31
Fuel type: Gasoline
Transmission: Automatic, 5-Spd w/Overdrive
Engine: 2.4L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 90297
VIN: 4T4BE46K79R076607

Features

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

Reviews

2009 Toyota Camry LE review

This is an extremely reliable and dependable vehicle.

This is an extremely reliable and dependable vehicle. Something to look out for if you have or are interested in buying a 2007-09 Camry with the 4 cylinder motor, try and look for the service records and see if your engine was repaired with new piston rings at the time when they issued the service campaign for it. I purchased my 2009 just last year with 75k miles on it, and it was a 4 cylinder that was fixed by the dealership! Doesn’t burn a drop of oil between 5k mile intervals. This car is a beast, there is nothing to worry about whatsoever with the V6 models, just be aware that higher power output means more strain on the transmission, but these cars are mechanically fantastic. Just turned 89k miles after about a year of ownership, not one issue. Gas mileage won’t be as good as a new car, but still decent! Do your research before buying, but if you can find one of these older Camrys for cheap, you won’t be disappointed.

Vehicle information

Ext. color: Lunar Mist Metallic
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L V-6 DOHC, variable valve control, regular unleaded, engine wi
Stock #: M4U576685
VIN: 4T1BF30K34U576685

Features

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

Reviews

Mountain States Toyota review

Joey Ramirez was fantastic on getting me out of my lease

Joey Ramirez was fantastic on getting me out of my lease loan. Refinanced my truck with a good rate. Great communication, friendly and caring

2004 Toyota Camry XLE V6 review

great if you love saving money

im just a 20 year old college student who knows absolutely nothing ab cars but man do i love this one, reliable and the way the dash lights up at night is the best. i dont like how busy new cars are, this one is spacious and perfect! plus i fit a mattress in the trunk

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: Automatic
Engine: 3.5L V-6 DOHC, variable valve control, regular unleaded, engine
Stock #: 9U579441
VIN: 4T1BK46K19U579441

Features

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

Reviews

AutoNation USA Denver 104 review

AutoNation USA Denver 104 made car buying actually

AutoNation USA Denver 104 made car buying actually enjoyable. I left with a solid car and zero regrets. I’d absolutely recommend them to anyone looking for a stress-free experience.

2009 Toyota Camry XLE review

I've had my car for a while, and the only real issue is

I've had my car for a while, and the only real issue is that it consumes or leaks engine oil slowly. I change the oil every 3,000 miles, and with that routine, it's been fine. The car now has 140,000 miles and still runs great—thanks to God. I once switched to synthetic oil and drove 5,000 miles between changes, but all the oil was gone by then. Since sticking to 3,000-mile oil changes, I haven't even needed to check the oil level regularly. Aside from this minor issue, the car is reliable and has served me well.

There are additional matching cars outside your search area.

Sorted by premium dealers first

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: Classic Silver Metallic
Int. color: Ash
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 #: GTBU760798
VIN: 4T1BF3EK8BU760798

Features

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

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Ash
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 #: 636534
VIN: 4T1BF3EK1BU636534

Features

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

Vehicle information

Ext. color: Super White
Int. color: Bisque
Drivetrain: Front-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 5-Speed Automatic
Engine: 2.4L I4 16V MPFI DOHC
Stock #: SAS4956E
VIN: 4T1BE46K47U537138

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, Premium Sound System
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Brake Assist

Vehicle information

Ext. color: Cashmere Beige Metallic
Int. color: Brown
Drivetrain: Front-wheel Drive
MPG: 19-27
Fuel type: Gasoline
Transmission: Automatic
Engine: 3L V-6 DOHC, regular unleaded, engine with 194HP
Stock #: 095596
VIN: JT2BF28K1W0095596

Features

Entertainment: CD Player
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Toyota Camry prices by year

Model year Average price Deals
2026 Toyota Camry $37,090
2023 Toyota Camry $25,289 14 Good deals

About the Toyota Camry

FAQs

How much does the Toyota Camry cost?

The Toyota Camry price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Camry is $21,828, with pricing starting at $1,495.

What is the MPG of the Toyota Camry?

The hybrid Toyota Camry can reach up to 53 MPG city and 50 MPG highway for a combined rating of 51 MPG. The Toyota Camry with traditional internal combustion engine offers up to 29 MPG city and 41 MPG highway for a combined rating of 34 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 Toyota Camry?

The Toyota Camry compares to and/or competes against the following vehicles:


What trim levels are available for the Toyota Camry?

The Toyota Camry is available in the following trim levels:

What model years are available for the Toyota Camry?

Available model years for Toyota Camry inventory range from 2001 to 2026.

*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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