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Used Toyota Matrix hatchbacks for sale near me

Filters 5 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
82 matches All miles from 43272
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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: Cosmic Blue Metallic
Int. color: Stone - Light Gray
Drivetrain: Front-wheel Drive
MPG: 28-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 102784
VIN: 2T1KR32E96C622720

Features

Convenience: Keyless Entry
Entertainment: CD Player

Reviews

Auto Connections review

Fantastic experience with Auto Connections I had a

Fantastic experience with Auto Connections I had a completely fantastic and great buying process with Nick and team. I brought a Mercedes C250. All went perfect in the process, and the whole team has been so kind and nice all the way through the process. I give Auto Connections all my recommendations!

2006 Toyota Matrix XR review

We have loved this car.

This is really a great car and has served us so well. We were going to drive it until it died (a long way off) but got a deal on a family member's car that I could not pass up. The car has a huge cargo area with the seats folded flat. It has great visibility and is a pleasure to drive. Reliable and in excellent condition. I have service records from Day 1 of owning it.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 25-31
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I4 16V MPFI DOHC
Stock #: 60182A
VIN: 2T1KU40E79C026078

Features

Entertainment: CD Player
Safety: Brake Assist

Reviews

East Coast Honda review

Great experience!

Great experience! Eric was very helpful, answered all my questions, and made the car-buying process smooth and stress-free. Highly recommend this dealership!

2009 Toyota Matrix Base review

Great car drive and also great to haul just about

Great car drive and also great to haul just about anything Small to mid sized since the back seats fold all the way down. And it gets good Gas MPG as well.

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 020642
VIN: 2T1LE4EE2BC020642

Features

Convenience: Keyless Entry
Entertainment: CD Player, Satellite Radio
Exterior: Roof Rack
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 Matrix S review

Fun to drive

I have the Matrix S model equipped with Michelin Pilot Sport Tires. Handles like a sports car on the curves. Very quick and reliable. Purchased at the end of 2011 and still going strong.

Vehicle information

Ext. color: Silver
Drivetrain: Front-wheel Drive
MPG: 21-28
Fuel type: Gasoline
Transmission: Manual, 5-Spd w/Overdrive
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: A25382
VIN: 2T1KE4EE3AC038531

Features

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

Reviews

Apollo Auto Inc review

Awesome I CANNOT wait to buy a car from them!

Awesome I CANNOT wait to buy a car from them!!! 🖤❤️🖤 Merry Christmas and Happy New Year 🎁🎄 ⭐️✨🥰☺️❤️⭐️⭐️⭐️⭐️⭐️

2010 Toyota Matrix S review

Reliable even after 11 years

At a time when I was moving around two dogs and a cat, this car was an absolute must. It was a great value to start and even more so now that I use it as a second vehicle. The only maintenance I've done is the routine oil changes, etc. I expect to own it for another 10 years

Vehicle information

Ext. color: Radiant Red
Int. color: Stone
Drivetrain: Front-wheel Drive
MPG: 25-31
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 30779
VIN: 2T1KR32E38C702212

Features

Convenience: Keyless Entry
Entertainment: CD Player

Reviews

Bayside Auto Sales review

Bought Toyota RAV4 from Matthew

Unfortunately, my car was totaled and I was able to find a very nice Toyota RAV4, that I’ve always wanted! Matthew was absolutely amazing. He was very welcoming and didn’t push any aspect of the deal on me whatsoever. He was extremely patient and very easy to work with. He made my buying experience extremely easy and fun which was a blessing because of all the stress I was feeling over my situation.

2008 Toyota Matrix XR review

I bought a new a 2008 Matrix XR in September 2007.

I bought a new a 2008 Matrix XR in September 2007. I still have it. It is nearly 18 years old and runs great. I do regular synthetic oil changes every 4500 miles. And have Toyota do routine maintenance as per owners manual. It is a 4 speed Automatic with all safety features that are important. I plan on keeping another 18 years if it keeps going.

Vehicle information

Ext. color: Radiant Red
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 28-34
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 9102
VIN: 2T1KR32E65C428094

Features

Convenience: Keyless Entry
Entertainment: CD Player
Safety: Backup Camera

Reviews

2005 Toyota Matrix XR review

My Lady Bug 🐞!

Have had my 2005 Matrix for a couple of years and let me tell you she's a rider. My Lady bug 🐞 gets me where I need to go. Easy parking and less time at the pump. Would totally keep til the wheels fall off in at 200k+ miles.

Vehicle information

Ext. color: Super White
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-31
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 076213
VIN: 2T1KU40E69C076213

Features

Entertainment: CD Player
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Brake Assist

Reviews

2009 Toyota Matrix S review

Hidden gem hatchback

Very great car, reliable, roomy, practical, sporty, specially if u get s or xrs 2.4 l engine. No power steering fluid, this model is electronic power steering.😎 got 2007 xr 1.8 and 2009 s 2.4

Vehicle information

Ext. color: Gray
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: 5-Speed Automatic
Engine: 2.4L I4 16V MPFI DOHC
Stock #: 18660
VIN: 2T1KE4EE5BC047832

Features

Entertainment: CD Player, Satellite Radio
Safety: Brake Assist, Stability Control

Reviews

A-1 Auto Wholesale review

Easy to work with and very friendly.

Easy to work with and very friendly. Gustavo was able to beat my banks rate. Happy Customer

2011 Toyota Matrix S review

A great car and great deal!

Got the car I've wanted for a long time. So happy with the whole experience! I would recommend this car and dealer to all my friends and family!

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: A071103
VIN: 2T1KE40E99C007464

Features

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

Reviews

Excellent Auto Center review

This is an outstanding used car dealership.

This is an outstanding used car dealership. I just cannot say enough good things about them! I have owned many cars and have dealt with many dealerships, but the owner of Excellent Motor Group is by far the very best person I have ever purchased from. He is the most knowledgeable, has the most integrity and honesty, works unbelievably hard, and is the most kind used auto dealer I have ever seen. This is what he did for me: I went down to buy a Ram Promaster cargo van. He worked very hard for me, making calls for about 3 hours to find a lender for me, but my credit wasn't good enough to qualify for the loan. So he showed me a Ford Transit cargo van he had on the lot which was a little older. I still couldn't qualify, so he dropped the price so I could qualify for the loan. Then I tried to pay the down payment with my debit card but couldn't pay the whole amount because of the limit on my card. I called my bank on the mainland to increase the limit, but it still didn't work. Then because of the time difference, my bank closed for the day and I couldn't call back. Then he let me use his computer to login to my insurance carrier's website, but I had trouble getting the lienholder's name and address to show on the insurance binder, so he sat down with me and helped me very patiently to solve the issue and get the insurance binder and my insurance cards and documents printed out. Then he drove me all the way across town to the lender's office, introduced me to the lender and explained the process, then waited for me while I set up my account and got my documents. Then even after the exhausting day, and even with my down payment only partially paid, he graciously let me to pay the remainder the next day, and he even drove me all the way back across town to my apartment. The next day he picked me up at my workplace and drove me to his lot, where I was able to finally pay the remainder of my down payment. He had already finished all of the documents and paperwork, and had also gone down to the dmv to do the temp registration. He also had done the safety and emission inspection, had the oil changed, and filled up the gas tank. Then after he had done all of this for me, he offered to hold the van at his lot until I could find a monthly parking place for it near my apartment. Then the next day after I found a monthly parking spot, I noticed that my name was slightly misspelled on a few of the documents. So I went down to his lot and he got all of the documents corrected very quickly, even while he was in the process of working with another customer. He had the keys ready plus a spare key, and the van was ready for me to drive home. And he did all of this over three days in the rain while major street work was being done right next to his lot. Wow! I recommend this dealer very very highly. I have never seen anyone so knowledgeable, so hard working, so honest and patient as him. The week I was at his lot, he sold 4 cars to customers who had purchased from him over 15 years ago, and now I understand why. When you find a dealer this good, you go back decade after decade. Outstanding.

2009 Toyota Matrix S review

relable car

This is a very clean and healthy 2009 Toyota Matrix with a clean title .137413 miles.Runs and drives really good . toyota matrix toyoota corrola

Vehicle information

Ext. color: Radiant Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-31
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I4 16V MPFI DOHC
Stock #: TR-10754
VIN: 2T1KU4EE7AC438501

Features

Entertainment: CD Player
Safety: Brake Assist, Stability Control

Reviews

Capital City Auto review

We bought my son’s first car this past weekend, and

We bought my son’s first car this past weekend, and Austen helped us out! He was great and made it a super easy process! We’d definitely go back!

2010 Toyota Matrix Base review

Super reliable car i love it.

Economic, fast, spacious, sporty, good sound system. y use it to go to the beach, the hardware store, road trips, super fun car. i have owned this car since 2013 and never a mechanical problem.

Vehicle information

Ext. color: Radiant Red
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: K4410a
VIN: 2T1KR32E97C643181

Features

Entertainment: CD Player

Reviews

Pacific Cars and Trucks review

Friday Feb.

Friday Feb. 16th, I went in on a spur of the moment to look for a car for my family. I am a single mom of toddler twins, an 8 yr that lives in Cali and a 16 yr old man child. I needed a car with plenty of space, that was reliable to get me to Cali to see my 8 yr old and that was safe for the twins. Jesse was the first to approach me! He was very kind and seemed to understand exactly what my family needed. He showed me their 2015 Ford Flex (I love flex’s so I was mostly already sold!) I took it for a test drive and decided to go for it! She was perfect for my family! I noticed by Sunday the car started to jolt. I had a feeling it was either a misfire in one of the cylinders or the tranny was slipping. By the following Tuesday morning, I went to get coffee before work and the check engine light came on. I emailed the guys there, and calmly voiced my frustration and said that I would be missing work that day to bring it back in. When I pulled back up, I was greeted by Chris and Jesse. I explained to them what had happened. Chris ran a code reader on it, sure enough it was a 4th cylinder misfire! Jesse introduced me to Thor, the mechanic next door and he said he’d get it fixed up! I was so pleased! We went over prices and what it would cost to switch it out. And it was way cheaper than going to Jiffy Lub to have it done there!! Which made me even more happier! Given Kitty (My Flex) was my only transportation, the guys decided to allow me to borrow one of their cars off the lot while Kitty was getting worked on. All of these guys, Jesse, Chris, Drew, Brad and Thor, are all such wonderful people!!! Very friendly! Very welcoming! Willing to listen to frustrations and concerns! Just amazing people!!! By midday Wednesday, Drew calls me on my lunch to inform me that Kitty was all done being worked on and she runs like new! Man, I was so excited to get off work to go pick her up! Drew also told me that they felt that with me only having the car a few days, that it wouldn’t be right to have me pay for the work. I was so shocked and surprised when he said that, I cried!!! Not only did they switch out the bad spark plug, they went ahead and replaced ALL SIX OF THEM!! WHEN I SAY THESE GUYS ARE AMAZING, THATS A HUGE UNDERSTATEMENT!!!!! I would absolutely recommend anyone and everyone to get a car from their lot!!!! They don’t treat you like you’re just another customer, they really treat you and take care of you like family!!!! My Kitty runs soooooooo amazingly!!!! From the very very deepest parts of our hearts, THANK YOU TO ALL FIVE OF YOU GUYS!!!! We sure love our Kitty and I can’t wait to take her to Cali at the end of next month!!!

2007 Toyota Matrix Base review

Major Challenges Toyota Matrix 2007 users faced

After few years of usage, the car hard start. It gives electrical issue that affect the car performance. The car usually failed to start when hot due to such impact. The car wiper sometimes work on it own. Lastly, the car consume more fuel as it aged due to usage.

Vehicle information

Ext. color: Gray
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 25-31
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 1.8L I4 16V MPFI DOHC
Stock #: 2021
VIN: 2T1KU4EE6AC422483

Features

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

Reviews

HIGH ROAD AUTOS LLC review

I traveled 2400 miles to buy a truck from them

I read the previous reviews carefully and was concerned since I was planning on flying from South Carolina to pick up a vehicle of the year and make I had been looking for. I worked primarily with Dave, he was honest and forthright on the condition of the truck. He even took extra photos of some dents the listing might not have shown. The price was very good, and though I wanted it for less, they were willing to negotiate, so we both got a good deal. Nate, the owner was easy to work with and walked me through Oregon DMV procedures since I was from South Carolina. Everything was straightforward and above board. Dave even picked me up from the airport. Nate offered to assist me with the title should there be problems with Oregon DMV processing the new title. All in all...a very good transaction. I drove the truck 2400 miles in 3 days and had absolutely NO PROBLEMS (1998 Toyota Tacoma). I would recommend this dealership if they have what you're looking for.

2010 Toyota Matrix Base review

Excellent Car for Versatile Use

I really like my Matrix-S. Using no-ethanol gasoline is recommended for optimum performance. It is able to fit 8-foot long items inside with the passenger seat folded down. I am fairly tall, so the little bit of extra bit of headroom I get with the sunroof is nice. With regular, recommended maintenance, I haven’t had any issues or breakdowns. [knock on wood] If you have a chance and if it’s the right fit, definitely pick one up.

Vehicle information

Ext. color: Super White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 5646
VIN: 2T1LE4EE6AC014891

Features

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

Reviews

Minneapolis Motorcars review

This dealership has beautiful cars.

This dealership has beautiful cars. Sam is great to work with. When I went to pick up the vehicle it looked gorgeous. It had been detailed! I highly recommend this dealership!!

2010 Toyota Matrix S review

Selling first new car I ever owned and I LOVE IT

Perfect!!!! Good Looking. Goes anywhere. Like new inside and out and engine too! Lots of care and good memories...LOVED Happy Car!! Good gas mileage. Quite.

Vehicle information

Ext. color: Black Sand Pearl
Int. color: Stone
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 636289
VIN: 2T1KR32E57C636289

Features

Entertainment: CD Player

Reviews

2007 Toyota Matrix Base review

Great Car

I have a 2007 Toyota Matrix M Theory. I bought it new. It is 0613 of 2500 made. The car has 250,591 miles. It has 4 wheel disc brakes and steering stabilizer. Easy to repair and parts are inexpensive.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-26
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 015759
VIN: 2T1LE4EE0AC015759

Features

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

Reviews

2010 Toyota Matrix S review

One of the best investments I've ever made

Overall, I'm very pleased with my vehicle. Bought it Certified Used with only 300 miles on the odo; saw it on this website. It would have been nicer if it had the optional 400 watt JBL and a sunroof, but I'm very happy it has AWD. Vehicle came with optional, All Weather Guard Package - Outside Mirrors w/Electric Remote & Heater; Rear Seat Heater Ducts. I gave the vehicle 'good,' not excellent, under Reliability because of what I thought was a premature brake wear issue; four new rotors @ 28K miles :( Gave the vehicle 'good,' not excellent under Comfort, drivers seat leg room isn't that great for a person who is 6'4"; but I've managed. An excellent under Interior Design, next to the 12v plug is a 110v household plug outlet. An excellent under Performance, the 2.4L is no slouch when it comes to merging on the interstate. Leg room in the second row is good and folds flat horizontally (if I were to take a carpenter's level, the little bubble would be in the center). Something I 'really' like about the 2009/2010 models, is that the front passenger seat folds flat. I was able to transport six (6) - two by eight foot (2 X 8ft) long, rigid foam sheets from a big box hardware store. Other than the forementioned brake issues, no problems; just turned 65K miles.

Vehicle information

Ext. color: Silver
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 29-34
Fuel type: Gasoline
Transmission: A/T
Engine: 126.0HP 1.8L 4 Cylinder Engine Gasoline Fuel
VIN: 2T1KR30E77C675209

Features

Entertainment: CD Player
Exterior: Sunroof/Moonroof

Reviews

2007 Toyota Matrix XR review

Reliable yes.!

It’s gets me from once place to another an that’s all I need. It works great for me an has a lot of space for me when everything I need has to go into the car

Vehicle information

Ext. color: Cosmic Blue Metallic
Drivetrain: Front-wheel Drive
Fuel type: Gasoline
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 2271
VIN: 2T1KR32EX5C498407

Features

Entertainment: CD Player

Reviews

2005 Toyota Matrix Base review

Most reliable car of all time

Original owners since 2004. Amazing vehicle all around, mainly for the sole reliability it provides. Pushing 470,000km without a single problem ever, this car will never let you down. Maintenance is cheap as dirt because the engine is so well made and nothing ever breaks, timing chain replaced for the first time at 450,000km which is insane. Not to mention it handles well and is quite responsive and smooth for An old car like this and the seats are pretty comfortable easy for long drives. Great on gas super cheap. Overall would definitely recommend, great car.

Vehicle information

Ext. color: Bronze
Int. color: Gray
Drivetrain: Front-wheel Drive
MPG: 28-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 72000
VIN: 2T1KR32E23C062857

Features

Entertainment: CD Player, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof

Reviews

Urban Motors Green review

Jadyn and Troy were transparent with all information and

Jadyn and Troy were transparent with all information and also friendly. I woukd Highly recommend!!

2003 Toyota Matrix Base review

Bought this car in 2003 and it is still going strong in

Bought this car in 2003 and it is still going strong in 2025 after more than 180000 miles. Lots of interior space. Outstanding reliability, never let me down in 20+ years. Needed some replacements of consumable parts: shocks, exhaust, radiator. Above all, it is still a pleasure to drive!

Vehicle information

Ext. color: Silver Streak
Int. color: Stone
Drivetrain: Front-wheel Drive
MPG: 28-34
Fuel type: Gasoline
Transmission: 4-Speed Automatic with Overdrive
Engine: 1.8L I-4 DOHC, variable valve control, regular unleaded, engine
Stock #: 47901A
VIN: 2T1KR32E56C599355

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof

Reviews

Frank's Motorcars review

Best Automotoive Experience!

Great Experience! Iconic business on PCH in Laguna Beach. Wonderful spot for all of your automotive needs! Our whole neighborhood goes to these guys, local favorite!

2006 Toyota Matrix XR review

Very Reliable Car

This car meets all of my needs. It is great for transporting large items and/or going on roadtrips. It is very reliable and has not failed me once. It is worth every penny

Vehicle information

Ext. color: Magnetic Gray Metallic
Drivetrain: Front-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: 5-Speed
Engine: 2.4L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: M019108B
VIN: 2T1KE4EE2AC036804

Features

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

Reviews

Brandon Mitsubishi review

Walking in, the new building for Brandon Mitsubishi is

Walking in, the new building for Brandon Mitsubishi is pristine. The salespeople are very knowledgeable. Vanessa was able to show me all the functions of the new app and then did a full demonstration of the EV and the dashboard. The managers and other staff I met with were truly pleasant.

Toyota Matrix prices by year

Model year Prices from Deals
2010 Toyota Matrix $4,455 8 Great deals

About the Toyota Matrix

FAQs

How much does the Toyota Matrix cost?

The Toyota Matrix price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the Matrix is $7,210, with pricing starting at $1,500.

What is the MPG of the Toyota Matrix?

The Toyota Matrix with traditional internal combustion engine offers up to 26 MPG city and 32 MPG highway for a combined rating of 29 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 Matrix?

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


What trim levels are available for the Toyota Matrix?

The Toyota Matrix is available in the following trim levels:

What model years are available for the Toyota Matrix?

Available model years for Toyota Matrix inventory range from 2003 to 2013.

*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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