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Used Toyota RAV4 for sale near Geneva, IL

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226 matches 30 miles from 60134
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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: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-iE varia
Stock #: 65954A
VIN: 2T3A1RFV8KW074788

Features

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

Reviews

Elgin Toyota review

It was a slow process but the sales team was able to come

It was a slow process but the sales team was able to come to an agreement with me and my wife. I told them it was not simply matter of getting the best deal we could, but that we flexed as much as possible and that the dealership had to adjust to meet our financial parameters which they did. Otherwise we would not have been able to leave with the vehicle.

2019 Toyota RAV4 XLE Premium review

Easy SUV to drive and own.

I’ve had this SUV for 1 1/2 years. I love it! Is is fun and easy to drive. It is comfortable and has adequate space for 4 passengers. We sometimes haul 5, but the backseat gets tight for that. Mine is getting approximately 29 mpg on midgrade fuel. Love the pushbutton start, lane keep assist, blind spot monitor, controls on steering wheel, rear hatch open and shut buttons, hands free talk, and huge display screen. Toyota could do better with the door handle touch to lock and unlock. Mine don’t work as well as expected. It also has a very annoying ding to warn when the roads may be icy that we apparently cannot turn off. I gave 4 stars instead of 5 on performance due to acceleration rate. It makes big noise like it’s going somewhere, but doesn’t really accelerate exceptionally well. It also shifts oddly sometimes. I notice it mostly when you slow down, but don’t stop ( think yield sign). It will jerk pretty hard when you accelerate from low speed. Overall it is a great little SUV with many bells and whistles for it’s price point. It feels very safe and reliable.

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: 14277A
VIN: 2T3BFREV7EW202255

Features

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

Reviews

Hopkins Ford of Elgin review

Awesome service department

Josh from service is awesome he took my daughter’s car in The service department and told us the problem thank you Ernie Beck. Have a great day

2014 Toyota RAV4 LE review

rav4 very gud

Overall, the RAV4 is a great car for commuting, families of four, and space. The RAV4 is the best when it comes to reliability. The RAV4 is very spacious in the second row and the trunk and the car offers comfortable seats. The RAV4 gets okay fuel economy but it does do decent in the snow. However there are some things that it lacks. The RAV4's navigation system is very frustrating to use, just use google maps instead. The RAV4's interior quality is not that great either, there are tons of fake buttons and plastic throughout the interior, but no one who buys a RAV4 cares about the interior. The RAV4 has decent styling, but it is not as stylish as the Mazda CX-5. The RAV4 only has 1 engine option, but does not feel underpowered. The RAV4 also doesn't have a very quiet or comfortable ride. Even though the seats are comfortable, the ride is loud and the inside rattles frequently. If you don't care about luxury and want a practical, reliable car, the RAV4 is perfect.

Vehicle information

Ext. color: White
Drivetrain: All-wheel Drive
MPG: 25-33
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.5L I4 16V PDI DOHC
Stock #: P2818
VIN: 2T3N1RFV2MW224043

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Elgin Volkswagen review

Good customer service very knowledgeable and helpful I

Good customer service very knowledgeable and helpful I would recommend them to all of family and friends

2021 Toyota RAV4 Limited review

I purchased this vehicle used from the Dealer The

I purchased this vehicle used from the Dealer The vehicle runs very smooth very economical on fuel Holds its value I recommend this vehicle to everyone

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Gray
Drivetrain: Four-wheel Drive
Fuel type: Gasoline
Transmission: Manual
Engine: 3.5L V-6 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: T2028
VIN: JTMRK4DV0A5097896

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

Driven Auto of Dundee review

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

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

2010 Toyota RAV4 Sport review

Hate steel wheels/plastic hubcaps! But dependable

Love everything about my rav with the exception of steel wheels, plain drab interior and no electric or heated seats! Mileage could be better as well!

Vehicle information

Ext. color: White
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91712
VIN: 2T3H1RFV3RW327251

Features

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

Reviews

Lombard Toyota review

Wonderful!

Luis Cruz sold me a pre-owned Rav today. I appreciated his knowledge of cars and his kind, patient demeanor. Thank you for helping me, Luis!

2024 Toyota RAV4 LE review

I went from a corolla cross le gas model to a rav 4

I went from a corolla cross le gas model to a rav 4 hybrid le and there is a major difference in the size and road noise. I love the gas mileage in the rav 4 hybrid. The cabin is very quiet in the rav 4 hybrid. I am glad to recommend the rav 4 hybrid over the corolla cross le gas model.

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91724
VIN: 2T3F1RFVXSW584582

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Lombard Toyota review

Larry was great!

Larry was Great! Awesome experience. In and out timingPlease buy your car from here. Couldn’t hvae asked for a better salesman to deal with amazing

2025 Toyota RAV4 LE review

Our 2nd RAV4 (since 2014) was purchased brand new from

Our 2nd RAV4 (since 2014) was purchased brand new from Cobb Co Toyota only 3 weeks ago and I’m very pleased with this loaded 2025 xle premium build quality, comfort, tech features and drivability thus far. Looking forward to many years of pleasant ownership of experience and reliability with this vehicle.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91659
VIN: 2T3F1RFV5SW572436

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Lombard Toyota review

Bought a car in a day

I needed to purchase a car due to an accident that was not my fault. A stressful situation already. Sultan Matariyeh was very helpful at comparing the options, matching them to my needs, and showing me all the features that were foreign to me. I highly recomend him as a saleperson at the Lombard Toyota.

2025 Toyota RAV4 LE review

Excellent car, excellent service.

Excellent car, excellent service. I have a custom built RAV4 Limited so I paid a bit more than the MSRP for a standard RAV4 but it was worth every cent. This is my first SUV and my third Toyota. I really can’t say enough good things about it. It’s about the same size as most compact SUVs but it has plenty of room inside and is quite comfortable. The features are unreal. It does everything except drive itself but it will stop itself if you’re about to hit something. :) I’ve only had it about a month but based on my other Toyotas I hope I’ll have this one years to come. I gave my 2003 Camry to a friend and it is still running!

Vehicle information

Ext. color: Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91725
VIN: 2T3P1RFV6SW585099

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Lombard Toyota review

Buy from Wesley Radford

Purchased a new Avalon from them today. Wesley Radford was my sales rep and the entire process was an extremely pleasant experience. Wesley was patient with me and did not give any hard sell tactics. There was a slight glitch due to my misreading some info and Wesley rectified everything to my great satisfaction. Everyone else in the process was polite and helpful. Lombard Toyota is the place to go and Wesley is the guy to ask for.

2025 Toyota RAV4 XLE review

This is my third RAV4.

This is my third RAV4. I like the comfort of it and the smooth ride. It's a hybrid and gas mileage has been excellent. I would recommend it.

Vehicle information

Ext. color: Silver
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91723
VIN: 2T3F1RFV0SW583859

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

Lombard Toyota review

Lombard Toyota was such a great experience!

Lombard Toyota was such a great experience! They were patient and a pleasure to work with.

Vehicle information

Ext. color: Gray
Int. color: Ash
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Regular Unleaded I-4 2.5 L/152
Stock #: 91726
VIN: 2T3P1RFV6SW585653

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Vehicle information

Ext. color: Super White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: PJ3821A
VIN: 2T3DFREV2FW298208

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, CD Player, Premium Sound System, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Memory Seat

Reviews

INFINITI of Hoffman Estates review

Alec went above and beyond to make a deal work, no hard

Alec went above and beyond to make a deal work, no hard sell, easy to work with,

2015 Toyota RAV4 Limited review

Bought used in 2018.

Bought used in 2018. Car has been incredibly reliable. Besides one brake job, one set of tires, and one battery I have not done anything except oil changes. Not even a taillight.

Vehicle information

Ext. color: White
Drivetrain: All-wheel Drive
MPG: 22-28
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: B47069A
VIN: 2T3RFREV6JW806226

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Haggerty Buick GMC Inc review

Great purchase experience

The Team that my husband and I worked with Dillon, Tim & Dan, were all very helpful and courteous. We had a certain price point and they managed to get us very close to where we needed to be AND we got the car we really wanted. Buying process was seamless, communication was great, and customer service was wonderful. This was our second purchase with Haggerty and we highly recommend!! Thank you

2018 Toyota RAV4 XLE review

2018 Rav4 was totaled by someone who ran a stop sign.

2018 Rav4 was totaled by someone who ran a stop sign. Miss this car every day. Every single airbag went off and me and the other passenger were safe and able to walk away alive. Thankful for this car.

Vehicle information

Ext. color: Black
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 21-27
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.4L I4 16V MPFI DOHC
Stock #: SK4564A
VIN: JTMZD32VX86072287

Features

Convenience: Keyless Entry
Entertainment: CD Player
Exterior: Alloy Wheels, Roof Rack
Safety: Brake Assist, Stability Control

Reviews

Schaumburg Kia review

Excellent service, very knowledgeable of any questions I

Excellent service, very knowledgeable of any questions I may have. Always friendly and a pleasure when in the waiting area. Clean environment since I usually do work when I come in. Thank you to the Kia Team

2008 Toyota RAV4 Sport review

It’s a tank.

It’s a tank. So far V6 has been solid no issues with oil burn. Have been doing regular oil changes. Just recently replaced both front control arms due to worn out bushings. No other issues car has 160 K.

Vehicle information

Ext. color: Midnight Black Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 27-33
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: P1430
VIN: 2T3P1RFV2RC455851

Features

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

Reviews

Zeigler Chevrolet review

Ted was very personable and informative.

Ted was very personable and informative. I enjoyed meeting with him and purchasing my first Zeigler vehicle.

2024 Toyota RAV4 XLE review

I went from a corolla cross le gas model to a rav 4

I went from a corolla cross le gas model to a rav 4 hybrid le and there is a major difference in the size and road noise. I love the gas mileage in the rav 4 hybrid. The cabin is very quiet in the rav 4 hybrid. I am glad to recommend the rav 4 hybrid over the corolla cross le gas model.

Vehicle information

Ext. color: Classic Silver Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I4 16V MPFI DOHC
Stock #: Q38113A
VIN: JTMBFREV0ED086393

Features

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

Reviews

Rosen Hyundai of Algonquin review

Great personalized experience, in a tough market.

My experience was Great. My sales associate was very helpful, he spent extra time to satisfy my needs for a new car. 5 star everything here!

2014 Toyota RAV4 LE review

Very Reliable!!

I absolutely am in love with my Rav! The gas mileage is great! I have owned my Rav for years! I just turned over 100000 miles on it. I have not had any big problems with it at all! They don't make cars like this anymore! My RAV is so very reliable! It also does super great in the snow as well!

Vehicle information

Ext. color: Pyrite Mica
Int. color: Latte
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: D3123A
VIN: 2T3DFREV8FW277217

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, CD Player, Premium Sound System, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Memory Seat

Reviews

McGrath Lexus of Westmont review

Fair offer for used car and easy process to purchase new

Fair offer for used car and easy process to purchase new car. Good experience all around.

2015 Toyota RAV4 Limited review

A lot of the other reviews go over build quality,

A lot of the other reviews go over build quality, features, comfort, etc.. Briefly I will say after being in this car for almost 9 years: the car (especially the XLE/sport model) is on the stiffer side and can be harsh. The upside is that it feels incredibly planted and there is minimal body roll. It is easy fun to take on windy roads with the "Sport" setting, which further tightens the ride. Road noise is not the best. Wind and tire noise is om the louder side. Materials are nothing super premium in the XLE, but the interior is built like a tank and has held up well. No electrical issues. The engine and transmission are fantastic. The small 4 cylinder makes the car sporty with 187 HP and it is also silent. It has a pleasant sound when accelarating and you hardly hear it. The transmission is a 6 speed, but is overall good. Smooth shifting in both sport and city driving. Reliability-wise this car has been absolutely fantastic. The car has been lazily maintained and is currently at 220,000 miles. It still drives and shifts very smoothly. This car is a sportier crossover. It is a good choice for somebody who wants more sport compared to say a CRV. It is and has been proven to be reliable though.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: 12434P
VIN: 2T3K1RFV9SW406872

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

McGrath Elmhurst Toyota review

Great place

We had a great experience buying a used car from Elmhurst Toyota. They had a very good selection of cars and Aleks was fantastic to work with.

Vehicle information

Ext. color: Wind Chill Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: 12588P
VIN: 2T3C1RFV2SW416714

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Power Liftgate, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

McGrath Elmhurst Toyota review

Excellent Service & Great Car Purchase Experience

Kelvin was great to work with. He was patient as I reviewed different options for my vehicle purchase, and he had the car detailed and ready to go! It was a pleasure working with McGrath Toyota.

Vehicle information

Ext. color: Midnight Black Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: 12424P
VIN: 2T3H1RFV3SC336541

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control

Reviews

McGrath Elmhurst Toyota review

Great Experience - See Steven!

Steven Salidas made the process smooth and easy. He took the time to go over different cars and options. From finding a car to finalizing the purchase, McGrath make the best of my experience

Vehicle information

Ext. color: Midnight Black Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: 12443P
VIN: 2T3W1RFVXSC338665

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

McGrath Elmhurst Toyota review

Extremely efficient, polite answered all my questions

Extremely efficient, polite answered all my questions actually took very good care of me Steven and Casey were wonderful

Toyota RAV4 prices by year

Model year Prices from Deals
2025 Toyota RAV4 $28,988 4 Good deals
2024 Toyota RAV4 $26,772 18 Good deals
2023 Toyota RAV4 $27,698 9 Good deals
2022 Toyota RAV4 $20,995 12 Good deals
2021 Toyota RAV4 $19,490 6 Good deals
2019 Toyota RAV4 $15,766 4 Good deals
2015 Toyota RAV4 $9,277 12 Good deals

*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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