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Car shopper resources

Basics

Exterior color
Black Raven
Interior color
Shale w/Cocoa Accents
Drivetrain
Front-wheel Drive
MPG
18–28

Based on EPA mileage ratings. Use for comparison purposes only. Actual mileage will vary depending on driving conditions, driving habits, vehicle maintenance, and other factors.

Fuel type
Gasoline
Transmission
Automatic
Engine
3.6L V-6 gasoline direct injection, DOHC, variable valve control
VIN
2G61M5S37H9125210
Stock #
J20115
Mileage
67,127 mi.

Features

Convenience
  • Automatic Parking
  • Cooled Seats
  • Heated Seats
  • Heated Steering Wheel
  • Keyless Entry
  • Keyless Start
  • Navigation System
  • Remote Start
Entertainment
  • Android Auto®
  • Apple CarPlay®
  • Bluetooth®
  • Satellite Radio
  • USB Port
  • WiFi Hotspot
Exterior
  • Alloy Wheels
  • Sunroof/Moonroof
Safety
  • Automatic Emergency Braking
  • Backup Camera
  • Brake Assist
  • Stability Control
Seating
  • Leather Seats
  • Memory Seat
Additional popular features:
LED Headlights, Premium Sound System, apple carplay/android auto, parking assistance, parking distance sensors
View all features

Features

These features are associated with this vehicle type. Contact the seller to confirm this specific vehicle has them.

  • 170 amps
  • 19' x 8.5' (48.3 cm x 21.6 cm) aluminum with premium painted finish
  • 2.77 final drive ratio
  • 264 lb-ft of torque [355 N-m] @ 5300 rpm)
  • 3-channel programmable
  • 3-point
  • 3.6L SIDI DOHC V6 VVT (304 hp [226 kW] @ 6800 rpm
  • DuraLife rotors
  • HiPer Strut
  • LED center high-mounted stop/brake (CHMSL)
  • LED spotlights with light pipes
  • P245/45R19 all-season
  • Passenger Sensing System
  • Solar-Ray
  • Sport
  • accidents
  • all 4 with Express-Up/Down includes rear passenger lockout
  • all seating positions with outboard comfort guides all seating positions wi…
  • antilock
  • automatic air circulation/air quality
  • blackwall
  • bodyside
  • capless
  • construction
  • disc 4-wheel
  • driver 4-way power lumbar control
  • driver and front passenger
  • driver and front passenger illuminated vanity mirrors
  • dual-mode
  • dual-outlet stainless steel through fascia design
  • dual-stage frontal
  • dual-zone automatic with individual climate settings for driver and front p…
  • electric
  • electronic
  • front
  • front Brembo
  • front and rear doors and front seatbacks
  • front passenger 4-way power lumbar control
  • front passenger seat (Always use safety belts and child restraints. Childre…
  • front-wheel drive
  • head curtain and seat side impact for outboard rear passengers (Always use …
  • heated rear outboard seating positions
  • high intensity discharge Xenon
  • illuminated entry and courtesy
  • illuminating
  • independent linked H-arm
  • inside rearview auto-dimming
  • knee and head curtain side impact for driver and front passenger
  • laminated front-side
  • leather-wrapped with wood (Not available with interior color (AFF) Kona Bro…
  • light-tinted
  • lockable
  • maintenance free with rundown protection
  • mirrors
  • outside mirrors and power tilt and telescoping steering column
  • parking
  • power
  • power tilt and telescoping
  • power windows
  • rear
  • rear 60/40 split-folding
  • rear air springs
  • rear child security
  • road closures and more
  • roof-mounted
  • see www.siriusxm.com/navtraffic.)
  • side impact
  • streaming audio for music and select phones
  • sunroof and climate control remain operational after ignition is switched o…
  • the subscription plan you choose will automatically renew thereafter and yo…
  • theft-deterrent
  • trunk
  • upper and lower auxiliary
  • variable assist
  • warning messages and vehicle information
  • windshield wiper-activated with Twilight Sentinel and night-time flash-to-p…
  • with lockable rear pass-through
  • you will get to your destination faster and more easily than ever before. (…
  • 12V power outlets 3 12V power outlets
  • 3-point seatbelt Rear seat center 3-point seatbelt
  • 3.6L SIDI DOHC V6 VVT Engine
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • Accessory power Retained accessory power
  • Active noise cancellation
  • Adaptive Remote Start
  • Air bag
  • Air bags
  • Air conditioning Yes
  • All-in-one key All-in-one remote fob and ignition key
  • Alternator
  • Alternator Type Alternator
  • Amplifier
  • Android Auto
  • Antenna
  • Antenna Diversity antenna
  • Antenna Integrated roof audio antenna
  • Apple CarPlay
  • Armrests front center Front seat center armrest
  • Armrests front storage Front seat armrest storage
  • Armrests rear Rear seat center armrest with trunk pass-thru
  • Armrests rear storage Rear seat center armrest storage
  • Audio theft deterrent TheftLock audio system theft deterrent
  • Auto door locks Auto-locking doors
  • Auto headlights Twilight Sentinel auto on/off headlight control
  • Auto tilt steering wheel Auto tilt-away steering wheel
  • Auto-dimming door mirror driver Auto-dimming driver side mirror
  • Auto-dimming door mirror passenger Auto-dimming passenger side mirror
  • Automatic Emergency Braking
  • Automatic Parking Assist includes parallel and perpendicular parking assist …
  • Automatic level control
  • Automatic vehicle parking
  • Aux input jack Auxiliary input jack
  • Axle
  • Backup Camera
  • Basic warranty 48 month/50,000 miles
  • Battery
  • Battery charge warning
  • Battery run down protection
  • Battery type Lead acid battery
  • Beverage holders Front beverage holders
  • Beverage holders rear Rear beverage holders
  • Bluetooth for phone
  • Body panels Galvanized steel/aluminum body panels with side impact beams
  • Bodyside moldings Chrome bodyside moldings
  • Brake
  • Brake assist system
  • Brake type Brembo 4-wheel disc brakes
  • Brakes
  • Bulb warning Bulb failure warning
  • Bumper insert Chrome rear bumper insert
  • Bumpers front Body-colored front bumper
  • Bumpers rear Body-colored rear bumper
  • Cabin air filter
  • Capless fuel filler
  • Cargo access Power cargo area access release
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Cargo net
  • Child door locks Power rear child safety door locks
  • Climate control
  • Climate control Automatic climate control
  • Clock Digital clock
  • Compass
  • Concealed cargo storage Cargo area concealed storage
  • Console insert material Genuine wood console insert
  • Convenience net
  • Cooled Driver Seat
  • Cooled Passenger Seat
  • Cooled front seats Ventilated driver and front passenger seats
  • Corrosion perforation warranty 72 month/unlimited
  • Cruise control Cruise control with steering wheel mounted controls
  • Cylinder head material Aluminum cylinder head
  • Day/Night rearview mirror
  • Daytime Running Lamps
  • Delay off headlights Delay-off headlights
  • Digital signal processor
  • Door ajar warning Rear cargo area ajar warning
  • Door bins front Driver and passenger door bins
  • Door bins rear Rear door bins
  • Door handle material Chrome door handles
  • Door handles
  • Door locks
  • Door locks Power door locks with 2 stage unlocking
  • Door mirror style Body-colored door mirrors
  • Door mirror type Standard style side mirrors
  • Door mirror with tilt-down in reverse Power driver and passenger door mirror…
  • Door panel insert Genuine wood and metal-look door panel insert
  • Door trim insert Leatherette door trim insert
  • Drive type Front-wheel drive
  • Driver Information Center includes driver personalization
  • Driver foot rest
  • Driver information center
  • Driver lumbar Driver seat with 4-way power lumbar
  • Driver memory recalls 2 'presets' for 8-way power driver seat
  • Driver seat direction Driver seat with 8-way directional controls
  • Drivetrain
  • Dual Climate Control
  • Dual-zone front climate control
  • Electronic parking brake
  • Electronic stability control StabiliTrak electronic stability control system…
  • Emergency SOS Capable OnStar Guidance vehicle integrated emergency SOS syste…
  • Emissions ULEV II emissions
  • Emissions tiers Tier 2 Bin 5 emissions
  • Engine
  • Engine 3.6L V-6 gasoline direct injection, DOHC, variable valve control, reg…
  • Engine Cylinders V6
  • Engine Location Front mounted engine
  • Engine Mounting direction Transverse mounted engine
  • Engine block material Aluminum engine block
  • Engine temperature warning
  • Engine/electric motor temperature gauge
  • Equalizer Automatic audio equalizer
  • Exhaust
  • External memory Cadillac CUE external memory control
  • First-row windows Power first-row windows
  • Floor console Full floor console
  • Floor console storage Covered floor console storage
  • Floor coverage Full floor coverage
  • Floor covering Full carpet floor covering
  • Floor mats Carpet front and rear floor mats
  • Fob engine controls EZ Key with hands-free access and push button start
  • Folding door mirrors Power folding door mirrors
  • Folding rear seats 60-40 folding rear seats
  • Front anti-roll Front anti-roll bar
  • Front head restraint control Manual front seat head restraint control
  • Front head restraints Height and tilt adjustable front seat head restraints
  • Front impact airbag driver Driver front impact airbag
  • Front impact airbag passenger Passenger front impact airbag
  • Front passenger lumbar Front passenger seat with 4-way power lumbar
  • Front reading lights
  • Front seat upholstery Leather front seat upholstery
  • Front seatback upholstery Leatherette front seatback upholstery
  • Front side impact airbag driver Seat mounted side impact driver airbag
  • Front side impact airbag passenger Seat mounted side impact front passenger …
  • Fuel Type Regular Unleaded
  • Fuel door lock Power fuel door lock
  • Fueling system
  • Garage door opener
  • Gauge cluster includes color Driver Information Center
  • Gearshifter material Leather and genuine wood gear shifter material
  • Glass
  • Glove box Illuminated locking glove box
  • Glovebox
  • Grille
  • Grille style Chrome grille
  • HID Headlights
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Head restraints
  • Headlamps
  • Headlight type Projector beam headlights
  • Headlights High-intensity discharge low and high beam headlights
  • Headlights on reminder
  • Headliner coverage Full headliner coverage
  • Headliner material Cloth headliner material
  • Heated Seats
  • Heated Steering Wheel
  • Heated door mirrors Heated driver and passenger side door mirrors
  • Heated front seats Heated driver and front passenger seats
  • Heated rear seats
  • Heated steering wheel
  • Height adjustable seatbelts Front height adjustable seatbelts
  • High mount stop light High mounted center stop light
  • Ignition Spark ignition system
  • Illuminated entry
  • Illuminated glove box
  • Illuminated ignition switch
  • Immobilizer
  • Instrumentation display Analog instrumentation display
  • Integrated navigation Integrated navigation system with voice activation
  • Interior accents Metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Internet access OnStar 4G LTE mobile hotspot internet access
  • Key in vehicle warning
  • Keyfob cargo controls Keyfob trunk control
  • Keyfob keyless entry
  • Keyfob remote start
  • Keyless Entry
  • Keyless Start
  • Knee airbag Driver and passenger side knee airbag
  • LED brake lights
  • Laminated window Laminated side window glass
  • Lamp
  • Leather Seating Surfaces
  • Leather Seats
  • Lighting
  • Lighting accent
  • Lock-up transmission
  • Low level warnings Low level warning for oil, coolant, fuel, washer fluid an…
  • Low tire pressure warning Tire specific low air pressure warning
  • Magnetic Ride Control
  • Maintenance warranty 36 month/36,000 miles
  • Map pockets
  • Memory Seat
  • Memory settings Memory settings include: door mirrors and steering wheel
  • Mirror
  • Moldings
  • NavTraffic Avoid congestion before you reach it by enhancing your vehicle's …
  • Navigation System
  • Noise cancellation Active noise cancellation
  • Number of airbags 10 airbags
  • Number of door entry light(s) 4 door entry light(s)
  • Number of doors 4 doors
  • Number of first-row screens 2 total number of 1st row displays
  • Number of memory settings 2 memory settings
  • Occupancy sensor Airbag occupancy sensor
  • Oil pressure warning
  • One-touch down window Front and rear one-touch down windows
  • One-touch up window Front and rear one-touch up windows
  • Overdrive transmission
  • Overhead airbags Curtain first and second-row overhead airbags
  • Paint Non-metallic paint
  • Panel insert Genuine wood instrument panel insert
  • Parking Assist
  • Parking sensors Front and rear parking sensors
  • Passenger doors rear left Conventional left rear passenger door
  • Passenger doors rear right Conventional right rear passenger door
  • Passenger seat direction Front passenger seat with 8-way directional control…
  • Perimeter approach lighting Remote activated perimeter approach lighting
  • Power Driver Seat
  • Power driver seat controls Driver seat power reclining, lumbar support, cush…
  • Power passenger seat controls Passenger seat power reclining, lumbar support…
  • Powertrain type ICE
  • Powertrain warranty 72 month/70,000 miles
  • Primary display size 12.3 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/digital/SiriusXMsatellite
  • Rain Sensing Front Wipers
  • Rain detecting wipers Rainsense rain detecting wipers
  • Real time traffic SiriusXM NavTraffic real-time traffic
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear anti-roll Rear anti-roll bar
  • Rear camera Rear mounted camera
  • Rear cargo door Trunk
  • Rear console climate control ducts
  • Rear head restraint control 2 rear seat head restraints
  • Rear head restraint control Manual rear seat head restraint control
  • Rear head restraints Height adjustable rear seat head restraints
  • Rear reading lights
  • Rear seat direction Front facing rear seat
  • Rear seat folding position Fold forward rear seatback
  • Rear seat upholstery Leather rear seat upholstery
  • Rear seatback upholstery Carpet rear seatback upholstery
  • Rear seats Rear bench seat
  • Rear seats fixed or removable Fixed rear seats
  • Rear side impact airbag Rear side impact airbags
  • Rear under seat ducts Rear under seat climate control ducts
  • Rear window defroster
  • Rear windshield Fixed rear windshield
  • Rearview mirror Auto-dimming rear view mirror
  • Remote panic alarm
  • Restricted driving mode/alerts Teen Driver restricted driving mode/alerts
  • Retained accessory power audio system
  • Roadside warranty 72 month/70,000 miles
  • Running lights Daytime running lights
  • Safety belts
  • Satellite trial 3 month satellite trial subscription
  • Seat
  • Seat adjuster
  • Seatback storage pockets 2 seatback storage pockets
  • Seatbelt pretensioners Front seatbelt pretensioners
  • Seatbelt pretensioners number 2 seatbelt pre-tensioners
  • Seating capacity 5
  • Seats
  • Second-row windows Power second-row windows
  • Security system
  • Seek scan
  • Sensor
  • Sequential shift control Sequential shift with steering wheel controls
  • Service interval warning Service interval indicator
  • Shift lever
  • Shock absorbers Magnetorheological shock absorbers
  • Smart device integration Apple CarPlay/Android Auto smart device mirroring
  • Speakers Bose speakers
  • Speakers number 8 speakers
  • Special paint Monotone paint
  • Speed sensitive steering Speed sensitive power steering
  • Speed sensitive volume
  • Speedometer Redundant digital speedometer
  • Split front seats Bucket front seats
  • Spoiler Rear lip spoiler
  • Springs front Front coil springs
  • Springs rear Rear air springs
  • Stability Control
  • Steering
  • Steering Electric power-assist steering system
  • Steering column
  • Steering mounted audio control Steering wheel mounted audio controls
  • Steering type Rack-pinion steering
  • Steering wheel material Leather and genuine wood steering wheel
  • Steering wheel telescopic Power telescopic steering wheel
  • Steering wheel tilt Power tilting steering wheel
  • Sun visor strip
  • Sunroof/Moonroof
  • Suspension
  • Suspension Standard ride suspension
  • Suspension auto correcting Adaptive ride suspension
  • Suspension auto-leveling Auto-leveling rear suspension
  • Suspension control Magnetic Ride Control
  • Suspension ride type front Independent front suspension
  • Suspension ride type rear Independent rear suspension
  • Suspension type front Strut front suspension
  • Suspension type rear Multi-link rear suspension
  • Tachometer
  • Tailpipe Stainless steel quasi-dual exhaust with chrome tailpipe finisher
  • Temperature display Exterior temperature display
  • Tinted windows Light tinted windows
  • Tire Inflator Kit
  • Tire mobility kit
  • Tire pressure monitoring system
  • Tires
  • Tires P245/45VR19 AS BSW front and rear tires
  • Traction Control
  • Traction control All-speed ABS and driveline traction control
  • Transmission 6-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission fluid temperature warning Transmission fluid temp warning
  • Trip computer
  • Trip odometer
  • Trunk lid trim Carpet trunk lid trim
  • Trunk release
  • Turn signal in door mirrors Turn signal indicator in door mirrors
  • Turn signal warning Turn signal on warning
  • Turn-by-turn nav OnStar Turn-by-Turn Navigation
  • USB Port
  • USB ports 3 USB ports
  • Universal Home Remote includes garage door opener
  • Valet key
  • Variable intake manifold
  • Variable panel light Variable instrument panel light
  • Vehicle tracker OnStar Guidance vehicle tracker with vehicle slowdown
  • Ventilated brakes Front and rear ventilated disc brakes
  • Visor driver mirror Driver visor mirror
  • Visor illuminated driver mirror Illuminated driver visor mirror
  • Visor illuminated passenger mirror Illuminated passenger visor mirror
  • Visor passenger mirror Passenger visor mirror
  • Visors
  • Voice activated audio Cadillac CUE voice activated audio controls
  • Voltmeter
  • WIFI Hotspot
  • Wheels
  • Wheels 19 x 8.5-inch front and rear painted aluminum wheels
  • Window Trim Chrome side window trim
  • Windows
  • Wipers Variable intermittent front windshield wipers
  • Wireless Charging
  • Wireless device charging Front wireless smart device charging
  • Wireless streaming Bluetooth wireless audio streaming

Vehicle history by CARFAX

Accidents or damage
At least 1 accident or damage reported
1-owner vehicle
No
Personal use only
No
The vehicle history information is supplied by third parties. Cars.com and the Seller are not responsible for the accuracy of such information. Cars.com provides this service and materials without representations or warranties of any kind, either expressed or implied. Please see Cars.com Terms and Conditions for further information.

Seller’s info

Shaver Preferred Motors

(138 reviews)
5701 Broadway, Merriville, IN 46410

Seller’s notes about this car

This 2017 Cadillac XTS Luxury, has a BLACK exterior and a interior. Please call us at 219-235-8687 and reference stock number J20115 for further details. WHY THIS VEHICLE?Luxury Package 1SB
  • Upper and Lower Auxiliary Daytime Running Lamps
  • Dual-Outlet Stainless-Steel Exhaust
  • Leather-Wrapped Steering Wheel
  • Automatic Parking Assist
Convenience
  • Cruise control maintains a preset vehicle speed; automatically increasing or decreasing throttle to maintain that speed.
Safety and Security
  • The vehicle is equipped with a camera that displays an image of the area behind the vehicle on an interior display.
  • Brake assist senses panic braking from the speed of the brake pedal's travel and applies all available power brake boost.
Technology and Telematics
  • Without the need for a manufacturer specific app to be installed on the smart device, the vehicle infotainment system can access and control functions of a smart device physically plugged-into the vehicle.
  • Mobile devices can wirelessly connect to the internet through the vehicle's private mobile network.
OTHER NOTABLE FEATURES AND OPTIONS YOU SHOULD KNOW ABOUT: If you decide to speak with one of our knowledgeable associates - please reference this Stock number J20115. Connect with us now by calling 219-235-8687.OTHER NOTABLE FEATURES YOU SHOULD KNOW ABOUT:This Cadillac has gone through our service process - You can request the full inspection at anytime. WHY CHOOSE SHAVER PREFERRED MOTORS?A+ ACCREDITED BUSINESS WITH THE BETTER BUSINESS BUREAUINDIANA INDEPENDENT QUALITY DEALER OF THE YEAR AWARD WINNERMULTIPLE RECIPIENT OF THE POST TRIBUNE'S NEIGHBOR'S CHOICE AWARDShaver Preferred Motors offers only the very best used cars, trucks and SUVs in the Merrillville area. Give us a call at 219-981-9333, or stop by and visit us at 5701 Broadway, Merrillville, IN 46410.
For more information on any of our vehicles please call 877-226-3143. For more inventory and photos, please visit our website at www.shavercars.com

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*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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Consumer reviews

See what others are saying about the 2017 Cadillac XTS.
(56 reviews)
Rating breakdown (out of 5):
  • Comfort 4.7
  • Interior 4.5
  • Performance 4.6
  • Value 4.5
  • Exterior 4.7
  • Reliability 4.6

Most recent consumer reviews

Outstanding

Best car I ever owned. Extremely reliable, very comfortable. Every time I think about upgrading, I look at it and say why….lol it’s that good. Highly recommend this automobile.

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
  • Purchased a Used car
  • Used for Transporting family
  • Does recommend this car
4 people out of 4 found this review helpful. Did you?
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Cadillac got this one right...

I bought this car in July 2020 w/30M...it was a rental rocket in EXCELLENT condition...tires were 8/32 so had recently been replaced before I purchased...the only repairs I've needed to do were both common with the XTS - had to replace that worthless CUE system because it froze and wouldn't respond to the DIY reset...also had spider web in the glass, another common defect...had leaks in the rear shocks, another known issue with the XTS...other than those 2 things this car has been amazing...the best Cadillac I've owned and this is my 12th one...I've been driving Cadillacs most of my adult life and this by far the best one, to the point I don't even mind having to replace the 2 items I mentioned...currently have 67M and only had to change the oil and rotate the tires

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
  • Purchased a Used car
  • Used for Commuting
  • Does recommend this car
25 people out of 26 found this review helpful. Did you?
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awesome & Great Vehicle

Very stylish , My family & freinds enjoy traveling in my comfortable classy vehicle. We have owned it for several years now and love it . Cadillac is a name that I trust plus most parts are American made . It’s been good so far . oh and it had great pic up .

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
  • Purchased a Used car
  • Used for Having fun
  • Does recommend this car
15 people out of 15 found this review helpful. Did you?
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See all 56 consumer reviews

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Dealer Disclaimer: Our No Haggle Prices DO NOT include tax, title, license fees, and dealer documentation fee of $245.00 and dealer installed options ($399 LoJack Benefits + Wheel Locks for $399) . It is the customer’s sole responsibility to verify the existence and condition of any equipment listed. Neither the dealership nor DealerOn is responsible for misprints on prices of equipment. It is the customer’s sole responsibility to verify the accuracy of the prices with the dealer. Pricing subject to change without notice.

Cars.com Disclaimer: The information on vehicles provided in this service is supplied by the seller or other third parties; Cars.com is not responsible for the accuracy of such information. Cars.com provides this service and materials without representations or warranties of any kind, either expressed or implied. Click here for more details.

Bluetooth® is a registered mark of Bluetooth® SIG, Inc. Android Auto™ is a trademark of Google LLC. Apple CarPlay® is a registered trademark of Apple Inc. Burmester is a registered trademark of Burmester Audiosysteme GmbH, Berlin, Germany.

*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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