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Basics

Exterior color
Gray
Interior color
Black
Drivetrain
All-wheel Drive
MPG
26–34

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, 8-Spd
Engine
Gamma-II 1.6L I-4 gasoline direct injection, DOHC, CVVD variable
VIN
5XXG64J2XMG081453
Stock #
MG081453
Mileage
88,587 mi.

Features

Convenience
  • Adaptive Cruise Control
  • Heated Seats
  • Heated Steering Wheel
  • Keyless Entry
  • Keyless Start
  • Navigation System
  • Remote Start
Entertainment
  • Android Auto®
  • Apple CarPlay®
  • Bluetooth®
  • CD Player
  • DVD Player
  • HomeLink
  • Premium Sound System
  • Satellite Radio
  • USB Port
  • WiFi Hotspot
Exterior
  • Alloy Wheels
  • Roof Rack
  • Sunroof/Moonroof
  • Tow Hitch
  • Tow Hooks
Safety
  • Automatic Emergency Braking
  • Backup Camera
  • Blind Spot Monitor
  • Brake Assist
  • LED Headlights
  • Lane Departure Warning
  • Rear Cross Traffic Alert
  • Stability Control
Seating
  • Memory Seat
  • Third Row Seating
View all features

Features

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

  • 1.6L Turbo GDI I-4 Engine
  • 115V Power Outlet
  • 12V power outlets 1 12V power outlet
  • 12v Power Outlet
  • 2 Hi-Back Bucket Seats
  • 3-point seatbelt Rear seat center 3-point seatbelt
  • 3rd Row Seating
  • 4-Cyl Turbo 1.6 Liter
  • 4WD type Automatic full-time AWD
  • ABS (4-Wheel)
  • ABS Brakes
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • AM/FM
  • AM/FM/HD Radio
  • AWD
  • Accent Stripes
  • Accessory power Retained accessory power
  • Adaptive Cruise Control
  • Adaptive cruise control Smart Cruise Control with Stop & Go (SCC w/S&G)
  • Adaptive headlights
  • Adjustable Ride Control
  • Air Conditioned Seats
  • Air Conditioning
  • Air Suspension
  • Air conditioning Yes
  • Alarm System
  • All Weather Floor Mats
  • All Wheel Drive
  • All-in-one key All-in-one remote fob and ignition key
  • Alloy Wheels
  • Alternator Type Alternator
  • Aluminum Box
  • Android Auto
  • Antenna Window grid audio antenna
  • Anti-Theft
  • Apple CarPlay
  • Armrests front center Front seat center armrest
  • Armrests rear Rear seat center armrest
  • Auto Climate Control
  • Auto Day/Night Mirrors
  • Auto Leveling
  • Auto door locks Auto-locking doors
  • Auto headlights Auto on/off headlight control
  • Auto high-beam headlights High Beam Assist (HBA) auto high-beam headlights
  • Automatic 8-Spd
  • Automatic Emergency Braking
  • Automatic brake hold
  • Backup Camera
  • Basic warranty 60 month/60,000 miles
  • Battery charge warning
  • Battery run down protection
  • Battery type Lead acid battery
  • Bed Liner
  • Bedliner
  • Bench Seat
  • Beverage holders Front beverage holders
  • Beverage holders rear Rear beverage holders
  • Blind Spot Monitor
  • Blind spot Blind-Spot Collision Warning blind spot warning
  • Blind-Spot Collision Warning
  • Bluetooth
  • Bluetooth Wireless
  • Body Side Moldings
  • Body panels Fully galvanized steel body panels with side impact beams
  • Brake Assist
  • Brake assist system
  • Brake type 4-wheel disc brakes
  • Bulb warning Bulb failure warning
  • Bumper insert Chrome rear bumper insert
  • Bumper rub strip rear Metal-look rear bumper rub strip
  • Bumpers front Body-colored front bumper
  • Bumpers rear Body-colored rear bumper
  • C.B.
  • CD Changer
  • CD Player
  • CD/MP3 (Single Disc)
  • Cabin air filter
  • Carbon Fiber Trim
  • Cargo access Smart Trunk proximity cargo area access release
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Carpeted Floor Mats
  • Cassette
  • Center Arm Rest
  • Center Console
  • Child Proof Door Locks
  • Child door locks Manual rear child safety door locks
  • Chrome Exhaust Tips
  • Chrome Wheels
  • Clearcoat Paint
  • Climate control Automatic climate control
  • Clock
  • Clock Digital clock
  • Compass And Temperature Display
  • Compressor Intercooled turbo
  • Conventional Spare
  • Corrosion perforation warranty 60 month/100,000 miles
  • Cruise Control
  • Cruise control Cruise control with steering wheel mounted controls
  • Cup Holders
  • Custom Bumper
  • Cylinder head material Aluminum cylinder head
  • DVD Player
  • Day/Night rearview mirror
  • Daytime Running Lights
  • Delay off headlights Delay-off headlights
  • Differential Locks
  • Digital Clock
  • Digital Info Center
  • Digital Instruments
  • Disc Brakes
  • Distronic
  • 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 Body-colored door handles
  • Door locks Power door locks with 2 stage unlocking
  • Door mirror style Black door mirrors
  • Door mirror type Standard style side mirrors
  • Door mirrors Power door mirrors
  • Drive type All-wheel drive
  • Driver Airbag
  • Driver attention monitor Driver Attention Warning (DAW)
  • Driver foot rest
  • Driver information center
  • Driver lumbar Driver seat with 2-way power lumbar
  • Driver seat direction Driver seat with 8-way directional controls
  • Driver selectable steering effort
  • Drivetrain selectable Drive Mode Select driver selectable drivetrain mode
  • Dual Air Bags
  • Dual Climate Control
  • Dual Exhaust
  • Dual Power Seats
  • Dual Power Sliding Doors
  • Dual Zone Climate Control
  • Dual-zone front climate control
  • Dynamic Stability
  • Eco Feedback ECO feedback display gauge
  • Electronic Stability Control
  • Electronic Trunk Closer
  • Electronic parking brake
  • Electronic stability control Electronic stability control system
  • Emissions LEV3-ULEV70 emissions
  • Emissions tiers Tier 3 Bin 70 emissions
  • Engine Cylinders Gamma-II I4
  • Engine Gamma-II 1.6L I-4 gasoline direct injection, DOHC, CVVD variable valv…
  • Engine Location Front mounted engine
  • Engine Mounting direction Transverse mounted engine
  • Engine block material Aluminum engine block
  • Engine/electric motor temperature gauge
  • Exit warning Safe Exit Assist external exit warning system
  • Exterior Keypad Entry
  • External memory External memory control
  • F&R Head Curtain Air Bags
  • F&R Side Air Bags
  • FAST- KEY entry system
  • FR Stabilizing Bars
  • FUSE Handsfree Link
  • First-row sunroof First and second-row sliding and tilting glass sunroof wit…
  • First-row windows Power first-row windows
  • Floor Mats
  • Floor console Full floor console
  • Floor console storage Covered floor console storage
  • Floor coverage Full floor coverage
  • Floor covering Full carpet floor covering
  • Fob engine controls Smart Key with hands-free access and push button start
  • Fog Lights
  • Fog lights LED front fog lights
  • Folding door mirrors Manual folding door mirrors
  • Folding rear seats 60-40 folding rear seats
  • Forward collision warning Forward Collision-Avoidance Assist-Ped & Cyclist
  • Front AC Seats
  • Front Heated Seats
  • Front anti-roll Front anti-roll bar
  • Front head restraint control Manual front seat head restraint control
  • Front head restraints Height adjustable front seat head restraints
  • Front impact airbag driver Driver front impact airbag
  • Front impact airbag passenger Passenger front impact airbag
  • Front reading lights
  • Front seat upholstery Cloth and leatherette front seat upholstery
  • Front seatback upholstery Plastic 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 …
  • Front windshield solar coating
  • Fuel Injection
  • Fuel Type Regular Unleaded
  • Fuel door Power fuel door release
  • Fuel door lock Power fuel door lock
  • GPS System
  • Garage door opener HomeLink garage door opener
  • Gauge cluster display size (inches) Gauge cluster display size: 4.20
  • Gearshifter material Urethane gear shifter material
  • Glove box Standard glove box
  • Gold Trim
  • Grille Guard
  • Grille style Black grille
  • Ground Effects
  • HD Radio
  • HID Headlamps
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Hard Tonneau Cover
  • Head-Protection System
  • Head-Up Display
  • Headlight type Reflector headlights
  • Headlights LED low and high beam headlights
  • Headliner coverage Full headliner coverage
  • Headliner material Cloth headliner material
  • Heads Up Display
  • Heated Door Locks
  • Heated Mirrors
  • Heated Seats
  • Heated Steering Wheel
  • Heated Windshield
  • Heated door mirrors Heated driver and passenger side door mirrors
  • Heated front seats Heated driver and front passenger seats
  • Heated steering wheel
  • Height adjustable seatbelts Front height adjustable seatbelts
  • High mount stop light High mounted center stop light
  • Hill Start Assist Control
  • Hill start assist Hill Start Assist Control (HAC)
  • Homelink System
  • Hydraulic Lift
  • Ignition Spark ignition system
  • Illuminated entry
  • Illuminated ignition switch
  • Immobilizer
  • Infiniti Communicator
  • Instrumentation display Analog instrumentation display
  • Integrated Child Seat
  • Integrated navigation Integrated navigation system with voice activation
  • Interior accents Chrome and metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Intermittent Wipers
  • Internet access 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 Air Bag
  • Knee Air Bags
  • Knee airbag Driver side knee airbag
  • LED Headlamps
  • LED brake lights
  • Lane Departure Warning
  • Lane Departure Warning System
  • Lane departure Lane Departure Warning System (LDWS)
  • Leather Shifter
  • Leather Steering Wheel
  • Limited Slip Center Differential
  • Limited Slip Differential
  • Lock-up transmission
  • Locking Fuel Cap
  • Locking Tailgate
  • Locking hub control Permanent locking hub control
  • Low level warnings Low level warning for fuel, washer fluid and brake fluid
  • Low tire pressure warning Tire specific low air pressure warning
  • Luxury Seats
  • MP3
  • Manual passenger seat controls Passenger seat manual reclining, fore/aft con…
  • Map Lights
  • Memory Seat
  • Memory Seat Position
  • Memory System
  • Metallic Paint
  • Moonroof
  • Multiple headlights Multiple enclosed headlights
  • Navigation System
  • Night Vision
  • Number of airbags 9 airbags
  • Number of beverage holders 8 beverage holders
  • Number of doors 4 doors
  • Number of first-row screens 2 total number of 1st row displays
  • Occupancy sensor Airbag occupancy sensor
  • Off Road Tires
  • Oil pressure warning
  • OnStar
  • Onboard Hard Drive
  • One-touch down window Driver and passenger one-touch down windows
  • One-touch up window Driver and passenger one-touch up windows
  • Optional Fuel Tank
  • Overdrive transmission
  • Overhead Console
  • Overhead airbags Curtain first and second-row overhead airbags
  • Overhead console Mini overhead console
  • PCM
  • Paint Metallic paint
  • Paint Non-metallic paint
  • Panoramic Roof
  • Parking Sensors
  • Passenger Airbag
  • 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 6-way directional control…
  • Pedestrian Detection
  • Perimeter approach lighting Remote activated perimeter approach lighting
  • Pickup Shell
  • Power Adjustable Pedals
  • Power Antenna
  • Power Brakes
  • Power Door Locks
  • Power Driver Seat
  • Power Driver's Seat
  • Power Lift Gate
  • Power Locks
  • Power Mirrors
  • Power Passenger Seat
  • Power Rear Sunshade
  • Power Seat
  • Power Sliding Door
  • Power Steering
  • Power Windows
  • Power driver seat controls Driver seat power reclining, lumbar support, cush…
  • Powertrain type ICE
  • Powertrain warranty 120 month/100,000 miles
  • Premium Alloy Wheels
  • Premium Sound
  • Premium Sound System
  • Premium Wheels
  • Primary display size 8 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • Privacy Glass/Tinted
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/digital/SiriusXMsatellite
  • Rear AC Seats
  • Rear Air Conditioning
  • Rear Cross Traffic Alert
  • Rear Defogger
  • Rear Fog Lamps
  • Rear Heated Seats
  • Rear Radio Control
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear Wiper
  • Rear anti-roll Rear anti-roll bar
  • Rear camera Rear View Monitor with Parking Guidance rear mounted camera
  • Rear cargo door Trunk
  • Rear collision warning Rear Cross-Traffic Collision Avoidance-Assist (RCCA)
  • Rear head restraint control 3 rear seat head restraints
  • Rear head restraint control Manual rear seat head restraint control
  • Rear head restraints Height adjustable rear seat head restraints
  • Rear seat check warning Rear Occupant Alert (ROA) rear seat check warning
  • Rear seat direction Front facing rear seat
  • Rear seat folding position Fold forward rear seatback
  • Rear seat upholstery Cloth and leatherette 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 window trim Chrome rear window trim
  • Rear windshield Fixed rear windshield
  • Rear-Side Airbags
  • Reclining Seats
  • Remote Control Entry
  • Remote Fuel Door
  • Remote Hatch Release
  • Remote Start
  • Remote Trunk Lid
  • Remote panic alarm
  • Removable Hard Top
  • Reverse Camera
  • Roadside warranty 60 month/60,000 miles
  • Roll Bar
  • Roll Stability Control
  • Roof Rack
  • Running Boards
  • Running lights LED daytime running lights
  • Rust Proofing
  • Satellite Radio
  • Satellite trial 3 month satellite trial subscription
  • Seatback storage pockets 2 seatback storage pockets
  • Seatbelt pretensioners Front seatbelt pretensioners
  • Seatbelt pretensioners number 2 seatbelt pre-tensioners
  • Seating capacity 5
  • Second-row windows Power second-row windows
  • Security System
  • Security system
  • Seek scan
  • Selectable mode transmission Drive Mode Select selectable mode transmission
  • Separate Tweeters
  • Sequential shift control Sportmatic Sequential shift control
  • Service interval warning Service interval indicator
  • Shifter boot Vinyl shifter boot
  • Shock absorbers Gas-pressurized shock absorbers
  • Side Airbags
  • Side Curtain Airbags
  • Sliding Rear Window
  • Smart device integration Apple CarPlay & Android Auto smart device mirroring…
  • Spare tire Compact spare tire with steel wheel
  • Spare tire location Spare tire mounted under the cargo floor
  • Speakers Standard grade speakers
  • Speakers number 6 speakers
  • Special paint Monotone paint
  • Speed sensitive steering Speed sensitive power steering
  • Speed sensitive volume
  • Speedometer Redundant digital speedometer
  • Split Folding Rear Seat
  • Split Front Bench
  • Split Seats
  • Split front seats Bucket front seats
  • Spoiler
  • Spoiler Rear lip spoiler
  • Sport Seats
  • Sport Suspension
  • Sport steering wheel
  • Springs front Front coil springs
  • Springs rear Rear coil springs
  • Stability Control
  • Steering R-MDPS electric power-assist steering system
  • Steering Radio Controls
  • Steering mounted audio control Steering wheel mounted audio controls
  • Steering type Rack-pinion steering
  • Steering wheel material Leather and metal-look steering wheel
  • Steering wheel telescopic Manual telescopic steering wheel
  • Steering wheel tilt Manual tilting steering wheel
  • Subwoofer
  • Sunroof
  • Surround Sound SYNC
  • Suspension Standard ride suspension
  • 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 single exhaust
  • Teleaide System
  • Telescoping Steering Wheel
  • Temperature display Exterior temperature display
  • Third Row Seating
  • Tilt & Telescoping Wheel
  • Tilt Steering Wheel
  • Tinted windows Light tinted windows
  • Tire Pressure
  • Tires P235/45VR18 AS BSW front and rear tires
  • Touch Screen
  • Tow Hooks
  • Tow Package
  • Traction Control
  • Traction control All-speed ABS and driveline traction control
  • Trailer Hitch
  • Transmission 8-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission fluid temperature warning Transmission fluid temp warning
  • Trip Computer
  • Trip Odometer
  • Trip computer
  • Trip odometer
  • Trunk lid trim Carpet trunk lid trim
  • Turbocharged
  • Turn signal in door mirrors Turn signal indicator in door mirrors
  • Turn-by-turn nav UVO eServices turn-by-turn navigation system
  • Two Tone Paint
  • USB Port
  • USB ports 4 USB ports
  • UVO Link
  • Underbody Hoist
  • Vanity Mirrors
  • Variable Assist Steering
  • Variable panel light Variable instrument panel light
  • Ventilated brakes Front ventilated disc brakes
  • Video System
  • Visor driver expandable coverage Driver visor with expandable coverage
  • Visor driver mirror Driver visor mirror
  • Visor illuminated driver mirror Illuminated driver visor mirror
  • Visor illuminated passenger mirror Illuminated passenger visor mirror
  • Visor passenger expandable coverage Passenger visor with expandable coverage…
  • Visor passenger mirror Passenger visor mirror
  • Voice Activated
  • Voice Control
  • Voice activated audio UVO eServices voice activated audio controls
  • WIFI Hotspot
  • Wheels 18 x 7.5-inch front and rear machined w/painted accents aluminum whee…
  • Wide Tires
  • Winch
  • Window Trim Chrome side window trim
  • Windows
  • Windshield trim Black windshield trim
  • Wipers Variable intermittent front windshield wipers
  • Wire Wheel Covers
  • Wire Wheels
  • Wireless streaming Bluetooth wireless audio streaming
  • Wood Trim
  • Xenon

Vehicle history by CARFAX

Accidents or damage
At least 1 accident or damage reported
1-owner vehicle
Yes
Personal use only
Yes
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

Fast and Furious Auto Sales

Not rated Dealerships need five reviews in the past 24 months before we can display a rating. (1 review)
607 Springfield Avenue, Newark, NJ 07103

Seller’s notes about this car

Non-smoker owner, Vehicle Runs Well, Smooth ride, Always parked indoors, New tires, All records in possession, Regularly maintained, Lots of storage, Arctic cold a/c, No pets, Never driven on Snow, Seats as good as new, Must test drive, Has remaining factory warranty, Done all Scheduled Maintenance, New floor mats, Spotless interior, Rear seat entertainment, Great first ride, Primarily highway miles, Fully Loaded, Available Satellite Radio, Factory GPS, Title in possession, Mint Condition, Single owner, Not seen any accidents, Family friendly, Drives greatWelcome to Fast And Furious Auto Sales. The biggest Buy Here Pay Here dealership in NJ, NY, DE , MD , CT and PA Where everyone is approved regardless of their credit history. So; Bad credit is approved; Good credit approved; No credit approved; first time buyer approved; unemployed approved; SSI income approved; previous repossessions approved; cash jobs all are approved. We say Yes to all customers when everyone else says no. Come to our Dealership and experience our friendly atmosphere and our Guaranteed approval, Buy Here Pay Here Policy. Please call us now at (973) 623-0284 For more details or stop by for a test drive; Fast And Furious Auto Sales relies on external data provided by the vehicle manufacturer and other resources and; therefore; exact configuration; specifications; color and accessories are not guaranteed. We make every effort to present accurate information. Dealer will not be liable for any inaccuracies; claims or losses of any nature. Furthermore; inventory is subject to prior sale and prices are subject to change without notice.this offer Can not be combined with any other offer(s). Internet pricing posted on this website is only available to those customers who reference such pricing at time of sale. Internet Special prices and/or listed prices EXCLUDE ;Taxes; Registration; ; Documentation of $499 And DPF to Pass 152 points of inspection where anything that doesn't meet our high standards is repaired or replaced. Promotional offers may be canceled without notice. All prices are subject to change without notice. this ad is a discount coupon and must be printed presented stamped and signed by the customer and the sales manager prior to or at the time of the sale. The price excludes all sales taxes and any applicable fees such as dealer fee registration or motor vehicle fees doc fee and dealer prep fee.

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Consumer reviews

See what others are saying about the 2021 Kia K5.
(75 reviews)
Rating breakdown (out of 5):
  • Comfort 4.7
  • Interior 4.7
  • Performance 4.5
  • Value 4.5
  • Exterior 4.7
  • Reliability 4.5

Most recent consumer reviews

Great car overall!

I’m in love with this car. I love the features with my EX trim. Heated/cooled seats. Sunroof and wood grain interior. The only issue I have is I’ve never owned a car with CVT. It feels a bit odd at times compared to my previous cars. But anything is better than dealing with Ford’s DCT.

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
4 people out of 5 found this review helpful. Did you?
Yes No

Go see Dave S for all your car needs. Love there w

Worked with Dave S. Went in thinking I would not get approved on a car. He was very knowledgeable and answered all my questions that I had. I highly recommend Dave.

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
2 people out of 2 found this review helpful. Did you?
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Recalls

I would recommend the Kia K 5 but before looking to buy one , check all recalls. I bought my K 5 July 2021 and had no issue with it until yesterday April 26, 2023. My car steering and brakes went as I was going around a turn. Thank god all traffic stopped for me and I was able to stop the car with the emergency brake. I looked up recalls today and saw that there was a recall on my K5 June 2021 on the steering and power train. I never got anything in the mail about this or was told when buying the car. Now they want me to pay for my own rental while they work on my car. I am now calling Kia USA on this issue. I really don't want a car back that has issues like this because it scary to drive thinking it might happen again on the high way with my daughter or someone else in the car. They should give me a New different Kia that does not have any recalls. I paid a lot for this car and should be compensated at least for the rental.

Rating breakdown (out of 5):
  • Comfort 4.0
  • Interior 4.0
  • Performance 2.0
  • Value 4.0
  • Exterior 4.0
  • Reliability 2.0
  • Purchased a New car
  • Used for Transporting family
  • Does not recommend this car
35 people out of 38 found this review helpful. Did you?
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See all 75 consumer reviews

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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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