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Car shopper resources

Basics

Exterior color
Silver Sky Metallic
Interior color
Drivetrain
All-wheel Drive
MPG
27–34

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
Engine
Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
VIN
2T3F1RFV5RW450198
Stock #
P74629
Mileage
32,820 mi.

Features

Convenience
  • Adaptive Cruise Control
  • Heated Seats
  • 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
Additional popular features:
headlight control - auto highbeam, traffic sign recognition, front cross traffic alert, autonomous drive, dynamic steering, collision warning system
View all features

Features

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

  • Aux Audio Input Jack
  • Brake Assist
  • Clock
  • Driver And Passenger Door Bins
  • Engine Coolant Temp
  • Front Vented Discs
  • Height Adjusters and Pretensioners
  • Hill Hold Control and Electric Parking Brake
  • Illuminated Entry
  • Illuminated Ignition Switch and Panic Button
  • Mini Overhead Console w/Storage and 2 12V DC Power Outlets
  • Odometer
  • Radio Data System and External Memory Control
  • Sequential Shift Control and Oil Cooler
  • Speed Compensated Volume Control
  • Steering Wheel Controls
  • Tachometer
  • Trip Odometer and Trip Computer
  • Voice Activation
  • 1 Seatback Storage Pocket
  • 1120# Maximum Payload
  • 12V power outlets 2 12V power outlets
  • 14.5 Gal. Fuel Tank
  • 2 12V DC Power Outlets
  • 2 LCD Monitors In The Front
  • 2.5L DOHC 4-Cylinder Engine with Dual VVT-I
  • 3-point seatbelt Rear seat center 3-point seatbelt
  • 4-Wheel Disc Brakes w/4-Wheel ABS
  • 4WD type Automatic full-time AWD
  • 550CCA Maintenance-Free Battery w/Run Down Protection
  • 60-40 Folding Split-Bench Front Facing Manual Reclining Fold Forward Seatbac…
  • 610 lbs
  • ABS And Driveline Traction Control
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • Accessory power Retained accessory power
  • Adaptive Cruise Control
  • Adaptive cruise control Full-Speed Range Dynamic Radar Cruise Control (DRCC)…
  • Air Filtration
  • Air conditioning Yes
  • Airbag Occupancy Sensor
  • All Wheel Drive
  • All-in-one key All-in-one remote fob and ignition key
  • Alternator Type Alternator
  • Android Auto
  • Antenna Integrated roof audio antenna
  • Apple CarPlay
  • Armrests front center Front seat center armrest
  • Armrests rear Rear seat center armrest
  • Auto door locks Auto-locking doors
  • Auto high-beam headlights Automatic High Beams (AHB) auto high-beam headligh…
  • Automatic Emergency Braking
  • Automatic Full-Time All-Wheel
  • Automatic brake hold
  • Autonomous cruise control Lane Change Assist (LCA)/Lane Tracing Assist (LTA)…
  • Aux input jack Auxiliary input jack
  • Axle Ratio: 3.177
  • Back-Up Camera
  • Backup Camera
  • Basic warranty 36 month/36,000 miles
  • Battery charge warning
  • Battery run down protection
  • Battery type Lead acid battery
  • Beverage holders Front beverage holders
  • Beverage holders rear Rear beverage holders
  • Black Bodyside Cladding and Black Wheel Well Trim
  • Black Grille w/Body-Color Surround
  • Black Power Side Mirrors w/Manual Folding
  • Black Rear Bumper w/Black Rub Strip/Fascia Accent
  • Bluetooth Wireless Phone Connectivity
  • Body panels Galvanized steel/aluminum body panels with side impact beams
  • Body-Colored Door Handles
  • Body-Colored Front Bumper w/Black Rub Strip/Fascia Accent
  • Bodyside cladding Black bodyside cladding
  • Brake Actuated Limited Slip Differential
  • Brake Assist
  • Brake assist system
  • Brake type 4-wheel disc brakes
  • Bumper rub strip front Black front bumper rub strip
  • Bumper rub strip rear Black rear bumper rub strip
  • Bumpers front Body-colored front bumper
  • Bumpers rear Black rear bumper
  • Cabin air filter
  • Cargo Area Concealed Storage
  • Cargo Space Lights
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Cargo tie downs Cargo area tie downs
  • Carpet Floor Trim
  • Child door locks Manual rear child safety door locks
  • Chrome Side Windows Trim and Black Front Windshield Trim
  • Climate control Manual climate control
  • Clock Digital clock
  • Cloth Door Trim Insert
  • Collision Mitigation-Front
  • Compact Spare Tire Mounted Inside Under Cargo
  • Concealed cargo storage Cargo area concealed storage
  • Configurable instrumentation gauges
  • Corrosion perforation warranty 60 month/unlimited
  • Cruise Control w/Steering Wheel Controls
  • Cruise control Cruise control with steering wheel mounted controls
  • Curtain 1st And 2nd Row Airbags
  • Cushion airbag Front passenger seat cushion airbag
  • Cylinder head material Aluminum cylinder head
  • Day-Night Rearview Mirror
  • Day/Night rearview mirror
  • Deep Tinted Glass
  • Delayed Accessory Power
  • Digital/Analog Appearance
  • Door ajar warning Rear cargo area ajar warning
  • Door bins front Driver and passenger 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
  • Door trim insert Cloth door trim insert
  • Drive type All-wheel drive
  • Driver And Passenger Visor Vanity Mirrors
  • Driver Foot Rest
  • Driver Information Center
  • Driver Knee Airbag and Passenger Cushion Front Airbag
  • Driver Seat
  • Driver foot rest
  • Driver information center
  • Driver seat direction Driver seat with 6-way directional controls
  • Driver selectable steering effort
  • Drivetrain selectable Driver selectable drivetrain mode
  • Dual Stage Driver And Passenger Front Airbags
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Electric Power-Assist Speed-Sensing Steering
  • Electronic Stability Control (ESC)
  • Electronic parking brake
  • Electronic stability control Electronic stability control system
  • Emergency SOS Safety Connect (10-year trial) vehicle integrated emergency SO…
  • Emissions LEV3-ULEV50 emissions
  • Emissions tiers Tier 3 Bin 50 emissions
  • Engine Auto Stop-Start Feature
  • Engine Cylinders Dynamic Force I4
  • Engine Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variable va…
  • Engine Location Front mounted engine
  • Engine Mounting direction Transverse mounted engine
  • Engine block material Aluminum engine block
  • Engine/electric motor temperature gauge
  • Engine: 2.5L DOHC 4-Cylinder w/Dual VVT-i
  • External memory External memory control
  • Fabric Seat Trim
  • Fade-To-Off Interior Lighting
  • First-row windows Power first-row windows
  • Fixed Interval Wipers
  • Fixed Rear Window w/Yes Wiper and Defroster
  • Floor console Full floor console
  • Floor console storage Covered floor console storage
  • Floor coverage Full floor coverage
  • Floor covering Full carpet floor covering
  • Folding door mirrors Manual folding door mirrors
  • Folding rear seats 60-40 folding rear seats
  • Forward collision warning Pre-Collision System (PCS) w/Intersection Support …
  • Front And Rear Anti-Roll Bars
  • Front Bucket Seats -inc: 6-way adjustable driver's seat and 4-way adjustable…
  • Front Center Armrest and Rear Center Armrest
  • Front Cupholder
  • Front Map Lights
  • 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 front seat upholstery
  • Front seatback upholstery Cloth 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 Manual fuel door release
  • Full Carpet Floor Covering
  • Full Cloth Headliner
  • Full Floor Console w/Covered Storage
  • Full-Speed Range Dynamic Radar Cruise Control (DRCC)
  • GVWR: 4
  • Galvanized Steel/Aluminum Panels
  • Gas-Pressurized Shock Absorbers
  • Gauge cluster display size (inches) Gauge cluster display size: 7.00
  • Gauges -inc: Speedometer
  • Gearshifter material Urethane gear shifter material
  • Glove Box
  • Glove box Standard glove box
  • Grille style Black grille with body-color surround
  • HVAC -inc: Underseat Ducts
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Headlight type Projector beam headlights
  • Headlights LED low and high beam headlights
  • Headlights on reminder
  • Headlights-Automatic Highbeams
  • Headliner coverage Full headliner coverage
  • Headliner material Cloth headliner material
  • Heated Seats
  • Height adjustable seatbelts Front height adjustable seatbelts
  • High mount stop light High mounted center stop light
  • Hill start assist
  • Ignition Spark ignition system
  • Illuminated entry
  • Illuminated ignition switch
  • Immobilizer
  • Instrument Panel Bin
  • Instrumentation display Digital/analog instrumentation display
  • Integrated Roof Antenna
  • Interior Trim -inc: Metal-Look Interior Accents
  • Interior accents Metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Internet access Wi-Fi Connect with up to 3GB within 1-month trial mobile hot…
  • Key in vehicle warning
  • Keyfob door locks Keyfob activated door locks
  • Keyless Entry
  • Knee airbag Driver side knee airbag
  • LED Brakelights
  • LED brake lights
  • Laminated Glass
  • Laminated window Laminated side window glass
  • Lane Change Assist (LCA)/Lane Tracing Assist (LTA)
  • Lane Departure Alert (LDA) w/Steering Assist Lane Departure Warning
  • Lane Departure Alert (LDA) w/Steering Assist Lane Keeping Assist
  • Lane Departure Warning
  • Lane departure Lane Departure Alert (LDA) w/Steering Assist
  • Liftgate Rear Cargo Access
  • Limited Slip Center Differential
  • Limited slip differential Active Cornering Assist (ACA) brake actuated limit…
  • Lip Spoiler
  • Lock-up transmission
  • Locking hub control Permanent locking hub control
  • Low Tire Pressure Warning
  • Low level warnings Low level warning for fuel, washer fluid and brake fluid
  • Low tire pressure warning
  • Maintenance warranty 24 month/25,000 miles
  • Manual Adjustable Front Head Restraints and Manual Adjustable Rear Head Rest…
  • Manual Air Conditioning
  • Manual Tilt/Telescoping Steering Column
  • Manual driver seat controls Driver seat manual reclining, fore/aft control a…
  • Manual passenger seat controls Passenger seat manual reclining and fore/aft …
  • Multi-Link Rear Suspension w/Coil Springs
  • Multi-level cargo floor
  • Multiple headlights Multiple enclosed headlights
  • Number of airbags 8 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
  • 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
  • Outboard Front Lap And Shoulder Safety Belts -inc: Rear Center 3 Point
  • Outside Temp Gauge
  • Overdrive transmission
  • Overhead airbags Curtain first and second-row overhead airbags
  • Overhead console Mini overhead console
  • Overhead console storage
  • Paint Metallic paint
  • Passenger Seat
  • 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 4-way directional control…
  • Pedestrian detection Pre-Collision System with Pedestrian Detection
  • Permanent Locking Hubs
  • Post collision braking system Automatic post-collision braking system
  • Power 1st Row Windows w/Front And Rear 1-Touch Up/Down
  • Power Door Locks w/Autolock Feature
  • Power Rear Windows and Fixed 3rd Row Windows
  • Powertrain type ICE
  • Powertrain warranty 60 month/60,000 miles
  • Pre-Collision System (PCS) w/Intersection Support
  • Primary display size 8 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • Projector Beam Led Low/High Beam Daytime Running Auto High-Beam Headlamps
  • Quasi-Dual Stainless Steel Exhaust w/Chrome Tailpipe Finisher
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/digital/SiriusXMsatellite
  • Radio w/Seek-Scan
  • Rear Child Safety Locks
  • Rear Cupholder
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear anti-roll Rear anti-roll bar
  • Rear bench seats Split-bench rear seat
  • Rear camera Rear mounted camera
  • Rear cargo door Liftgate rear cargo door
  • 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 direction Front facing rear seat
  • Rear seat folding position Fold forward rear seatback
  • Rear seat upholstery Cloth rear seat upholstery
  • Rear seatback upholstery Carpet rear seatback upholstery
  • Rear seats fixed or removable Fixed rear seats
  • Rear under seat ducts Rear under seat climate control ducts
  • Rear window defroster
  • Rear windshield Fixed rear windshield
  • Rear windshield wipers Yes rear windshield wipers
  • Reclining rear seats Manual reclining rear seats
  • Remote Keyless Entry w/Integrated Key Transmitter
  • Remote Releases -Inc: Mechanical Fuel
  • Remote panic alarm
  • Roadside warranty 24 month/unlimited
  • Running lights LED daytime running lights
  • SAE Autonomy Level 2 - partial automation SAE Autonomy
  • Safety Connect (10-year trial) Emergency Sos Capability
  • Satellite trial 3 month satellite trial subscription
  • Seatback storage pockets 1 seatback storage pocket
  • Seatbelt pretensioners Front seatbelt pretensioners
  • Seatbelt pretensioners number 2 seatbelt pre-tensioners
  • Seating capacity 5
  • Seats w/Cloth Back Material
  • Second-row windows Power second-row windows
  • Seek scan
  • Selectable mode transmission
  • Sequential shift control
  • Service interval warning Service Connect (10-year trial) service interval in…
  • Shock absorbers Gas-pressurized shock absorbers
  • Side Impact Beams
  • Smart Device Integration
  • Smart device integration Wireless Apple CarPlay & Wireless Android Auto smar…
  • 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
  • Split front seats Bucket front seats
  • Spoiler Rear lip spoiler
  • Springs front Front coil springs
  • Springs rear Rear coil springs
  • Stability Control
  • Start-stop engine Auto stop-start engine
  • Steel Spare Wheel
  • Steering Electric power-assist steering system
  • Steering mounted audio control Steering wheel mounted audio controls
  • Steering type Rack-pinion steering
  • Steering type number of wheels 2-wheel steering system
  • Steering wheel material Urethane steering wheel
  • Steering wheel telescopic Manual telescopic steering wheel
  • Steering wheel tilt Manual tilting steering wheel
  • Streaming Audio
  • Strut Front Suspension w/Coil Springs
  • 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
  • Tailgate control Tailgate/power door lock
  • Tailgate/Rear Door Lock Included w/Power Door Locks
  • Tailpipe Stainless steel quasi-dual exhaust with chrome tailpipe finisher
  • Temperature display Exterior temperature display
  • Third-row windows Fixed third-row windows
  • Tinted windows Deep tinted windows
  • Tires P225/65HR17 AS BSW front and rear tires
  • Tires: 225/65R17 AS
  • Towing Equipment -inc: Trailer Sway Control
  • Towing trailer sway Trailer sway control
  • Tracker System
  • Traction Control
  • Traction control All-speed ABS and driveline traction control
  • Traffic sign information Road Sign Assist (RSA)
  • Transmission 8-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission fluid temperature warning Transmission fluid temp warning
  • Transmission oil cooler
  • Transmission w/Driver Selectable Mode
  • Transmission: 8-Speed Automatic
  • Trip Computer
  • Trip computer
  • Trip odometer
  • Trunk lid trim Plastic trunk lid trim
  • USB Port
  • USB ports 1 USB port
  • Urethane Gear Shifter Material
  • Variable panel light Variable instrument panel light
  • Vehicle tracker
  • Ventilated brakes Front ventilated disc brakes
  • Visor driver mirror Driver visor mirror
  • Visor passenger mirror Passenger visor mirror
  • Voice activated audio Voice activated audio controls
  • WIFI Hotspot
  • Wheel covers Full wheel covers
  • Wheel well trim Black wheel well trim
  • Wheels 17 x 7-inch front and rear steel wheels
  • Wheels: 17 Steel
  • Wi-Fi Connect with up to 3GB within 1-month trial Mobile Hotspot Internet Ac…
  • Window Trim Chrome side window trim
  • Windshield trim Black windshield trim
  • Wipers Fixed interval front windshield wipers
  • Wireless streaming Bluetooth wireless audio streaming
2024 Award Winner

American Made Index

This SUV features on the American-Made Index, which analyzes five factors to find the most American cars.
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award winner

Vehicle history by CARFAX

Accidents or damage
None reported
1-owner vehicle
Yes
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

Evo Motors

(279 reviews)
11809 US-92, Seffner, FL 33584

Seller’s notes about this car

CLEAN CARFAX 2024 TOYOTA RAV 4 LE AWD APPLE CARPLAY ANDROID AUTO Dependable, Efficient, and Adventure-Ready The 2024 Toyota RAV4 LE AWD offers the perfect balance of rugged capability and everyday comfort. With a bold design, legendary Toyota reliability, and the enhanced confidence of all-wheel drive , this compact SUV is built for whatever life throws your wayfrom city streets to off-road escapes. FINANCING AVAILABLE CALL 813-621-7799 ORIGINAL PRICE To receive the lower advertised price or Preferred Payment discounted price purchaser must purchase the vehicle using one of the following preferred payment methods: Cash, Cashiers Check without lien recording instructions, Capital One Auto Navigator pre approval, or Financing through the dealership with an Approved lender. YOU MAY CONTACT THE DEALERSHIP FOR A LIST OF APPROVED LENDERS . A list of approved lenders maybe requested by email or talk to a sales representative. If buyer is purchasing the vehicle using any other payment method ORIGINAL price will apply. All Truecar price certificates will reflect ORIGINAL price All prices advertised on any Credit union or third party lenders buying service facilitated by third party websites are original prices and not the discounted price. customer may choose to receive the discounted price if they pay for the vehicle with a preferred payment method.

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Price history

Listed 50 days ago.
$1,000 total price reduction!
5/29/25 Listed $26,994
6/19/25 -$510 $26,484
6/26/25 -$490 $25,994
Total price amount is based on price change information provided by the seller.

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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 2024 Toyota RAV4.
(8 reviews)
Rating breakdown (out of 5):
  • Comfort 4.8
  • Interior 4.8
  • Performance 4.8
  • Value 4.4
  • Exterior 4.9
  • Reliability 4.8

Most recent consumer reviews

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.

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 New car
  • Used for Commuting
  • Does recommend this car
0 people out of 0 found this review helpful. Did you?
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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.

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 New car
  • Used for Commuting
  • Does recommend this car
1 person out of 1 found this review helpful. Did you?
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I just moved to North Carolina from Illinois and it has

I just moved to North Carolina from Illinois and it has not been an easy transition lets just say that. As soon as I pulled into Hendrick Toyota of Apex I was greeted by many smiling faces. Eli and Kristie were helping me as I had an issue with my passenger mirror. Eli explained what I needed to do and Kristie ended up handeling my services that day and got me in and out within the hour just like she said! I will definitely be back!

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 New car
  • Used for Commuting
  • Does recommend this car
1 person out of 1 found this review helpful. Did you?
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See all 8 consumer reviews

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Car shopper resources

Dealer Disclaimer: Effective December 2017: all Advertised prices include a discount ALREADY APPLIED TO THE LISTING PRICE for purchasing the vehicle using one of the following preferred payment methods: Cash Cashiers Check without lien recording instructions USAA Dealer electronic check Capital One Auto Navigator pre approval. Financing thru the dealership with an Approved lender. YOU MAY CONTACT THE DEALERSHIP FOR A LIST OF APPROVED LENDERS. If purchasing the vehicle using a loan draft or a pre approval letter from a lender that is not listed on our approved lenders list buyer will lose the discount that is already applied to the advertised price. A list of approved lenders may be requested by email or ask a sales representative.

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.

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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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