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Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5 Photo of 2025 Crystal White Tricoat Cadillac XT5
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Basics

Exterior color
Crystal White Tricoat
Interior color
Jet Black
Drivetrain
All-wheel Drive
MPG
18–26

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
1GYKNDRS9SZ125092
Stock #
SZ125092
Mileage
10 mi.

Features

Convenience
  • Heated Seats
  • Heated Steering Wheel
  • Keyless Entry
  • Keyless Start
  • Navigation System
  • Power Liftgate
  • Remote Start
Entertainment
  • Android Auto®
  • 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
Seating
  • Leather Seats
  • Memory Seat
View all features

Features

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

  • 18' (45.7 cm) includes lateral cargo net
  • 18' (45.7 cm) steel
  • 3-channel programmable
  • 3.47 ratio (Includes (LSY) 2.0L Turbo engine. Upgradeable to (FXC) 3.49 axl…
  • 4-wheel antilock
  • 4-wheel independent
  • 4-wheel vented disc
  • 60/40 sliding and reclining with cargo area fold-down release
  • Bose Performance Series 14-speaker system includes Cadillac speaker grille …
  • Electric Power Steering (EPS) assist
  • H-rated
  • LED
  • P235/55R20 all-season
  • Passenger Sensing System sensor indicator inflatable restraint
  • acoustic laminated
  • active control
  • automatic
  • automatic high beam on/off
  • automatic on/off
  • blackwall
  • bright brushed aluminum
  • cabin
  • cabin humidity
  • compact spare
  • deep-tinted (all windows
  • dual Driver Information Center display includes driver personalization
  • dual note tone
  • dual-stage frontal and seat-mounted side-impact for driver and front passen…
  • electronic with set and resume speed
  • except light-tinted glass on windshield)
  • front park and cornering
  • front passenger/child presence detector (Always use seat belts and child re…
  • full-range
  • heated
  • illuminating
  • inclination
  • inside rearview auto-dimming (Upgradeable to (DRZ) Rear Camera Mirror when …
  • light pipes in doors
  • lockable
  • open and close
  • outside heated
  • particulate system
  • power UltraView double-sized glass roof that opens over first row
  • power front express-up and down rear express-down and comfort open (auto ex…
  • power tilt and telescoping
  • power-adjustable
  • power-folding driver-side auto-dimming with integrated turn signals
  • powertrain and brake modulated
  • programmable memory height with Cadillac branded projection light
  • rails with sliding fence
  • rear
  • rear (Deleted when (CJ4) tri-zone automatic climate control is ordered.)
  • rear child security
  • rear side marker taillamp
  • rear-window electric with front and side window outlets for the driver and …
  • recalls two 'presets' for power driver seat outside mirrors and power tilt …
  • retractable
  • road emergency
  • roof-mounted
  • second row
  • see my.cadillac.com/learnAbout/wireless-charging or consult your carrier.)
  • spare
  • tilt-sliding with Express-Open and power sunshade
  • upper and lower (Upper and lower active aero shutters deleted when (LGX) 3.…
  • vehicle interior movement
  • warning messages and vehicle information (Upgradeable to (UHS) 8' color Dri…
  • windshield and front door glass
  • with disable
  • wrapped
  • 12V power outlets 2 12V power outlets
  • 155 Amp Alternator
  • 3-point seatbelt Rear seat center 3-point seatbelt
  • 4WD type Part and full-time AWD
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • Accessory power Retained accessory power
  • Active aero shutters
  • Adaptive Remote Start
  • Air conditioning Yes
  • Air filter
  • Air vents
  • Airbag
  • Airbags
  • All Wheel Drive
  • All-in-one key All-in-one remote fob and ignition key
  • All-wheel drive with driver mode select
  • Alternator Type Alternator
  • Ambient lighting
  • Amplifier Premium grade amplifier
  • Android Auto
  • Antenna
  • Antenna Integrated roof audio antenna
  • Apple CarPlay
  • Armrests front center Front seat center armrest
  • Armrests rear Rear seat center armrest
  • Audio system feature
  • Auto door locks Auto-locking doors
  • Auto headlights Twilight Sentinel auto on/off headlight control
  • Auto high-beam headlights IntelliBeam auto high-beam headlights
  • Auto-dimming door mirror driver Auto-dimming driver side mirror
  • Automatic Emergency Braking
  • Automatic Stop/Start
  • Automatic Stop/start with Disable
  • Aux input jack Auxiliary input jack
  • Axle
  • Backup Camera
  • Basic warranty 48 month/50,000 miles
  • Battery charge warning
  • Battery run down protection
  • Battery type Lead acid battery
  • Beverage holders Front beverage holders
  • Beverage holders rear Rear beverage holders
  • Blind Spot Monitor
  • Blind spot Lane Change Alert with Side Blind Zone Alert blind spot warning
  • Body panels Galvanized steel/aluminum body panels with side impact beams
  • Bodyside cladding Black bodyside cladding
  • Bodyside moldings Aluminum bodyside moldings
  • Brake Assist
  • Brake assist system
  • Brake type 4-wheel disc brakes
  • Brakes
  • Bulb warning Bulb failure warning
  • Bumper insert Aluminum front and rear bumper inserts
  • Bumpers front Body-colored front bumper
  • Bumpers rear Black rear bumper
  • Cabin air filter
  • Capless Fuel Fill
  • Capless fuel filler
  • Cargo Management System
  • Cargo access Proximity cargo area access release
  • Cargo cover Roll-up cargo cover
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Cargo net
  • Cargo rail Cargo rail system
  • Cargo shade
  • Cargo tie downs Cargo area tie downs
  • Child door locks Manual rear child safety door locks
  • Climate control Automatic climate control
  • Clock Digital clock
  • Compass
  • Compass display
  • Compressor Intercooled turbo
  • Concealed cargo storage Cargo area concealed storage
  • Corrosion perforation warranty 72 month/unlimited
  • Cruise control
  • Cruise control Cruise control with steering wheel mounted controls
  • Cylinder head material Aluminum cylinder head
  • Day/Night rearview mirror
  • Daytime Running Lamps
  • Defogger
  • Delay off headlights Delay-off headlights
  • Digital signal processor Bose Performance Series digital signal processor
  • Distance alert Following Distance Indicator
  • 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 lock and latch shields
  • 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 All-wheel drive
  • Driver Mode Selector
  • 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 Driver Mode Control driver selectable stee…
  • Drivetrain selectable Drivesense driver selectable drivetrain mode
  • Dual Climate Control
  • Dual-zone front climate control
  • Electric Parking Brake
  • Electronic Precision Shift
  • Electronic parking brake
  • Electronic stability control StabiliTrak electronic stability control system…
  • Emergency SOS OnStar and Cadillac connected services capable vehicle integra…
  • Emissions LEV3-ULEV50 emissions
  • Emissions tiers Tier 3 Bin 50 emissions
  • 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 gage
  • Equalizer Automatic audio equalizer
  • External memory External memory control
  • First-row sunroof First and second-row sliding and tilting glass sunroof wit…
  • 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 Smart key with hands-free access and push button start
  • Fob remote vehicle controls Keyfob remote engine start
  • Fob window controls Keyfob window control
  • Folding door mirrors Power folding door mirrors
  • Folding rear seats 60-40 folding rear seats
  • Following Distance Indicator
  • Fore and aft rear seat Rear seats with manual fore and aft
  • Forward collision warning Automatic Emergency Braking forward collision miti…
  • Front anti-roll Front anti-roll bar
  • Front cornering lights
  • 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 passenger lumbar Front passenger seat with 2-way power lumbar
  • Front reading lights
  • Front seat upholstery Leather 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 …
  • Fuel Type Regular Unleaded
  • Fuel door lock Power fuel door lock
  • Gage cluster display size (inches) Gage cluster display size: 5.70
  • Garage door opener
  • Gauge cluster
  • Gearshifter material Urethane gear shifter material
  • Glass
  • Glove box Illuminated locking glove box
  • Glovebox
  • Grille style Chrome grille
  • Hands-Free Liftgate
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Headlamps
  • Headlight type Projector beam headlights
  • Headlights LED 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 steering wheel
  • Height adjustable seatbelts Front height adjustable seatbelts
  • High mount stop light High mounted center stop light
  • Hill start assist
  • Horn
  • 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
  • IntelliBeam
  • Interior accents Metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Internet access Wi-Fi Hotspot capable mobile hotspot internet access
  • Key in vehicle warning
  • Keyfob cargo controls Keyfob trunk control
  • Keyfob door locks Keyfob activated door locks
  • Keyless Entry
  • Keyless Start
  • Knee airbag Driver side knee airbag
  • LED brake lights
  • Laminated window Laminated side window glass
  • Lamp
  • Lamps
  • Lane Change Alert with Side Blind Zone Alert
  • Lane Departure Warning
  • Lane Keep Assist with Lane Departure Warning
  • Lane departure Lane Keep Assist
  • Leather Seats
  • Lighting accent
  • Lock-up transmission
  • Locking hub control Auto locking hub control
  • Low level warnings Low level warning for oil, fuel, washer fluid and brake f…
  • Low tire pressure warning Tire specific low air pressure warning
  • Maintenance warranty 12 month/unlimited
  • Memory Package
  • Memory Seat
  • Memory settings Memory settings include: door mirrors, steering wheel and au…
  • Mirror
  • Mirrors
  • Mobile app access MyCadillac mobile app access
  • Navigation System
  • Noise cancellation Active noise cancellation
  • Number of airbags 7 airbags
  • Number of beverage holders 4 beverage holders
  • 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 gage
  • Oil pressure warning
  • Oil temperature gage
  • One-touch down window Front and rear one-touch down windows
  • One-touch up window Driver and passenger one-touch up windows
  • Over the air updates
  • Overdrive transmission
  • Overhead airbags Curtain first and second-row overhead airbags
  • Overhead console Mini overhead console
  • Overhead console storage
  • Paint Tri-coat paint
  • Panel insert Genuine wood and metal-look instrument panel insert
  • Parking sensors Front and Rear Park Assist 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…
  • Pedestrian detection Front Pedestrian Braking
  • 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 8 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/SiriusXMsatellite
  • Rain Sensing Front Wipers
  • Rain detecting wipers Rainsense rain detecting wipers
  • Real time traffic Real-time traffic
  • Real time weather Real-time weather
  • Rear Cross Traffic Alert
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear anti-roll Rear anti-roll bar
  • Rear bench seats Split-bench rear seat
  • Rear camera HD Rear Vision Camera rear mounted camera
  • Rear cargo door Power liftgate rear cargo door
  • Rear collision warning Rear Cross Traffic Alert collision warning
  • 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 check warning
  • Rear seat direction Front facing rear seat
  • Rear seat folding position Fold forward rear seatback
  • Rear seat reminder
  • Rear seat upholstery Leather 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
  • Rearview mirror Auto-dimming rear view mirror
  • Reclining rear seats Manual reclining rear seats
  • Remote panic alarm
  • Restricted driving mode Teen Driver restricted driving mode
  • Roadside warranty 72 month/70,000 miles
  • Roof rails
  • Running lights LED daytime running lights
  • Safety Alert Seat
  • Satellite trial 3 month satellite trial subscription
  • Seat
  • 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
  • Seek scan
  • Selectable mode transmission Drivesense selectable mode transmission
  • Sensor
  • Sequential shift control Sequential shift with steering wheel controls
  • Service interval warning Service interval indicator
  • Shock absorbers Gas-pressurized shock absorbers
  • Shutters Active grille shutters
  • Smart device integration Smart device wireless mirroring
  • Spare tire Compact spare tire with steel wheel
  • Spare tire location Spare tire mounted under the cargo floor
  • Speakers Bose Performance Series speakers
  • Speakers number 14 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
  • Spoiler Rear lip spoiler
  • Springs front Front coil springs
  • Springs rear Rear coil springs
  • Stability Control
  • Start-stop engine Auto stop-start engine
  • Steering
  • Steering Electric power-assist steering system
  • Steering column
  • Steering column lock
  • 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
  • Steering wheel material Leatherette steering wheel
  • Steering wheel telescopic Power telescopic steering wheel
  • Steering wheel tilt Power tilting steering wheel
  • Sunroof
  • Sunroof/Moonroof
  • Suspension
  • 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
  • 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
  • Tire
  • Tires
  • Tires P235/55HR20 AS BSW front and rear tires
  • Tool kit
  • Towing trailer sway Trailer sway control
  • Traction Control
  • Traction control
  • Traction control All-speed ABS and driveline traction control
  • Transfer case Electronic transfer case shift
  • Transmission 9-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission oil cooler
  • Trip computer
  • Trip odometer
  • Trunk hatch Trunk/hatch auto-latching
  • Trunk lid trim Plastic trunk lid trim
  • Turbocharged
  • Turn signal in door mirrors Turn signal indicator in door mirrors
  • Turn signal warning Turn signal on warning
  • Turn-by-turn nav Turn-by-turn navigation system
  • USB Port
  • USB ports 4 USB ports
  • Universal Home Remote includes garage door opener
  • Valet key
  • Variable intake manifold
  • Variable panel light Variable instrument panel light
  • Vehicle tracker Stolen Vehicle Assistance vehicle tracker with vehicle slowd…
  • Ventilated brakes Front and rear ventilated disc brakes
  • 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 audio Voice activated audio controls
  • Voltmeter
  • WIFI Hotspot
  • Wheel
  • Wheel locks Wheel security locks
  • Wheel well trim Body-colored wheel well trim
  • Wheels 20 x 8-inch front and rear polished w/painted accents aluminum wheels…
  • Window Trim Aluminum side window trim
  • Windows
  • Windshield
  • Wipers Variable intermittent front windshield wipers
  • Wireless Phone Charging (The system wirelessly charges one compatible mobile…
  • Wireless device charging Front wireless smart device charging
  • Wireless streaming Wireless audio streaming
2025 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

Seller’s info

Grubbs GMC of Wichita Falls

(168 reviews)
315 Central East Freeway Bldg D, Wichita Falls, TX 76301

Seller’s notes about this car

Crystal White Tricoat 2025 Cadillac XT5 3.6L V6 DI VVT 9-Speed Automatic AWD Premium Luxury New Feature 3, New Feature 4, 14 Speakers, 4-Wheel Independent Suspension, Air Conditioning, Air Ionizer, AM/FM radio: SiriusXM, Audio memory, Automatic Dual-Zone Climate Control, Automatic Emergency Braking, Automatic temperature control, Bose Performance Series 14-Speaker System, Dual Driver Info Center Display Gauge Cluster, Four wheel independent suspension, Front & Rear Park Assist, Front dual zone A/C, HD Rear Vision Camera, Heated Rear Outboard Seating Positions, Inside Rear-View Auto-Dimming Mirror, Memory seat, Navigation System, Power driver seat, Power steering, Power windows, Premium Luxury Package 1SD, Radio data system, Radio: Cadillac User Experience w/Embedded Nav, Rear window defroster, Remote keyless entry, SiriusXM w/360L Trial Subscription, Speed-sensing steering, Steering wheel memory, Steering wheel mounted audio controls, Teen Driver, Traction control, Tri-Zone Automatic Climate Control, Ventilated Driver & Front Passenger Seats, Wireless Apple CarPlay/Wireless Android Auto, Wireless Phone Charging.

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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 2025 Cadillac XT5.
(1 review)
Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 2.0
  • Value 2.0
  • Exterior 5.0
  • Reliability 2.0

Most recent consumer reviews

I’ve only had the car for four months and I’ve already

I’ve only had the car for four months and I’ve already had it back to the dealer in Farmingdale NY for over three weeks. Chronic defect in the transmission. In short they couldn’t fix the problem the first time around and the second time left a puddle of transmission fluid in my driveway with only 1800 miles on it. As a first time Cadillac client I have to say this has been a miserable experience.Be very careful because I’m now stuck with this vehicle for the term of the lease. The dealership was completely indifferent and I didn’t even receive a call from the manager to try to appease the situation. So I contacted Cadillac financial customer service who opened up a case and attempted to help me get the dealer to buy back the car which they denied. Just an awful situation

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 2.0
  • Value 2.0
  • Exterior 5.0
  • Reliability 2.0
  • Purchased a New car
  • Used for Commuting
  • Does not recommend this car
4 people out of 4 found this review helpful. Did you?
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See all 1 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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