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Car shopper resources

Basics

Exterior color
Mineral White Metallic
Interior color
Ivory White/Black
Drivetrain
Rear-wheel Drive
MPG
18–25

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
3L I-6 gasoline direct injection, DOHC, Double VANOS variable va
VIN
5UXKR2C54J0Z18870
Stock #
TJ0Z18870
Mileage
91,950 mi.

Features

Convenience
  • Heated Seats
  • Keyless Entry
  • Keyless Start
  • Navigation System
  • Power Folding Mirrors
  • Power Liftgate
Entertainment
  • Apple CarPlay®
  • Bluetooth®
  • CD Player
  • HomeLink
  • Premium Sound System
  • Satellite Radio
  • USB Port
  • WiFi Hotspot
Exterior
  • Alloy Wheels
  • Sunroof/Moonroof
Safety
  • Automatic Emergency Braking
  • Backup Camera
  • Blind Spot Monitor
  • Brake Assist
  • Lane Departure Warning
  • Rain Sensing Wipers
  • Stability Control
Seating
  • Leather Seats
  • Memory Seat
Additional popular features:
LED Headlights, Heated Steering Wheel, collision warning system, traffic sign recognition, parking distance sensors, parking assistance
View all features

Features

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

  • 12V power outlets 4 12V power outlets
  • 3-point seatbelt Rear seat center 3-point seatbelt
  • 3.0L DOHC I-6 24V TwinPower Turbo Engine
  • 4-Wheel Disc Brakes
  • A/C
  • ABS
  • ABS Brakes 4-wheel antilock (ABS) brakes
  • ABS Brakes Four channel ABS brakes
  • AM/FM Stereo
  • APPLE CARPLAY COMPATIBILITY
  • Accessory power Retained accessory power
  • Adaptive headlights Directionally adaptive headlights
  • Adjustable Steering Wheel
  • Air conditioning Yes
  • All-in-one key All-in-one remote fob and ignition key
  • Alternator Type Alternator
  • Aluminum Wheels
  • Ambient lighting
  • Amplifier 205W amplifier
  • Antenna Diversity antenna
  • Antenna Window grid audio antenna
  • Apple CarPlay
  • Armrests front center Front seat center armrest
  • Armrests rear Rear seat center armrest
  • Ashtray
  • Audio theft deterrent Audio system theft deterrent
  • Auto door locks Auto-locking doors
  • Auto headlights Auto on/off headlight control
  • Auto levelling headlights Auto-leveling headlights
  • Auto tilt steering wheel Auto tilt-away steering wheel
  • Auto-Dimming Rearview Mirror
  • Auto-dimming door mirror driver Auto-dimming driver side mirror
  • Auto-dimming door mirror passenger Auto-dimming passenger side mirror
  • Automatic Emergency Braking
  • Automatic Headlights
  • Aux input jack Auxiliary input jack
  • Auxiliary Audio Input
  • Back-Up Camera
  • Basic warranty 48 month/50,000 miles
  • Battery charge warning
  • Battery type Lead acid battery
  • Beverage holders Front beverage holders
  • Beverage holders rear Rear beverage holders
  • Blind Spot Monitor
  • Bluetooth Connection
  • Body panels Galvanized steel/aluminum/composite body panels with side impact…
  • Bodyside insert Aluminum bodyside insert
  • Brake Assist
  • Brake assist system
  • Brake pad warning Brake pad wear indicator
  • Brake type 4-wheel disc brakes
  • Bucket Seats
  • Bulb warning Bulb failure warning
  • Bumper insert Aluminum front and rear bumper inserts
  • Bumpers front Body-colored front bumper
  • Bumpers rear Body-colored rear bumper
  • CD Player
  • CD Single-disc CD player
  • CD location CD player located in the dashboard/instrument panel
  • CD-R compatible
  • Cabin air filter
  • Cargo Shade
  • Cargo access Power cargo area access release
  • Cargo cover Roll-up cargo cover
  • Cargo floor type Carpet cargo area floor
  • Cargo light Cargo area light
  • Cargo tie downs Cargo area tie downs
  • Child Safety Locks
  • Child door locks Manual rear child safety door locks
  • Cigarette lighter Front cigarette lighter
  • Climate Control
  • Climate control Automatic climate control
  • Clock Digital clock
  • Compass
  • Compressor Intercooled turbo
  • Concealed cargo storage Cargo area concealed storage
  • Console insert material Genuine wood console insert
  • Corrosion perforation warranty 144 month/unlimited
  • Cruise Control
  • Cruise control Cruise control with steering wheel mounted controls
  • Cylinder head material Aluminum cylinder head
  • DRIVING ASSISTANCE PACKAGE -inc: Lane Departure Warning Active Blind Spot …
  • DRL preference setting
  • Day/Night rearview mirror
  • Daytime Running Lights
  • Delay off headlights Delay-off headlights
  • 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 Body-colored door mirrors
  • Door mirror type Standard style side mirrors
  • Door mirror with tilt-down in reverse Power passenger door mirror with tilt …
  • Door panel insert Genuine wood and metal-look door panel insert
  • Door trim insert Leatherette door trim insert
  • Drive type Rear-wheel drive
  • Driver Adjustable Lumbar
  • Driver Air Bag
  • Driver Illuminated Vanity Mirror
  • Driver Vanity Mirror
  • Driver foot rest
  • Driver information center
  • Driver lumbar Driver seat with 4-way power lumbar
  • Driver seat direction Driver seat with 8-way directional controls
  • Drivetrain selectable Driving Experience Control driver selectable drivetrai…
  • Dual Climate Control
  • Dual-zone front climate control
  • Eco Feedback ECO feedback display gauge
  • Electronic parking brake
  • Electronic stability control DSC-X electronic stability control system with …
  • Emergency SOS Capable BMW Assist eCall vehicle integrated emergency SOS syst…
  • Emissions LEV3-ULEV125 emissions
  • Emissions tiers Tier 3 Bin 125 emissions
  • Engine 3L I-6 gasoline direct injection, DOHC, Double VANOS variable valve c…
  • Engine Cylinders I6
  • Engine Location Front mounted engine
  • Engine Mounting direction Longitudinal mounted engine
  • Engine block material Aluminum engine block
  • Engine temperature warning
  • Engine/electric motor temperature gauge
  • External memory External memory control
  • FINELINE OAK WOOD TRIM
  • 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
  • Floor mats Carpet front and rear floor mats
  • Fob engine controls Comfort Access with hands-free access and push button st…
  • Fog Lamps
  • Fog lights LED front fog lights
  • Folding door mirrors Power folding door mirrors
  • Folding rear seats 40-20-40 folding rear seats
  • Front Head Air Bag
  • Front Side Air Bag
  • Front anti-roll Front anti-roll bar
  • Front anti-whiplash head restraints Anti-whiplash front seat head restraints…
  • Front cornering lights
  • Front head restraint control Power 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 type Sport front bucket seats
  • Front seat upholstery Dakota leather front seat upholstery
  • Front seat upholstery Merino leather front seat upholstery
  • Front seat upholstery Nappa 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 Premium Unleaded
  • Fuel door lock Power fuel door lock
  • Garage door opener
  • Gearshifter material Leather and chrome gear shifter material
  • Generic Sun/Moonroof
  • Glove box Illuminated locking glove box
  • Grille style Metal-look grille with chrome surround
  • HD Radio
  • HEAD-UP DISPLAY
  • HID Headlights
  • HID headlights
  • Handsfree Bluetooth handsfree wireless device connectivity
  • Hard Disk Drive Media Storage
  • Head up display Head-up display
  • Head-Up Display
  • Headlight type Projector beam headlights
  • Headlights Bi-xenon high-intensity discharge low and high beam headlights
  • Headlights on reminder
  • Headlights-Auto-Leveling
  • Headliner coverage Full headliner coverage
  • Headliner material Cloth headliner material
  • Heated Front Seat(s)
  • Heated Mirrors
  • Heated Seats
  • Heated door mirrors Heated driver and passenger side door mirrors
  • Heated front seats Heated driver and front passenger seats
  • Heated wipers Heated front windshield jets
  • High mount stop light High mounted center stop light
  • Hill start assist
  • IVORY WHITE/BLACK DAKOTA LEATHER UPHOLSTERY
  • Ignition Spark ignition system
  • Illuminated entry
  • Illuminated glove box
  • Immobilizer
  • Instrumentation display Analog instrumentation display
  • Integrated Turn Signal Mirrors
  • Integrated navigation Integrated navigation system with voice activation
  • Interior accents Chrome and metal-look interior accents
  • Interior courtesy lights Fade interior courtesy lights
  • Interior lock disable
  • Intermittent Wipers
  • Internal storage GB 20 GB internal storage
  • Internal storage Internal storage capability
  • Internet access BMW Online full service internet access
  • Internet radio capability
  • Key in vehicle warning
  • Keyfob cargo controls Keyfob trunk control
  • Keyfob keyless entry
  • Keyfob sunroof controls Keyfob sunroof/convertible roof control
  • Keyfob window controls Keyfob window control
  • Keyless Entry
  • Keyless Start
  • Knee Air Bag
  • Knee airbag Driver and passenger side knee airbag
  • LED brake lights
  • Lane Departure Warning
  • Leather Seats
  • Leather Steering Wheel
  • 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
  • MINERAL WHITE METALLIC
  • MP3 Capability
  • Maintenance warranty 36 month/36,000 miles
  • Memory Seat
  • Memory settings Memory settings include: door mirrors and steering wheel
  • Mirror Memory
  • Multi-Zone A/C
  • Navigation System
  • Number of airbags 8 airbags
  • Number of beverage holders 8 beverage holders
  • Number of door entry light(s) 4 door entry light(s)
  • Number of doors 4 doors
  • Number of first-row screens 1 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
  • Overhead console Mini overhead console
  • PREMIUM PACKAGE -inc: 4-Zone Automatic Climate Control Comfort Access Keyl…
  • Paint Metallic paint
  • Panel insert Genuine wood and metal-look instrument panel insert
  • Panoramic Roof
  • Parking sensors Park Distance Control front and rear parking sensors
  • Pass-Through Rear Seat
  • Passenger Adjustable Lumbar
  • Passenger Air Bag
  • Passenger Air Bag Sensor
  • Passenger Illuminated Visor Mirror
  • Passenger Vanity Mirror
  • 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 Door Locks
  • Power Driver Seat
  • Power Folding Mirrors
  • Power Liftgate
  • Power Mirror(s)
  • Power Passenger Seat
  • Power Steering
  • Power Windows
  • Power driver seat controls Driver seat power reclining, lumbar support, cush…
  • Power driver seat controls Driver seat power reclining, lumbar support, seat…
  • Power passenger seat controls Passenger seat power reclining, lumbar support…
  • Power passenger seat controls Passenger seat power reclining, lumbar support…
  • Powertrain type ICE
  • Powertrain warranty 48 month/50,000 miles
  • Premium Sound System
  • Primary display size 10.2 inch primary display
  • Primary display touchscreen Primary monitor touchscreen
  • Privacy Glass
  • RDS Radio data system (RDS)
  • Radiator
  • Radio AM/FM/digital/satellite prep
  • Rain Sensing Front Wipers
  • Rain Sensing Wipers
  • Rain detecting wipers
  • Real time traffic Real-time traffic
  • Rear Bench Seat
  • Rear Defrost
  • Rear Head Air Bag
  • Rear Parking Aid
  • Rear Spoiler
  • Rear Springs Regular grade rear springs
  • Rear Wheel Drive
  • Rear anti-roll Rear anti-roll bar
  • Rear camera Surround View rear mounted camera
  • Rear cargo door Power liftgate/tailgate rear cargo door
  • Rear console climate control ducts
  • 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 reading lights
  • Rear seat direction Front facing rear seat
  • Rear seat folding position Fold forward rear seatback
  • Rear seat upholstery Sensatec leatherette rear seat upholstery
  • Rear seatback upholstery Carpet rear seatback upholstery
  • Rear seats Split-bench rear seat
  • 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
  • Rearview mirror Auto-dimming rear view mirror
  • Remote Trunk Release
  • Remote panic alarm
  • Requires Subscription
  • Residual heat recirculation
  • Roadside warranty 48 month/unlimited
  • Rocker panel extensions
  • Roof rails
  • Running lights LED daytime running lights
  • SATIN ALUMINUM ROOF RAILS
  • Seat Memory
  • 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 Driving Dynamics Control selectable mode transm…
  • Sequential shift control
  • Service interval warning BMW TeleServices service interval indicator
  • Shock absorbers Gas-pressurized shock absorbers
  • Speakers Standard grade speakers
  • Speakers number 10 speakers
  • Special paint Monotone paint
  • Speed sensitive steering Servotronic speed sensitive power steering
  • Speed sensitive wipers
  • Split front seats Bucket front seats
  • Spoiler Rear lip spoiler
  • Sport steering wheel
  • Springs front Front coil springs
  • Springs rear Rear coil springs
  • Stability Control
  • Start-stop engine Auto stop-start engine
  • Steering Electric power-assist steering system
  • Steering Wheel Audio Controls
  • Steering mounted audio control Steering wheel mounted audio controls
  • Steering mounted climate control Steering wheel mounted climate controls
  • Steering type Rack-pinion steering
  • Steering wheel material Leather steering wheel
  • Steering wheel telescopic Power telescopic steering wheel
  • Steering wheel tilt Power tilting steering wheel
  • Sun/Moonroof
  • Suspension Standard ride suspension
  • Suspension ride type front Independent front suspension
  • Suspension ride type rear Independent rear suspension
  • Suspension type front Double wishbone front suspension
  • Suspension type rear Multi-link rear suspension
  • TRANSMISSION: SPORT AUTOMATIC (STD)
  • Tachometer
  • Tailgate control Tailgate/power door lock
  • Tailpipe Stainless steel quasi-dual exhaust with chrome tailpipe finisher
  • Telematics
  • Temperature display Exterior temperature display
  • Third-row windows Fixed third-row windows
  • Tinted windows Deep tinted windows
  • Tire Pressure Monitor
  • Tires - Front Performance
  • Tires - Rear Performance
  • Tires P275/40WR20 run-flat performance BSW front tires and P315/35WR20 run-f…
  • Traction Control
  • Traction control All-speed ABS and driveline traction control
  • Transmission 8-speed automatic
  • Transmission Type Automatic
  • Transmission electronic control
  • Transmission fluid temperature warning Transmission fluid temp warning
  • Trip Computer
  • 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
  • USB Port
  • USB ports 2 USB ports
  • Universal Garage Door Opener
  • Valet key
  • Variable Speed Intermittent Wipers
  • Variable intake manifold
  • Variable panel light Variable instrument panel light
  • Vehicle tracker
  • 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
  • Voice activated audio Voice activated audio controls
  • WHEELS: 20' X 10' FR & 20' X 11' RR (STYLE 451) -inc: Light alloy Y-spoke …
  • WIFI Hotspot
  • Weatherband Weatherband radio reception
  • Wheel well trim Body-colored wheel well trim
  • Wheels 19 x 9-inch front and rear silver aluminum wheels
  • Wheels 20 x 10-inch front and 20 x 11-inch rear black aluminum wheels
  • Wheels 20 x 10-inch front and 20 x 11-inch rear silver aluminum wheels
  • Wheels 20 x 10-inch front and 20 x 11-inch rear silver w/painted accents alu…
  • Window Trim Aluminum side window trim
  • Windshield trim Black windshield trim
  • Wipers Variable intermittent front windshield wipers
  • Wireless streaming Bluetooth wireless audio streaming
  • Woodgrain Interior Trim

Vehicle history by CARFAX

Accidents or damage
None 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

Century BMW

(1,021 reviews)
2934 Laurens Rd, Greenville, SC 29607

Seller’s notes about this car

2018 BMW X5 sDrive 35i Experience the perfect blend of athletic performance, premium comfort, and versatile practicality with the 2018 BMW X5 sDrive35i, now available at Century BMW. As one of the most recognized luxury SUVs in its class, the X5 offers a dynamic driving experience with refined styling, advanced technology, and a spacious, family-friendly design. Built to deliver both excitement and everyday usability, the X5 sDrive35i remains a standout choice for those who expect more from their SUV.The 2018 X5 sDrive35i is powered by a turbocharged inline-six engine paired with a smooth-shifting automatic transmission. This combination delivers confident acceleration, strong passing power, and refined efficiency. With rear-wheel drive and BMW's precision-tuned suspension, the X5 provides balanced handling and a comfortable ride, whether you're navigating city streets, taking a road trip, or enjoying winding backroads. Its sporty character shines through while maintaining the practicality needed for daily use.Step inside and discover a cabin designed with craftsmanship and driver-focused detail. The interior features supportive seating, high-quality finishes, and an intuitive layout that makes every drive enjoyable. A user-friendly infotainment system with a large display provides access to navigation, entertainment, and connectivity features, while Bluetooth, smartphone integration, and premium audio ensure a connected and entertaining ride for all passengers. Ample legroom in both rows and generous cargo capacity make it as versatile as it is luxurious.The X5 sDrive35i also excels in safety and driver assistance. Features such as stability control, a rearview camera, multiple airbags, and available driver-assistance systems like adaptive cruise control and lane-departure warning enhance confidence and security. This combination of advanced engineering and thoughtful technology makes the X5 an ideal companion for families and individuals alike.The 2018 BMW X5 sDrive35i is more than just a luxury SUV---it's a versatile vehicle that combines performance, comfort, and technology in a refined package. Whether you're looking for driving excitement or everyday practicality, this SUV delivers both in true BMW style.Stop By TodayLive a little- stop by Century BMW located at 2934 Laurens Rd, Greenville, SC 29607 to make this vehicle yours today!
To ensure the best experience, call Century BMW's customer care team to check the availability of the vehicle before you arrive.

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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 2018 BMW X5.
(70 reviews)
Rating breakdown (out of 5):
  • Comfort 4.8
  • Interior 4.9
  • Performance 4.9
  • Value 4.5
  • Exterior 4.9
  • Reliability 4.7

Most recent consumer reviews

Thanks to Shawn, Salma and everyone at Offlease Orlando

Thanks to Shawn, Salma and everyone at Offlease Orlando for getting my family into our dream car. You all were very helpful, effective, and so nice to us! We couldn’t be happier.

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
0 people out of 0 found this review helpful. Did you?
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Before you buy any BMW older than 2018, check out the

Before you buy any BMW older than 2018, check out the Isley V BMW lawsuit. You will find the V8 in all pre 2018 BMW's to be problematic for oil leaks and valve stem failures due to defective engine design and excessive heat. I have this X5 with the V8 and it's a wonderful car to drive and look at. It's my 5th BMW and by far the most reliable. Unfortunately, even with all the meticulous care, my car has experienced the oil leak and smoking exhaust, just like all the N63 & N63TU engines through 2018 will experience this problem and the cost to repair exceeds $20K from the dealer. If you find one that had the valve stem seals replaced, I wouldn't hesitate to buy it, it's a great vehicle in many ways.

Rating breakdown (out of 5):
  • Comfort 4.0
  • Interior 4.0
  • Performance 4.0
  • Value 2.0
  • Exterior 5.0
  • Reliability 2.0
  • Purchased a Used car
  • Used for Commuting
  • Does recommend this car
4 people out of 6 found this review helpful. Did you?
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Beware the lemon in year 5+

Bought this 2018 X5 plug-in hybrid in Feb 2023 with 13750 miles, by January 2024 it had 4 major repairs and was not drivable totaling $10K out of pocket in my first year of used car ownership. The electric parking break module, windshield washer pump, rear air suspension and topped off with transmission issues at 36700 miles were the defects. The transmission issue would have been in warranty except for age. BMW North America offers to pay for $2200 in parts but left me to pay the $3K in labor acknowledging the car was not right but not fully standing behind its reliability. Traded it in at a huge loss as the final issues had potential to lead to reduced compressor life and more transmission issues. Very disappointed as I loved the car but could not stomach nearly $1K a month etc cost of ownership. Probably would have stuck with it if BMW stood behind it, but….

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 1.0
  • Exterior 5.0
  • Reliability 1.0
  • Purchased a Used car
  • Used for Commuting
  • Does not recommend this car
18 people out of 21 found this review helpful. Did you?
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See all 70 consumer reviews

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Dealer Disclaimer: Price includes a $399 closing fee and excludes tax, tag, other governmental fees, freight and destination charges if any, and dealer installed options.

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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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