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Used cars for sale near Lufkin, TX under $40,000

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100 matches 30 miles from 75915
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
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Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Calypso Red
Int. color: Obsidian Black
Drivetrain: Front-wheel Drive
MPG: 22-28
Fuel type: Gasoline
Transmission: Shiftronic
Engine: 2.5L I4
Stock #: SU869215A
VIN: 5NMS54AL6NH422811

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Hyundai of Lufkin review

I bought a car...

I had a really good experience here. My salesperson, Randy, was very knowledgeable about all of their cars and helped me to pick out a car I really love.

2022 Hyundai SANTA FE Calligraphy review

I've owned about 20 new vehicles and sold cars for 22

I've owned about 20 new vehicles and sold cars for 22 years, did a ton on research and ended up with the Caligraphy, it gives you so many features I wanted for a reasonable price. The engine is great and has plenty of power, great stereo, great highway cruiser as well. I have 32k miles, Hyundai has covered all my maintenance, and no warranty claims so far. Great Value! I have normally owned Toyota and Honda but wanted some features they either didn't have or I would have had to go to Lexus or Acura and pay way more for what I wanted.

Vehicle information

Ext. color: Super White
Int. color: Black
Drivetrain: Rear-wheel Drive
MPG: 20-23
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 2.7L SMPI DOHC
Stock #: SU250106A
VIN: 3TYAX5GN4MT020967

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

2021 Toyota Tacoma SR5 review

My 2010 had 317,000 miles when I bought my 2021.

My 2010 had 317,000 miles when I bought my 2021. I absolutely love the changes that toyota has made. My 2021 is a perfect truck for comfort and reliability.

Vehicle information

Ext. color: Ebony Twilight Metallic
Int. color: Ebony
Drivetrain: Front-wheel Drive
MPG: 23-31
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 2.0L Turbocharged
Stock #: SE016883A
VIN: LRBFZNR46PD034206

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
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

Reviews

2023 Buick Envision Essence review

My only complaint is that I cannot seem to close the door

My only complaint is that I cannot seem to close the door mirrors. Small complaint and not really a flaw but cosmetic. The car is amazing. It has plenty of room and acceleration. It is comfortable and luxurious too.

Vehicle information

Ext. color: Supersonic Red/Midnight Black Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 28-39
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.5L I4 DOHC 16V
Stock #: SH513545A
VIN: 4T1G11AK2MU411265

Features

Convenience: Adaptive Cruise Control, Keyless Entry
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

2021 Toyota Camry SE review

Almost perfect

I have 34K miles on my '21 Camry and have enjoyed every mile! Traveling from FL to MN and back every year, we get 39+ MPG at 75 MPH (who needs hybrid or electric). The 4 banger engine provides more than adequate power. The transmission is the only weak point - Probably the worst automatic trans I have ever owned. It hunts and shifts to a lower gear needlessly at just about any speed.

Vehicle information

Ext. color: Ultimate Red
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 28-36
Fuel type: Gasoline
Transmission: 7-Speed Dual Clutch DCT
Engine: I4
Stock #: SU977635A
VIN: KMHLR4AF4PU587380

Features

Convenience: Cooled Seats, Heated Seats, Keyless Entry, Keyless Start, Navigation System
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, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

2023 Hyundai ELANTRA N Line review

amazing place to buy

amazing staff - best inventory in town - best customer service in the industry - did not take much time to get in and out follow was stellar as well

Vehicle information

Ext. color: Bronze Metallic
Int. color: Beige
Drivetrain: Front-wheel Drive
MPG: 19-28
Fuel type: Gasoline
Transmission: 6-Speed Automatic with Sportmatic
Engine: V6
Stock #: SH494267B
VIN: KNALN4D76F5173821

Features

Convenience: Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, HomeLink
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2015 Kia Cadenza Premium review

Overall great road car, Responsive

Love the handling and comfort on the road. Mpg was true to the advertising. The windshield recall was done, with a comped rental. There does seem to be a lag on factory to dealer info relative to the fix on the HECE correction

Vehicle information

Ext. color: White Pearl
Int. color: Gray
Drivetrain: All-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic with SHIFTRONIC
Engine: 2.5L I4 DGI DOHC 16V LEV3-SULEV30 187hp
Stock #: RH420709
VIN: 5NMJBCDE3RH420709

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

2024 Hyundai TUCSON SEL review

After trying out dozens of different makes & models

After trying out dozens of different makes & models (looking for a used, comfortable 1 or 2 yr old car) we found our Tucson on a show-room floor with everything we wanted (except CD player) & paid less than what we were looking at with an older model of anything else! (would have given the car a 5 Star rating for interior, but center counsel is awkward to get into while driving & not quite enough small storage spaces.. other than that.. it's our 1yr anniversary with the car & we're Still learning all the buttons! We bought the car in Janesville, Wisc. The dealerships here in Rockford were pushy & wouldn't answer any questions unless we committed to buying with them. (Stay away!!)

Vehicle information

Ext. color: Hampton Gray
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 19-27
Fuel type: Gasoline
Transmission: Shiftronic
Engine: 2.5L I4
Stock #: SH132913A
VIN: 5NTJCDDF8RH113939

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System
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

Reviews

2024 Hyundai SANTA CRUZ NIGHT review

Had my night for 16 months, no problems, wicked fast with

Had my night for 16 months, no problems, wicked fast with the turbo. Great combination of truck, suv and sports car. 25 mpg around town, over 30 on some highway trips. Comfortable ride with all the new stuff, phone projection, lane departure, driver assist, etc. Hyundai dealerships suck, I do most of the maintence myself.

Vehicle information

Ext. color: Billet Silver Clearcoat Metallic
Drivetrain: Four-wheel Drive
MPG: 19-24
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 5.7L V8 16V MPFI OHV
Stock #: 24152A
VIN: 1C6SRFFT6MN623321

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels, Tow Hitch
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Lufkin Ford review

Found a great deal online!

I found a Ford Expedition King Ranch Edition on cars.com at Lufkin Ford. I contacted them to find out all the details, and Michael Taylor contacted me very soon after. We discussed the Expedition and made the deal over the phone! Next was getting from NW Iowa to East Texas to pick it up! We flew to Houston, and Michael had arranged for a driver to pick us up at the airport! Pat had driven an hour and 40 minutes one-way to get us! We had a nice visit with him on the way back to Lufkin, and when we arrived, Michael was there to greet us. The truck was ready, so he gave me the keys and told us to take it for a drive and grab lunch if we were hungry. When we got back, Craig was ready to complete the paperwork. My wife had noticed a line on the hood, which was left after a bug screen had been removed. Michael had the Expedition taken back to the shop and the guys buffed out the line while we did the paperwork! Within a couple hours of arriving in Lufkin, my wife and I were in the Expedition and heading north! I would highly recommend Lufkin Ford to anyone considering buying a vehicle from them!

2021 RAM 1500 Big Horn review

My driving experience with 2021 classic Ram

I bought a 2021 classic 1500 4x2 quad cab with 5.7 Gas engine. There were 2 rear differential axle gear ratio options, mine has the “hiway gear” but the truck pulls with plenty of power, I think most had that gear for fuel economy. I don’t like the idea that if I open the drivers door while in motion , a transmission brake applies and abruptly stops the vehicle. I was parking in a very tight spot and cracked. The door open and to my surprise, , the truck jerked to a sudden stop. I personally do not care for the dash knob to select the gear, it’s another electronic component that can fail, which in fact has failed . in other trucks. The 5.7 Liter engine was designed with the oil filter to be very difficult to reach , almost as if designed ‘outside ‘ the chassis without realizing once ‘in’ the chassis, the oil filter became extremely difficult to reach to replace .

Vehicle information

Ext. color: Silver
Drivetrain: Four-wheel Drive
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 3.5L V6 24V PDI DOHC Twin Turbo
Stock #: 25042A
VIN: 1FTFW1E83NKD21491

Features

Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Safety: Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

Lufkin Ford review

Bought vehicles from Lufkin Ford for years.

Bought vehicles from Lufkin Ford for years. Think its been 9 purchases now. GREAT dealership to work with. Fair prices AND smooth transaction process. I am picky about my vehicles and Lufkin Ford ALWAYS exceeds my expectations.

2022 Ford F-150 XLT review

2022 F150 PowerBoost 3.

2022 F150 PowerBoost 3.5 twin turbo absolutely hauls xxx with phenomenal gas mileage on a 30 gallon tank. I’ve gotten a true 600 and 700 miles out of a tank of gas when it’s in Eco mode it will run on battery alone if you’re on flat level ground and maintain your speed that’s how they obtain so many miles out of a tank full of gas probably one of the best F1 50s I’ve owned and I’ve had several of them. If you leave it in tow Haul mode it will disengage the auto stop start so the vehicle remains on. It’s been absolutely bullet proof with zero issues. If I’m not driving the Dually Diesel F350 I’m driving this..

Vehicle information

Ext. color: Summit White
Drivetrain: Four-wheel Drive
MPG: 16-22
Fuel type: Gasoline
Transmission: 10-Speed Automatic
Engine: 5.3L V8 16V GDI OHV
Stock #: 24311B
VIN: 3GTU9DED3LG209453

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Tow Hitch, Tow Hooks
Safety: Backup Camera, Brake Assist, LED Headlights, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2020 GMC Sierra 1500 SLT review

Great truck!

I bought my 2020 with 36k miles a couple of years ago and I now have 60k miles of trouble free very enjoyable driving. It was expensive, but worth every penny. The ride is so quiet and comfortable my wife and I prefer traveling in it instead of our 2018 Acura MDX which we also love. The 5.3 V8 has plenty of power and towing ability. The multi-function tail gate is genius, I hope to never be without one again. We so enjoy all the bells and whistles, especially the wireless phone charger. So glad I bought this truck!

Vehicle information

Ext. color: Serenity White Pearl
Drivetrain: Front-wheel Drive
MPG: 20-29
Fuel type: Gasoline
Transmission: 8-Speed Automatic with Auto-Shift
Engine: 2.5L I4 16V PDI DOHC Turbo
Stock #: 24229A
VIN: 5NMP44GL7RH000634

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hitch
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, Third Row Seating

Reviews

2024 Hyundai SANTA FE Limited review

Recently purchased new Hyundai santa fe calligraphy

Recently purchased new Hyundai santa fe calligraphy loaded with all bell and features super quite and smooth ride sport mode pick up speed fast ans all the technology and safety features you can imagine headup display is truly amazing ans helpfully

Vehicle information

Ext. color: Silver Sky Metallic
Int. color: Cement
Drivetrain: Four-wheel Drive
MPG: 18-22
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 3.5L V6 24V PDI DOHC
Stock #: 25062B
VIN: 5TFCZ5AN3MX272470

Features

Convenience: Adaptive Cruise Control
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Tow Hitch
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Reviews

2021 Toyota Tacoma SR review

#1 choice for me!

For the size of motor it's surprisingly powerful. The transmission is smart and performs when needed, use the manual shift when needed. The ride is smooth, the suspension superior on the freeway handling anything I ask of it nicely. Off road it has traction features galore, nothing left for complaints. Best truck I ever owned.

Vehicle information

Drivetrain: Front-wheel Drive
MPG: 21-26
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.0L I4 16V GDI DOHC Turbo
Stock #: 3130
VIN: 2LMPJ6K98PBL05944

Features

Convenience: Heated Seats, Heated Steering Wheel, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio
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

Reviews

2023 Lincoln Nautilus Reserve review

My new 2023 Lincoln Nautilus!

I’ve been driving a Lincoln since 1999 but always a sedan. My last sedan was the 2017 Continental. It’s unfortunate that model is no longer made and sold in the U.S. I decided to trade in my high mileage 2017 for a new small SUV and decided on the Nautilus. It’s perfect for me as I don’t like driving a huge truck like vehicle! It has all the options I like and I truly enjoy driving it. I’ve had it for two weeks and I’m truly impressed with its handling and performance! The Revel sound system is awesome! Well done Lincoln!

Vehicle information

Ext. color: Black
Int. color: Brown
Drivetrain: Rear-wheel Drive
MPG: 17-22
Fuel type: Gasoline
Transmission: Automatic
Engine: 3.2L I-6 DOHC, variable valve control, premium unleaded, engine
Stock #: XA430023STK
VIN: WDBGA33G0XA430023

Features

Convenience: Keyless Entry
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Stability Control
Seating: Leather Seats, Memory Seat

Reviews

1999 Mercedes-Benz S-Class S 320 LWB 4dr Sedan review

Don't buy without at least one spare key

I bought this car while driving my 3rd Lexux LS-series and having owned the one Lexus GS400. I love this car after nine years of ownership. We even purchased the self-same 1999 S320 when he eventually saw my positive experience with it. Mercedes Benz, however, has abandoned this car and its current owners by seizing to make available the chip for any future ignition keys. If you lose your last one, my local Colorado dealership quoted me +/- $10,000 in labor to dismantle the dash, etc., to provide a new ignition.

Vehicle information

Ext. color: Iridium Metallic
Int. color: Cocoa
Drivetrain: Front-wheel Drive
MPG: 17-24
Fuel type: Gasoline
Transmission: Automatic
Engine: 3.6L V-6 gasoline direct injection, DOHC, variable valve control
Stock #: DJ104640STK
VIN: 5GAKRDKD7DJ104640

Features

Convenience: Cooled Seats, Heated Seats, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, CD Player, HomeLink, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

2013 Buick Enclave Premium review

great car

rides like a dream easy to park lots of room inside can carry whole family or put the seat down for construction load. It has a beautiful body and looks important on the road

Vehicle information

Ext. color: Maroon
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 23-34
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1.5L I-4 gasoline direct injection, DOHC, Ti-VCT variab
Stock #: HR270311STK
VIN: 3FA6P0HD7HR270311

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, CD Player, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2017 Ford Fusion SE review

Ford Fusion Sport

2017 Ford Fusion Sport: I bought this car April 2019 with approximately 6000 miles on it. It was a personal lease vehicle from Michigan that sold at auction to the dealership I purchased it from in Wisconsin. I currently have 55,000 miles on it. I bought this car because of its power and stability on the road. I took it on a round trip from Wisconsin to Maine and back and it performed beautifully while averaging 30+ miles per gallon. The myriad features on this car are incredible. From adaptive cruise control and lane deviation sensors to automated ride suspension, this has been a joy to own and drive. Auto dimming rear view and side view mirrors make driving easy, day and night. Remote start during winter months is a huge feature, especially with the heated seats, steering wheel and climate control. The sporty look and feel of this car along with its streamlined design make me a proud owner. I’ve received many compliments by onlookers.

Vehicle information

Ext. color: Gold Mist
Int. color: Shale/Brownstone Accents
Drivetrain: Front-wheel Drive
MPG: 18-25
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecotec 3L V-6 gasoline direct injection, DOHC, variable valve co
Stock #: AS516076STK
VIN: 3GYFNAEY8AS516076

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, CD Player, DVD Player, Premium Sound System, Rear Seat Entertainment, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2010 Cadillac SRX Luxury Collection review

Best car I ever drove ….

Best car I ever drove …..so smooth you don’t realize how fast you are going. Till you are at 90 think f-no.. lol. Expensive if caught.

Vehicle information

Ext. color: Black
Drivetrain: All-wheel Drive
MPG: 19-24
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 3.8L V6 24V GDI DOHC
Stock #: 278870
VIN: KM8R7DHE9MU278870

Features

Convenience: Adaptive Cruise Control, Heated Steering Wheel, Navigation System, Power Liftgate, Remote Start
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels
Safety: Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat, Third Row Seating

Reviews

Gound Chevrolet review

rcshirley@suddenlink.net

Always terrific in every department! The service staff, sales personnel and office staff are always ready to help!

2021 Hyundai PALISADE Calligraphy review

I have owned over 10 different midsize SUVs from the

I have owned over 10 different midsize SUVs from the Mazda, Blazer, Highlander, land cruiser, and others. I have found that the palisade is by far the best I have ever. Now, if I could just figure out all of the electronics available, I would be very very happy.

Vehicle information

Ext. color: Summit White
Int. color: Medium Pewter
Drivetrain: Rear-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 6.0L V8 16V MPFI OHV
Stock #: 229376
VIN: 1GAZGPFG6H1229376

Features

Safety: Stability Control

Reviews

Gound Chevrolet review

ltaylor@wodenisd.org

Great service and no pressure to buy. I would definitely buy another vehicle from them.

2017 Chevrolet Express 3500 LT review

perfect to tow our travel trailer

We are planning a 6 month road trip from Florida to California and back. This will be the PERFECT vehicle to tow our trailer there and back.

*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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