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Used Toyota RAV4 for sale near Wilmington, OH

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59 matches 30 miles from 45177
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Used

2022 Toyota RAV4 XLE

27,713 mi.
$29,965
Bob Ross Buick GMC
(130 reviews)
Dayton, OH

Vehicle information

Ext. color: Midnight Black Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-iE varia
Stock #: P1697A
VIN: 2T3W1RFV1PW267412

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Power Liftgate
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

Reviews

Bush Auto Place review

Nice place.

It's a nice place to shop for a new or used vehicle. Easy to work with. Friendly and courteous staff. They had what we were after at a good price.

2023 Toyota RAV4 XLE review

Great car overall but have have had problems with

Great car overall but have have had problems with radio/screen. Needed to go back to dealer to reboot. As a current owner of now 2 Toyotas only disappointment was service.

Vehicle information

Ext. color: Shoreline Blue Pearl
Int. color: Ash
Drivetrain: All-wheel Drive
MPG: 22-29.00
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: T18217
VIN: 2T3BFREV2DW073954

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player, USB Port
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Voss Toyota review

Was informed the power was out at Voss !

I received a call from Voss this morning telling me the reason for no answer yesterday because they had no power ! I appreciate their quick response this morning and they answered my question. Thank you Voss Toyota !

2013 Toyota RAV4 LE review

The RAV4 is the best running car I’ve ever had.

I love my 2013 RAV4. It runs great. I haven’t had any problems with it. The key is to always keep up the maintenance Toyota makes the best cars.

Vehicle information

Ext. color: Super White
Int. color: Ash
Drivetrain: Four-wheel Drive
MPG: 21-27
Fuel type: Gasoline
Transmission: 4-Speed Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: CW229973
VIN: 2T3BF4DV5CW229973

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Safety: Automatic Emergency Braking, Brake Assist, Stability Control

Reviews

2012 Toyota RAV4 Base review

I've had mine for three years and absolutely love my car!

I've had mine for three years and absolutely love my car!!! I'm to the point in life where I really don't drive much, and can certainly use the money. But, I won't sell if the price isn't comparable to the worth.

Vehicle information

Ext. color: Green
Int. color: TAN
Drivetrain: Four-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 26709146
VIN: 2T3DFREV5EW225607

Features

Convenience: Navigation System
Entertainment: Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning
Seating: Leather Seats, Memory Seat

Reviews

CarMax Dayton review

Pleasant & efficient process

I purchased a vehicle on 2/16/2023. The process was fast and efficient. The staff was extremely helpful and there was zero sales pressure. The CarMax financing offer was as good as I had found independantly.

2014 Toyota RAV4 Limited review

rav4 very gud

Overall, the RAV4 is a great car for commuting, families of four, and space. The RAV4 is the best when it comes to reliability. The RAV4 is very spacious in the second row and the trunk and the car offers comfortable seats. The RAV4 gets okay fuel economy but it does do decent in the snow. However there are some things that it lacks. The RAV4's navigation system is very frustrating to use, just use google maps instead. The RAV4's interior quality is not that great either, there are tons of fake buttons and plastic throughout the interior, but no one who buys a RAV4 cares about the interior. The RAV4 has decent styling, but it is not as stylish as the Mazda CX-5. The RAV4 only has 1 engine option, but does not feel underpowered. The RAV4 also doesn't have a very quiet or comfortable ride. Even though the seats are comfortable, the ride is loud and the inside rattles frequently. If you don't care about luxury and want a practical, reliable car, the RAV4 is perfect.

Vehicle information

Ext. color: Gray
Int. color: GRAY
Drivetrain: Rear-wheel Drive
MPG: 28-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Gas
Stock #: 26977971
VIN: 2T3W1RFV4MW116009

Features

Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Lane Departure Warning

Reviews

2021 Toyota RAV4 XLE review

I purchased this vehicle used from the Dealer The

I purchased this vehicle used from the Dealer The vehicle runs very smooth very economical on fuel Holds its value I recommend this vehicle to everyone

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 000653
VIN: JTMDFREV0DD000653

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Power Liftgate
Entertainment: Bluetooth®, CD Player
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Memory Seat

Reviews

Wholesale Direct Motors review

Purchasing my dakota

Great customer service. Blake and the whole crew was amazing to deal with. I only had one vehicle in mind but if I had to pick something else they would have had it!

2013 Toyota RAV4 Limited review

2013 Rav4

Car is very reliable, i have had it almost 10 years. It has 155,000 mi Have replaced the normal things like brakes and tires. It has a stiff ride, changed shocks and struts and still stiff. which is the #1 disappointment. Between 45 and 55 it has a bad vibration..

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: P11133
VIN: JTMRFREV6GD191134

Features

Convenience: Keyless Entry, Power Liftgate
Entertainment: Bluetooth®, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

Frontier Motors review

Everyone was very nice and informative about the vehicle

Everyone was very nice and informative about the vehicle I bought. They helped with anything that was needed. IF I ever need another car I will certainly go back to them. You couldn't find a better group of people like frontier motors.

2016 Toyota RAV4 XLE review

We absolutely love our Rav 4!

We absolutely love our Rav 4! In fact, we’re planning on buying another one soon! Best vehicle we’ve ever owned except for the dealership we bought it from. We’re definitely buying from another dealership when we buy a new one. This one was used with pretty low miles but the dealership treated us horribly. The radio and entertainment system broke the first week after we bought it and the brakes started squealing. Also the tires they put on were the cheapest tires on the market so it’s not as good in the snow as it could be if it had good tires on it. Otherwise, it’s a phenomenal vehicle. Wouldn’t hesitate to buy one. We absolutely love it!!!

Vehicle information

Ext. color: ORANGE
Int. color: Black
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L
Stock #: 12361
VIN: JTMDFREV1GD193044

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, HomeLink, 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: Memory Seat

Reviews

VIP Auto Sales & Service review

A+ customer service

Joe is an honest and trustworthy man. He helped me with buying my 15 passenger van and went out of his way for me to see and test drive it as it was getting an alignment. Then, I went inside and Sam matched Joe’s expertise and had a great deal of patience with me. I will not hesitate buying my next vehicle from VIP. Jim Them

2016 Toyota RAV4 Limited review

Just saying..

Oil changes cost too much. Other than that and replacing tires and battery which are both costly the car is great. Toyota is by and large a great company. I just wish we could keep costs down

Vehicle information

Ext. color: Ruby Flare Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-iE varia
Stock #: 54302M
VIN: 2T3W1RFV6PW265347

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, 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

Reviews

Jeff Schmitt Chevrolet North review

Encore

Salesman was excellent and location good Good service. Should give refund or transfer on. East are when care was totaled in three months

2023 Toyota RAV4 XLE review

CarPlay and Toyota Drive Connect Issue

I recently purchased a 2023 RAV4 Hybrid and love the car in general. That said, I have one major complaint. Shortly after purchasing the vehicle, I was using my iPhone connected to the Multi-media screen through CarPlay, when the iPhone maps app disappeared and I got a splash screen saying “Experience Toyota Drive Connect.” There was no way to exit this screen apart from pulling over and restarting the car and reconnecting the iPhone. I googled this issue and saw various possible solutions, but none worked. I called Toyota and after multiple delays, was told that the only way to get rid of this screen is to purchase a subscription to “Go Anywhere” which includes Drive Connect and Remote Connect. The cost is $15 per month, plus whatever tax you pay in your locale. While Go Anywhere has some nice features, it should be an option, not a mandated purchase to utilize CarPlay. It seems to me that this is essentially extortion, forcing owners to purchase a subscription in order to use CarPlay. This is beneath the high standards of Toyota. I’m sure that Toyota could disable this splashscreen easily should they so desire.

Vehicle information

Ext. color: Wind Chill Pearl
Int. color: Nutmeg
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.5L I4 16V PDI DOHC
Stock #: RW337526
VIN: 2T3C1RFV8RW337526

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Kings Toyota review

Very professional nice explanation was informative got my

Very professional nice explanation was informative got my car done quicker then expected I was very happy

2024 Toyota RAV4 XLE Premium review

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.

Vehicle information

Ext. color: Ruby Flare Pearl
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-34
Fuel type: Gasoline
Transmission: 8-Speed Automatic
Engine: 2.5L I4 16V PDI DOHC
Stock #: PW268403
VIN: 2T3W1RFV5PW268403

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Kings Toyota review

Great service once I had an appointment.

Great service once I had an appointment. Took 2 days to get someone to call me back for an appointment and the app kept saying I didn’t need 10000 mile service when I did. That part of the process was terrible.

2023 Toyota RAV4 XLE review

Great service

Went to the dealership for my first service. Dawn Thomas was my advisor. She did a fantastic job of explaining the process and what to expect in the future. Thanks Dawn

Vehicle information

Ext. color: Blizzard Pearl
Int. color: Latte
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: FW339428A
VIN: 2T3DFREV3FW339428

Features

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

Reviews

Performance Kings Honda review

I’m straight to the point and negotiate and so are they.

I’m straight to the point and negotiate and so are they. Even though I couldn’t make a deal I respect how they do business

2015 Toyota RAV4 Limited review

Bought used in 2018.

Bought used in 2018. Car has been incredibly reliable. Besides one brake job, one set of tires, and one battery I have not done anything except oil changes. Not even a taillight.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Ash
Drivetrain: Front-wheel Drive
MPG: 23-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 283562A
VIN: JTMWFREV0GJ063878

Features

Convenience: Keyless Entry, Power Liftgate
Entertainment: Bluetooth®, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

Mike Castrucci Ford review

Good.

Good. Wish it came with an owners manual book. Truck could have been washed better.

2016 Toyota RAV4 XLE review

363.000 miles and going!!!

I bought my car new Nov 23rd of 2016. I now have 363,000 miles on it and I LOVE it. I drive a ton, all my expenses are my own and this car is the best car I have had. Very low maintenance! My first set of tires made it to over 100,000 miles same with front brakes. My rear brakes made it over 200,000 miles before I had to change them! I fixed the water pump, right side hubs and regular maintenance and that is it! I do regular oil changes and tire rotations at 10,000 miles. I am mostly highway miles. I have been debating more room and getting a Sienna, but I know my Rav is reliable and I am nervous to try something else.

Vehicle information

Ext. color: Midnight Black Metallic
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 27-35
Fuel type: Gasoline
Transmission: Automatic
Engine: Dynamic Force 2.5L I-4 port/direct injection, DOHC, VVT-i variab
Stock #: 54330
VIN: 2T3W1RFV8RW339029

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, 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

Reviews

2024 Toyota RAV4 XLE review

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.

Vehicle information

Ext. color: Super White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 283532
VIN: 2T3DFREV0FW316348

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, CD Player, Premium Sound System, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Stability Control
Seating: Memory Seat

Reviews

Mike Castrucci Ford review

I found the car I wanted.

I found the car I wanted. I went in and met with David sales person. He made the process extremely easy and no pressure. The same thing happened when I went to sign the document, including an offer to buy extended insurance. It was very quick, simple and zero pressure

2015 Toyota RAV4 Limited review

A lot of the other reviews go over build quality,

A lot of the other reviews go over build quality, features, comfort, etc.. Briefly I will say after being in this car for almost 9 years: the car (especially the XLE/sport model) is on the stiffer side and can be harsh. The upside is that it feels incredibly planted and there is minimal body roll. It is easy fun to take on windy roads with the "Sport" setting, which further tightens the ride. Road noise is not the best. Wind and tire noise is om the louder side. Materials are nothing super premium in the XLE, but the interior is built like a tank and has held up well. No electrical issues. The engine and transmission are fantastic. The small 4 cylinder makes the car sporty with 187 HP and it is also silent. It has a pleasant sound when accelarating and you hardly hear it. The transmission is a 6 speed, but is overall good. Smooth shifting in both sport and city driving. Reliability-wise this car has been absolutely fantastic. The car has been lazily maintained and is currently at 220,000 miles. It still drives and shifts very smoothly. This car is a sportier crossover. It is a good choice for somebody who wants more sport compared to say a CRV. It is and has been proven to be reliable though.

Vehicle information

Ext. color: Super White
Int. color: Sand Beige
Drivetrain: Four-wheel Drive
MPG: 21-27
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 263945-447
VIN: 2T3BF4DV5CW263945

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2012 Toyota RAV4 Sport review

2012 Rav 4 is a gem.

I had a 2012 Rav 4 and a man ran a red light and ran over me and the Rav had to be junked. I got my second 2012 Rav 4 and both were and are wonderful cars. Would highly reccommend.

Vehicle information

Ext. color: GRAY
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 25-33
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L
Stock #: B069750
VIN: 2T3J1RFV9LC069750

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, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Preferred Autos LLC review

Great experience

Great experience. Pat is a really nice and genuine guy who is not trying to rob people of their money. I would def recommend this dealership for someone who wants a nice maintained used car

2020 Toyota RAV4 TRD Off-Road review

Very happy with my purchase

After purchase I immediately took the car on an 800 mile road trip. It is much more comfortable and rides more smoothly than our older RAV4 and had plenty of pep for highway driving. Averaged over 37 MPG at highway speed of 70-80 MPH. Would have liked a power hatchback but overall I’m very satisfied with the options that came with it as an LE model.

Vehicle information

Ext. color: Barcelona Red Metallic
Drivetrain: All-wheel Drive
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 077167
VIN: JTMJFREV1GJ077167

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Bluetooth®, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Rear Cross Traffic Alert, Stability Control
Seating: Memory Seat

Reviews

2016 Toyota RAV4 SE review

Super Reliable

I have owned 3 Toyotas and none have disappointed. The RAV4 is a reliable vehicle that will last longer than most cars as long as you keep it serviced. All I have ever had to do to my RAV4 was change the parts that normally wear out over time like brakes, tires, and battery.

Vehicle information

Ext. color: Magnetic Gray Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 22-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 2.5L I-4 DOHC, VVT-i variable valve control, regular unleaded, e
Stock #: 401960-429
VIN: 2T3BFREV2FW401960

Features

Convenience: Keyless Entry
Entertainment: Bluetooth®, CD Player
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Reviews

2015 Toyota RAV4 LE review

MY Rav4

Bought car in 2017 with 6000 miles, only changed battery at 40000 miles,good on gas,lots of room,I would buy this Rav4 again new thank you

Toyota RAV4 prices by year

Model year Prices from Deals
2022 Toyota RAV4 $25,559 6 Good deals

About the Toyota RAV4

FAQs

How much does the Toyota RAV4 cost?

The Toyota RAV4 price depends on several factors, including the trim level, optional features, mileage, vehicle history and location. The nationwide average price for the RAV4 is $23,894, with pricing starting at $1,495.

What is the MPG of the Toyota RAV4?

The Toyota RAV4 with traditional internal combustion engine offers up to 27 MPG city and 35 MPG highway for a combined rating of 30 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

What are some similar vehicles and competitors of the Toyota RAV4?

The Toyota RAV4 compares to and/or competes against the following vehicles:


What trim levels are available for the Toyota RAV4?

The Toyota RAV4 is available in the following trim levels:

What model years are available for the Toyota RAV4?

Available model years for Toyota RAV4 inventory range from 2010 to 2025.

*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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