Actual terms vary by lender. I purchased my 1998 Sierra new. It has a 5 speed standard transmission and a manual transfer case and locking hubs. The original 305 had some top end issues.

I bought 2011 Honda Pilot in 2016 and 2010 Chevrolet Suburban in 2024. Both transactions went well. Honest and easy to deal with. They were very upfront on the defects on the vehicles.