Actual terms vary by lender. Used Purchased 2002 Jeep in 2004. Other than an engine, rear end 2x, and blend door actuators 2x replaced in the last 200k miles, I am happy with my Jeep.

Used 1998 bought 2nd hand in 2002 with 50K miles, now has 260K with less than $1000 in repairs. Trans flywheel replaced, oil seal on steering gearbox, nothing really serious / major.