2013 Hyundai Sonata Hybrid Limited 4 door Sedan

Learn about the Hyundai Sonata Hybrid mid-size car. See the engine specifications, gas mileage, price, and MSRP. Research Hyundai Limited warranty features and Hyundai Motor Finance lending options.

Looking for a Hyundai Sonata Hybrid?

Find your perfect ride. Carvana has thousands of vehicles in their inventory. Your Sonata Hybrid Limited may be waiting for you.

Home » Vehicles » 2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package 2.4L 4-Cylinder gas/electric Hybrid 6A

The products and offers that appear on the website are from respective partners, companies, and third-party advertisers from which we receive compensation. This compensation may impact how and where products appear on this site including the order in which they appear. This site does not include all financial products or companies or all available product offers. Learn more about our partners and how we make money

Information on the 2013 Hyundai Sonata Hybrid sedan

The 2013 Hyundai Sonata Hybrid is manufactured under the Hyundai vehicle brand. It is classified as a mid-size car and makes use of a sedan body. This 4 door sedan has front wheel drive with a 6-speed shiftable automatic transmission. The Hyundai Sonata Hybrid is mainly imported from South Korea. The Hyundai vehicle line is a subsidiary automobile manufacturer held by Hyundai Motor Group.

Thinking about changing vehicles?

Looking for a new car? Check out Hyundai Sonata Hybrid sedan listings. Carvana’s extensive inventory can help you find the vehicle that is right for you!

2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package 2.4L 4-Cylinder gas/electric Hybrid 6A 1

Overview of the 2013 Hyundai Sonata Hybrid Limited

The Hyundai Sonata Hybrid can be found in several trim levels and spec packages such as the 2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package (2.4L 4-Cylinder gas/electric Hybrid 6A). This variation of the Sonata Hybrid sedan sports the Limited 4 door sedan with Panoramic Sunroof package with a 2.4L 4-cylinder gas/electric hybrid 6A on the Hyundai Sonata Hybrid vehicle chassis. The Sonata Hybrid Limited trim can integrate vehicle enhancement bundles based on the origin of the vehicle and the time of production.

Hyundai Sonata Hybrid Limited Pricing and MSRP

Are you excited to have a 2013 Hyundai Sonata Hybrid Limited? The recommended MSRP is quoted at $30,550 and used Kelly Blue Book rates are usually lower. Used vehicle valuations are calculated with the year, make, configuration, and features. Hyundai Sonata Hybrid prices can increase beyond these estimates as a result of contributing factors like increased consumer demand, restricted availability, and auto industry shortages. In 2021, motor vehicle rates and correlated motor vehicle equity grew due to chip manufacturing shortages and supply chain restrictions. This situation triggered tensions on the car marketplace with older used valuations catching up with the price highs historically solely seen by brand-new vehicle models.

MSRP: $30,550

Trim & Style: Limited 4 door sedan with Panoramic Sunroof package with a 2.4L 4-cylinder gas/electric hybrid 6A

Shop Vehicles on Carvana

Sonata Hybrid Limited Performance Specifications and Engine

The performance specifications and abilities of your vehicle’s engine matter a lot. For instance, if you are pulling a load or utility trailer with a truck. The power, specifications and capabilities of your engine pulling package matters a lot. If you are taking your sports car out for a track day, your quarter mile time, brake horsepower, and engine can generate more bragging rights. On the other hand, if you are looking for an economical sedan to run about town as a daily driver, you may not even care what is under the hood if it is dependable and the engine runs well.

Hyundai Auto Additional Information

The 2013 Hyundai Sonata Hybrid can come along with several different performance packages and engine options. This exact Hyundai vehicle is set up with the 2.4 hybrid engine with a front wheel drive drivetrain.

Engine: 2.4L 4-cylinder gas/electric hybrid 6AHorsepower: 199
Doors: 4 doorTransmission: 6-speed shiftable automatic
Drive Type: front wheel driveFuel: hybrid
MSRP: $30,550Manufactured: South Korea
Data comes from dealer network APIs but is not endorsed or certified by any dealer.
2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package 2.4L 4-Cylinder gas/electric Hybrid 6A 2

Fuel Economy and Gas Mileage

Being aware of your gas mileage and fuel usage are crucial aspects when it pertains to buying a Hyundai Sonata Hybrid. Aside from the out-the-door expense of the vehicle, the fuel cost is usually the next most pricey element when it comes down to car ownership. The 3rd most costly factor is obeying the suggested manufacturer’s service schedule and handling preventive maintenance.

The U.S. Environmental Protection Agency or EPA produces estimations around a vehicle’s gas mileage (MPG) and how many miles a car or truck can productively drive per a gallon of fuel required to operate on city streets and on the highway. MPG is dependent on Hyundai Sonata Hybrid engine type, performance, operation altitude, and other things like aftermarket customizations, however it supplies a great baseline for fuel consumption.

For the 2013 Hyundai Sonata Hybrid, the EPA quotes drivers will get around 36/40 MPG for driving on city streets and while operating the vehicle on the highway. These values are different given that city driving involves navigating community streets, traffic lights, stop signs, and other things which make the Hyundai Sonata Hybrid to start and stop more frequently. On the highway, the Hyundai Sonata Hybrid’s engine and fuel performance can be extended, achieving a better MPG rating.

MPG Comparisons

Are you thinking about comparing motor vehicle MPGs? Check to see how your existing vehicle compares to the fuel efficiency of the 2013 Hyundai Sonata Hybrid. Use the gas mileage difference calculator to see how many more miles you might drive and costs related to gas. Can you save cash by driving this Hyundai Sonata Hybrid or will it cost you more in gas to drive?

MPG: 36/40 MPG (city/Highway)

Compare Other vehicle MPGs

How to Finance Your Sonata Hybrid Limited

Finding financing for your 2013 Hyundai Sonata Hybrid sedan can be a great way to get into the car of your dreams while paying it off over the course of a number of years by making monthly payments. Determine the amount you will need to finance by finding the distinction between the expense of your brand-new Hyundai Sonata Hybrid and the valuations of your down payment and any trade-in credit from your old car.

This will calculate the amount of money you will be required to finance your 2013 Hyundai Sonata Hybrid. Talk to lending institutions to see quoted financing offers. These offers will be based on your credit scores, consumer profile, and credit history. The next step includes finding the right lender. It is best to look at loan APRs and terms from a range of lenders (checking out offers with 3-4 lenders is good). Checking offers from competing lenders will help you secure the best funding deal possible on your Hyundai vehicle.

To complete your Sonata Hybrid finance, you need to do several things including having a qualifying credit score, meeting lender requirements, and meeting motor vehicle finance benchmarks. Credit scores in the 500s (subprime classification) may be acceptable for older used automobile funding with scores in the 600s suitable for newer car or truck finance offers.

Other lending institution requirements include making a particular amount of money each month and meeting residency requirements by living in an area the lender services. Your motor vehicle needs to fulfill basic automobile finance requirements like being newer than 10 years old and having less than 100K miles with positive vehicle equity.

Hyundai Sonata Hybrid Refinancing

Refinance your Hyundai Sonata Hybrid Limited sedan. Learn how you can save money by adjusting your current loan.

Find Hyundai Sonata Hybrid Insurance

Learn about insurance and see coverage options for your Hyundai Sonata Hybrid. Bundling your insurance can save you money.

Learn About Hyundai Motor Finance

Hyundai Motor Finance is Hyundai’s in-house financial services division. They supply car buyers with a lot of finance options if you are considering purchasing a late model vehicle from an auto brand dealer. The incentives and special offers can consist of financing offers like 0% APR for 60 months and 6.9% stand alone APR for 84 months (based on your down payment). Hyundai Motor Finance can even provide lease deals and benefits like 10,500 annual miles for 39 months with a set dollar amount due at signing.

Finance Your Sonata Hybrid Limited

It is important to understand how much you can afford to allocate towards your brand-new 2013 Hyundai Sonata Hybrid. When tracking your personal expenditures, it can be beneficial to track the finance offers from different lenders. This step is crucial not only for motor vehicle budgeting but also for your finances. Checking loan rates and terms with a finance calculator is one of the most convenient methods to rapidly see your estimated motor vehicle payment.

What is the Monthly Car Payment to Buy a Hyundai Sonata Hybrid Limited?

Wondering how much it would cost to sign a motor vehicle loan on a 2013 Hyundai Sonata Hybrid? Here is an approximate cost you can use to begin your research! The answer to the car payment question depends on several factors. The month-to-month car payment on a Hyundai Sonata Hybrid Limited is calculated by taking into account the following things: your down payment, vehicle loan lending rate, loan term, credit rating, trade in-value, and similar things. Things like the sales tax on the Sonata Hybrid Limited also must be taken into account. Therefore, since the manufacturer’s suggested retail price or MSRP is $30,550, a typical motor vehicle payment for a brand-new Sonata Hybrid might be near $442.81.

This can be approximated by utilizing the MSRP minus a 10% down payment with an automobile loan interest rate of 5% over a term of 48 months. Keep in mind it does not take into account crucial info like sales tax. Simply use this information for your research. Keep in mind this is what it could cost if you purchased the 2013 Hyundai Sonata Hybrid “new” based on the MSRP. With used and older motor vehicles, there is a significant likelihood the regular monthly motor vehicle payment will be considerably varied. You can check alternative estimates with varying numbers by using a car loan calculator.

Estimated Monthly Payment


Involved Payment Factors

MSRP: $30,550
Down Payment: 10% (estimated payment)
Loan Interest Rate: 5% (average rate)
Car Loan Term: 72 months (varies by offer)

Note: This estimated payment does not include other factors and costs like sales tax which would normally be included in actual payment estimate.

2013 Hyundai Sonata Hybrid Refinancing

Refinancing your Hyundai Sonata Hybrid is also an option to look into after you have made several of your initial regular monthly car or truck payments. The primary lenders you initially financed through often have benefits and offers which expire or are front-weighted. Special deals like cash back refunds and 0% APR financing discounts might start losing their efficiency or value after 6 to 12 car payments.

If your financial scenario has changed considering that you bought your Hyundai Sonata Hybrid or if your initial terms are no longer helpful to you, consider refinancing. You can normally conserve cash on your month-to-month automobile payments by refinancing your vehicle loan.

Hyundai Sonata Hybrid Auto Insurance

Maintaining a active vehicle insurance policy insurance coverage for your Hyundai Sonata Hybrid is extremely important. Picking the right insurance plan and coverage for you can help cover damages and expenses related to auto collisions, auto theft, and additional damage to your truck, car, or SUV. Not only can your insurance policy assist you in repairing the damage from an automotive crash or hitting an object, but having valid insurance is typically a legal necessity to drive a vehicle on public roadways in almost all states and counties in the U.S. The most ideal automobile insurance plans and associated coverage include comprehensive collision coverage which helps you repair your Hyundai sedan and also cover non accident-related damage from many things like inclement weather, storms, fire, vandalism, and animal impacts on top of automobile collisions. Insurance can additionally help you pay for repairs to the 2.4L engine in your sedan along with other mechanical parts. The amount you pay for the insurance coverage can range and is typically based upon the manufacture year of your automobile. If you drive the 2013 Limited, this will be factored into your monthly insurance coverage payments. Learn more about insurance coverage and safeguard your Hyundai Sonata Hybrid Limited 4 door sedan with Panoramic Sunroof package with a 2.4L 4-cylinder gas/electric hybrid 6A.

2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package 2.4L 4-Cylinder gas/electric Hybrid 6A 3

Where to Buy Hyundai Sonata Hybrid Limited

There are a lot of factors to mull over when it comes time to buy a car or truck. You want to get the ideal make and model that fits your needs along with managing an automobile payment that fits into your budget. There are a lot of alternatives out there for shopping for used and brand-new vehicle stock, so it can be difficult to know where to begin your car purchasing journey. Check out Carvana.

Shop Hyundai Sonata Hybrid on Carvana

Sonata Hybrid Limited Warranty

Service Warranty and Maintenance Details

When it comes to getting the finest care for your brand-new car, we often think about factory warranties. These factory warranties feature standard coverages like a limited 3 year in duration or 36,000 mile bumper-to-bumper manufacturer’s warranty and a 5 year duration or 60,000 mile powertrain guarantee. These yearly durations begin with the original date of sale by the first buyer.

Additional factory automobile service warranties are often offered based on the engine type. As an example, brand-new cars, trucks, or SUVs with diesel motors can come with a factory 5 year long or 100,000 mile powertrain guarantee. Hybrid automobiles and electric powered vehicles (EVs) often come with distinct warranty plans like a 8 year long or 100,000 mile warranty.

There are also extended motor vehicle service plans (VSPs), Certified pre-owned (CPO) guarantees, and extra warranty protection choices offered outside of the auto maker’s original factory programs. VSPs offer maintenance service plans with extra coverage for a vehicle’s components and parts in the event that your automobile experiences a huge mechanical breakdown. These are excellent alternatives to consider when buying a used car.

CPO extended warranties normally include protection for extra years limited by constraints like 2 years or 80,000 miles on the vehicle. Cars, trucks, and SUVs that carry CPO status go through a strenuous pre-owned checkup by licensed brand service technicians which includes additional service warranty years. CPO vehicles normally have price points more than comparable used cars but can be worth it for coming with the assurance that the automobile you are shopping for is mechanically ok.

Other coverage alternatives include pre-paid vehicle maintenance programs from automobile dealerships. These plans maintain the parts, services, and labor that are part of the recommended manufacturer’s maintenance schedule. You will identify these line items and associated mileages detailed in the car owner’s manual.

Info Regarding Sonata Hybrid Types of Warranties

Factory Warranty: A factory service warranty is what you might think of when it comes to the general concept of a “vehicle warranty”. These types of guarantees most often come with brand-new cars and trucks and are one of the most convenient and most budget friendly ways to secure your motor vehicle – warranty wise given that the new car might cost more than a used one leading to less affordability.

Drivetrain Warranty: A drivetrain service warranty covers the parts, components, and systems which “drive” or move the motor vehicle along. The parts of the drivetrain can involve the axles, driveshaft, transmission, engine, exhaust manifolds, wheels, and associated components. The warranty also usually protects internal engine parts like seals, gaskets, and other rubberized parts. A drivetrain warranty is another term for a powertrain warranty and might cover comparable components depending on the automaker’s definitions and warranty terms.

Roadside Warranty: A roadside warranty can help you when you are stranded or breakdown on the road. This warranty for the Hyundai Sonata Hybrid Limited includes basic help services such as towing, blowout fixing or replacement, dead battery assistance and jumpstarts, lockout assistance, fluid and fuel delivery, and other related services. A roadside warranty resembles roadside assistance, but it is included with the brand-new motor vehicle from the manufacturer and not an add-on product through insurance policies or a vehicle service plan or VSP.

Rust & Corrosion Warranty: A rust and corrosion warranty can help to protect the materials, frame, and body of the automobile. Automakers include this warranty with new automobiles to help fix damage caused by caustic liquids, substances, and materials. While vehicle bodies are made with corrosion-resistant materials like aluminum, magnesium, carbon fiber, and plastic, rust can still form. For instance, sizable quantities of roadway deicers like salt or sodium chloride, calcium chloride, magnesium chloride, and similar substances and elements can cause a motor vehicle’s body to rust. Other corrosive solutions like bleach and acid (while not normally encountered on roadways), can trigger deterioration if splashed on body panels.

Hyundai Sonata Hybrid Factory Warranty Coverage

Factory Warranty: 5 years / 60,000 milesDrive Train Warranty: 10 years / 100,000 miles
Roadside Warranty: 5 years / unlimited milesRust & Corrosion Warranty: 7 years / unlimited miles
Data comes from dealer network APIs but is not endorsed or certified by any dealer.

Hyundai Sonata Hybrid Limited Additional Specifications

In order to interest a broader variety of buyers who are interested in the 2013 Hyundai Sonata Hybrid Limited, different trim levels are provided. A large number of vehicle producers deliver different alternatives for their vehicles. This includes Hyundai Motor Group who makes the Sonata Hybrid model. These alternatives can consist of details like assorted paint shades, wheel sizes, or bundles that consist of features like a sunroof or gps system. Supplying these alternatives enables makers to develop interest in different types of shoppers as well as enables them to move more cars.

These alternatives allow consumers to pick an automobile which fulfills their needs and can include various attributes that they might desire in their car. Some auto makers may offer things like a variety of different engines, trim lines, and also performance or sport packages to choose from, while others might offer a wide range of exterior color options or interior trim levels. The alternatives that are offered are going to vary between car manufacturers, makes, and models, so do your research when you are trying to find a vehicle with specific options like heated seats or third occupant seats.

By putting in the time to explore the different options that are readily available, you, as the customer, can make sure that you are buying specifically what you want in your new car. This sedan by Sonata Hybrid comes set up from the auto producer with a number of standard configurations and options. They consist of options like the MacPherson strut front suspension, four-wheel independent suspension, multi-link rear suspension, front and rear stabilizer bar,4-way manual passenger seat adjustment, 8-way power driver seat, bucket front seats, height adjustable driver seat, leather, multi-level heating driver seat, multi-level heating passenger seat, driver seat with power adjustable lumbar support,folding with storage center armrest, multi-level heating, rear ventilation ducts,1 one-touch power windows, remote keyless power door locks, heated mirrors, power mirrors,clock, compass, external temperature display, low fuel level warning, tachometer, trip computer,cruise control, electric speed-proportional power steering, front and rear cupholders, front and rear door pockets, front seatback storage, keyless ignition, overhead console with storage, rear view camera, remote trunk release, retained accessory power, tilt and telescopic steering wheel, universal remote transmitter (for garage door, security system, etc.), audio and cruise controls on steering wheel,electrochromatic inside rearview mirror, front and rear reading lights, interior air filtration, leather steering wheel, leather trim on shift knob, simulated alloy trim on center console, simulated alloy trim on dash, simulated alloy trim on doors, trunk light, turn signal in mirrors, climate control, dual illuminating vanity mirrors,1 subwoofer(s), 3 months of provided satellite radio service, 400 watts stereo output, 9 total speakers, Infinity premium brand speakers, USB connection, auxiliary audio input and USB with external media control, element antenna, satellite radio with real time traffic satellite radio, AM/FM stereo,rear defogger, variable intermittent wipers,alloy wheels, 17 x 6.5 inch wheels, all season tires, P215/55R17 tires,2 front headrests, 3 rear headrests, auto delay off headlamps, child seat anchors, daytime running lights, dual front side-mounted airbags, dusk sensing headlamps, electronic brakeforce distribution, engine immobilizer, front and rear head airbags, front fog/driving lights, front seatbelt pretensioners, remote anti-theft alarm system, stability control, tire pressure monitoring, traction control, 4-wheel ABS, emergency braking assist, emergency interior trunk release, front and rear ventilated disc brakes, passenger airbag occupant sensing deactivation, passenger head restraint whiplash protection system, rear center 3-point belt, rear door child safety locks, rear height adjustable headrests, turn signal mirrors,Panoramic Sunroof Package, Option Group 01,Wheel Locks,All-Weather Floor Mats, IPod Cable, Cargo Mat, Cargo Net, Carpeted Floor Mats, and other standard vehicle features.

2013 Hyundai Sonata Hybrid Limited 4 Door Sedan with Panoramic Sunroof Package 2.4L 4-Cylinder gas/electric Hybrid 6A 4

Hyundai Sonata Hybrid Common Questions

Looking for info about the Hyundai Sonata Hybrid Limited? Find answers to frequently asked FAQs. It is crucial to do your research on the vehicle and research the specific details. Check out the motor vehicle specifications and understand how your car payment on a car can affect your budget. These answers can help you understand the capabilities of the vehicle along with miles per gallon, weight, horsepower, and engine capabilities.

What is a Hyundai Sonata Hybrid Limited?

The Hyundai Sonata Hybrid is a vehicle line produced by Hyundai Motor Group. The Limited is a specific package of the Hyundai Sonata Hybrid lineup. The vehicle is categorized as a mid-size car.

How much does a Hyundai Sonata Hybrid Limited cost?

The Hyundai Sonata Hybrid Limited costs around $30,550.

What is the car payment to buy a Hyundai Sonata Hybrid Limited?

The monthly car payment on a Hyundai Sonata Hybrid Limited depends on your down payment, car loan interest rate, term, credit score, trade in-value, and other factors. Things like sales tax on the Sonata Hybrid Limited also need to be considered. Since the MSRP is $30,550, the average car payment for a new Sonata Hybrid could be around $442.81. This can be estimated by using the MSRP minus a 10% down payment with a auto loan interest rate of 5% over a term of 48 months. Keep in mind these factors will vary depending on your qualifying loan rates and lending offers. You can check additional estimates with varying numbers by using a car payment calculator.

Can I lease a Hyundai Sonata Hybrid Limited?

You may be able to lease a Hyundai Sonata Hybrid Limited through an auto loan lender or financial institution.

Can I refinance my Hyundai Sonata Hybrid Limited?

You may be able to refinance your Hyundai Sonata Hybrid Limited depending on your credit score and financial situation. To learn more about lenders who offer vehicle refinancing and car loans, check out the best auto refinance companies.

Where can I buy a Hyundai Sonata Hybrid Limited?

Try searching car dealers like Carvana for a Hyundai Sonata Hybrid Limited. They often have good deals on recent vehicles and may also have a similar Hyundai Sonata Hybrid in their inventory.

How far does the Hyundai Sonata Hybrid Limited go on a single tank of gas?

The Hyundai Sonata Hybrid Limited can usually travel around 619.2/688.0 miles miles on a full tank of gas. This range is dependent on driving conditions, vehicle maintenance, and other roadway factors.

Does the Hyundai Sonata Hybrid have good gas mileage?

Hyundai Sonata Hybrid gets an EPA estimated 36/40 MPG miles per gallon (MPG) on the city/highway roads. The combined MPG is 37 MPG. Understanding if this is a good gas mileage depends on what you are comparing the vehicle to. You can use our Gas Mileage Comparison calculator to see MPG estimates between vehicles with different MPG ratings along with destinations.

What kind of gas mileage does the Hyundai Sonata Hybrid get?

The Hyundai Sonata Hybrid gets 36/40 MPG (city/highway) MPG per the Environmental Protection Agency or EPA. The combined MPG rating is 37.

What type of gas does a Hyundai Sonata Hybrid use?

The Hyundai Sonata Hybrid uses the regular unleaded fuel type.

How much gas does the Hyundai Sonata Hybrid gas tank hold?

The gas tank in the Hyundai Sonata Hybrid holds 17.2 gallons of hybrid.

What type of vehicle is the Hyundai Sonata Hybrid Limited?

The Hyundai Sonata Hybrid with the Limited package is a mid-size car.

What is the towing capacity of a Hyundai Sonata Hybrid?

The Hyundai Sonata Hybrid has a towing capacity of pounds.

How much horsepower does a Hyundai Sonata Hybrid have?

The Hyundai Sonata Hybrid has a horsepower rating of 199HP.

What kind of engine does a Hyundai Sonata Hybrid Limited have?

The Hyundai Sonata Hybrid Limited comes with a 2.4L 4-cylinder hybrid 6-speed automatic with Panoramic Sunroof package engine.

What type of drivetrain does a Hyundai Sonata Hybrid Limited have?

The Hyundai Sonata Hybrid Limited features a front wheel drive drivetrain.

What kind of transmission does a Hyundai Sonata Hybrid come with?

The Hyundai Sonata Hybrid Limited comes with a 6-speed shiftable automatic transmission.

Where is the Hyundai Sonata Hybrid made?

The Hyundai Sonata Hybrid Limited is made in the South Korea by Hyundai Motor Group.

Is the Hyundai Sonata Hybrid domestic or imported?

The Hyundai Sonata Hybrid is a imported vehicle.

What car company makes the Hyundai Sonata Hybrid Limited?

The Hyundai Motor Group is the auto manufacturer which produces the Hyundai Sonata Hybrid Limited.

How much does a Hyundai Sonata Hybrid weigh?

The Hyundai Sonata Hybrid Limited has a gross vehicle weight of pounds and a curb weight of 3,457 pounds. Learn more about how a vehicle is weighed.

What kind of warranty does the Hyundai Sonata Hybrid come with?

The Hyundai Sonata Hybrid Limited can come with a few warranties from the manufacturer including a 10 years / 100,000 miles drivetrain warranty, a 5 years / unlimited miles roadside warranty, a 7 years / unlimited miles anti-rust warranty, and a maintenance program.

Related Vehicles

Ready To Start The Refinance Process?

Start by connecting with lenders**.