Luke Fruia

BERT OGDEN MISSION MAZDA

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CHARLIE CLARK NISSAN BROWNSVILLE

Tipotex Chevrolet

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TREVINO'S AUTO MART

Neessen GMC

Spider

Fullsize Crew Cab

Truck

AWD4WD

8-Cylinder

Gasoline

Sierra 1500

X31 Off-Road Package

New 2025 GMC Sierra 1500 Elevation w/ X31 Off-Road Package

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Automatic

Elevation

Midsize

Sport Utility

4-Cylinder Turbo

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Terrain

Denali Premium Package

License Plate Front Mounting Package

Get AutoCheck Vehicle History

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Used 2022 GMC Terrain Denali w/ Denali Premium Package Brownsville TX 78526

Denali

Texas Edition SLT Premium Package

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Convenience Package

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LPO, Interior Protection Package

Used 2024 GMC Terrain SLE w/ Driver Convenience Package

Used 2024 GMC Terrain SLE w/ Driver Convenience Package Brownsville TX 78521

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LPO, Floor Liner Package

Used 2024 GMC Terrain SLE w/ Driver Convenience Package Mission TX 78572

Technology Package II

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Third-Party Certified

Used 2019 GMC Terrain SLE

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Infotainment Package II

Tech Package

Used 2024 GMC Terrain AT4 w/ Infotainment Package II

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Used 2020 GMC Terrain SLT w/ Preferred Package

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Certified

Certified 2024 GMC Terrain SLE w/ Driver Convenience Package

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LPO, 'HIT The Road' Package

Used 2022 GMC Terrain SLE w/ Driver Convenience Package

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Electric

Hummer EV

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Used 2024 GMC Terrain AT4 w/ Tech Package

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Infotainment Package I

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South Texas Buick GMC

Harlingen - Weslaco - Brnsvlle

Cars for Sale

Shop, watch video walkarounds and compare prices on GMC Terrain listings in Harlingen, TX. See Kelley Blue Book pricing to get the best deal. Search from 81 GMC Terrain cars for sale, including a Certified 2024 GMC Terrain SLE, a New 2025 GMC Terrain Elevation, and a New 2026 GMC Terrain Elevation ranging in price from $16,990 to $44,735.

GMC Terrain for Sale in Harlingen, TX - Kelley Blue Book

Search from 81 GMC Terrain for sale, including a Certified 2024 GMC Terrain SLE w/ Driver Convenience Package, a New 2025 GMC Terrain Elevation w/ Technology Package II, and a New 2026 GMC Terrain Elevation w/ Black Edition ranging in price from $16,990 to $44,735.

Autotrader has 81 GMC Terrain for sale near Harlingen, TX, including a Certified 2024 GMC Terrain SLE w/ Driver Convenience Package, a New 2025 GMC Terrain Elevation w/ Technology Package II, and a New 2026 GMC Terrain Elevation w/ Black Edition ranging in price from $16,990 to $44,735.

Frankie Rogers is a senior editor for Kelley Blue Book and focuses on the production of content. She edits and formats content, creates monthly deals lists, is a media asset curator, and photographs cars for various articles and inclusion in KBB’s image library. Her 16+ years at Kelley Blue Book have included roles as a Blue Book copy editor, press vehicle wrangler, and VIN analyst. In her spare time, she can be found tinkering with her 1970 Chevrolet Camaro, trying out new recipes in her cast iron pans, and spoiling her two cats, Grayson and Thaddeus.

Frankie Rogers

Colin Ryan, Author at Kelley Blue Book

Scott Hinderer is an award-winning copy editor. Before joining Cox Automotive in 2022, he built a 15-year career in print and digital journalism. His diverse résumé brings a broad perspective and commitment to accuracy to Autotrader and Kelley Blue Book that enrich the reader experience. Scott has a Bachelor of Arts in English from Salisbury University.

Scott Hinderer

Russ Heaps has produced automotive content for newspapers, magazines, and websites since 1987. Knight-Ridder recognized his contributions in founding and supplying content for the stand-alone auto section in the Boca Raton News with a Knight-Ridder Excellence award nomination in 1990. He began contributing advice and other automotive-related content to Cox Automotive as a contractor in 2010. Cox Automotive brought Russ on board as Senior Editor, Advice for Kelley Blue Book in 2022. Previously, he contributed financial and automotive content for Bankrate.com. He was also managing editor for Auto World and NOPI Street Performance Compact magazines for four years. His work has appeared in the Washington Times, the Miami Herald, the Palm Beach Post, and a host of other newspapers on a syndicated basis. 
Russ also has a deep background in travel as the supervising producer for the syndicated television series Discover America where he also wrote scripts and field-produced episodes. Additionally, he authored travel stories for AAA of the Carolinas Magazine.
He graduated Wittenberg University with a degree in Political Science. His passions are friends, cars, bourbon, and the Pittsburgh Steelers.

Russ Heaps

Sub Compact Car

Sub Compact Car Articles - Kelley Blue Book

2025MINI Hardtop 4 Door

2025MINI Hardtop 4 Door Archives - Kelley Blue Book

hatchback

hatchback Archives - Kelley Blue Book

$28,500 - $33,499

$28,500 - $33,499 Archives - Kelley Blue Book

$33,500 - $38,499

$33,500 - $38,499 Archives - Kelley Blue Book

$38,500 - $43,499

$38,500 - $43,499 Archives - Kelley Blue Book

2-Line Blurb

140-Character Blurb

The redesigned Mini Hardtop 4 Door adds practicality to the iconic Mini Cooper while keeping it properly small and stylish.

Cons

<ul>
<li>No manual option</li>
<li>Premium gas recommended</li>
</ul>

Power, Ride, and Handling

Driving Impressions

The 2025 Mini Hardtop 4 Door is powered by a turbocharged 161-horsepower 4-cylinder engine matched with a 7-speed automatic transmission and front-wheel drive. The models with “S” in the name get a performance upgrade to 201 hp, plus way more torque. The base engine scoots this little car around just fine, but we think the S model is worth the slight price premium to unlock the Mini’s fun potential.
Regardless of the engine, the Mini Hardtop 4 Door handled beautifully in <a href="https://www.kbb.com/car-news/driving-the-2025-mini-cooper-hardtop/">our testing</a>, thanks to its small footprint and wheels stretched out to the corners. These qualities also make it a pleasure to drive on city streets, weaving through traffic and parking just about wherever you want with ease.
Every Mini is a great city car, but the longer wheelbase of the 4 Door model makes this a slightly comfier highway cruiser than the shorter 2 Door model. Speaking of comfort, we know those 18-inch wheel options are fabulous, but they make the ride quality a little harsher than the 17-inch wheels.
<h3>Fuel Economy</h3>
The Mini Cooper 4 Door has the same fuel economy ratings as the 2 Door. It returns 28 city/39 highway/32 combined mpg, regardless of the trim. That’s a little less efficient than the Nissan Versa, which doesn’t come with turbocharged performance.
Subcompact hatchbacks are supposed to have low fuel costs. Although the Mini is reasonably fuel-efficient, its premium gas recommendation makes it surprisingly expensive to fuel up for such a small car. Since the base model and the sportier S trim have identical fuel economy ratings, you might as well get the excitement of the Cooper S if it fits your budget.

Iconic Exterior

Exterior

Mini did an excellent job giving the Mini Cooper a 4-door body while keeping it appropriately small. It’s just big enough to be measurably roomier and more practical than its traditional 2-door counterpart, but it retains subcompact dimensions. Then, of course, there’s the disarming cuteness of the Mini Cooper, with one of the finest executions we’ve seen of a retro/modern design. The Mini is also highly customizable; it’s the only car we know of that’s available with a gradient purple contrast roof.
The adorable and properly small Mini Cooper is a breath of fresh air in an automotive landscape flooded with SUVs.

FAQs

Our Favorite Features and Tech

Favorite Features

Lively S model 
The Mini Cooper S delivers the exciting driving character we’ve come to associate with the Mini brand. With lithe handling, 201 hp, and a claimed zero-to-60 mph time of 6.7 seconds, the Cooper S is as fun to drive as it is to look at.
Standout style 
Just look at it. The Mini Cooper has a distinctly British aesthetic instantly recognizable from any angle. That’s a face you’ll never get tired of seeing in your garage.
Extra space 
With an extra 1.5 inches of rear legroom and 47% more cargo room behind the back seats than the Mini 2 Door, this 4 Door model is decidedly more practical without compromising its charm.
Panoramic roof 
The Mini’s characteristically flat roof lets in a lot of natural light with its panoramic sunroof, a standard feature that adds to the premium feel of this hatchback.
9.4-inch OLED display 
A round 9.4-inch OLED display delivers the information you need and handles duties like climate control. You can customize it to suit your mood with different themes, from showy to subtle.
Mini Experience Modes 
Ambient interior lighting is becoming ordinary, but the Mini is anything but. Seven Mini Experience Modes are accompanied by dazzling light and projections, creating a vibe in the Mini’s interior that’s as fun and unique as its exterior.

Expressive Interior

Interior

Although the new Mini Cooper models are not so different sizewise from their predecessors, the company’s decision to keep things clean and simple helps create a sense of space. Materials and build quality remain in that area between mainstream and luxury.
The automatic transmission’s shift functions have also been moved into the center console, leaving space for a wireless phone charging pad. The dashboard’s dominant feature, however, is a circular OLED infotainment touchscreen with a 9.4-inch diameter. This customizable screen is full of different themes that can change according to the drive mode.
The rear seats are usable, with 32.3 inches of legroom. Predictably, that’s more rear legroom than the 2-door Mini but less than the Mini Countryman SUV. Thanks to the boxy shape of the Mini, it has decent cargo space for such a small car. The 4-door Mini has 13.1 cubic feet of space behind the back seats, which is 47% more than the 2-door. Fold down the back seats, and you get a fairly huge 40-cubic-foot cargo hold.

Is the YMM a Good Vehicle?

Is the YMM Reliable?

KBB Editors' Overview

In the ever-charming Mini lineup, the Mini Hardtop 4 Door is slotted between the smaller and more traditional <a href="https://www.kbb.com/mini/hardtop-2-door/">Hardtop 2 Door</a> and the bigger <a href="https://www.kbb.com/mini/countryman/">Mini Countryman</a> SUV. This practical 4 Door model is for anyone who loves the Mini Cooper’s smallness and unique aesthetic but would rather have four doors than two. Its extra length and doors over the 2 Door model make the Mini just as practical as any other subcompact hatchback, but with cuteness and driving character that’s hard to match. A 2025 redesign thoroughly modernizes the Mini with an <a href="https://www.kbb.com/car-news/2025-mini-gets-retro-cute-cabin/">updated interior</a> full of the latest technology while retaining the brand’s classic look on the outside.
We’ve spent hundreds of hours driving and evaluating this generation of <a href="https://www.kbb.com/cars/best-subcompact-cars/">subcompact cars</a>, including the 2025 Mini Hardtop 4 Door.

Optional Equipment

Pricing - Dynamic

Pricing - Static

The Hardtop 2 Door outsells the Hardtop 4 Door version by a lot, with the Cooper S being the most popular of the <a href="https://www.kbb.com/compare-cars/results?vehicleIds=476091|476059|476083|476061">four trim levels</a>.
It’s a little hard to compare the pricing of the <a href="https://www.kbb.com/mini/">Mini</a> to anything else since subcompact cars are slowly going extinct in the U.S. The <a href="https://www.kbb.com/nissan/versa/">Nissan Versa</a> is still around for the 2025 model year, starting at under $20,000, but the Mini is a decidedly sportier, more premium car. The smallest, most affordable cars from more mainstream Euro luxury brands start at right around $40,000, like the <a href="https://www.kbb.com/bmw/2-series/">BMW 2 Series</a> and <a href="https://www.kbb.com/audi/a3/">Audi A3</a>.
Before buying a Mini, check the Kelley Blue Book Fair Purchase Price to know what you should really pay. Mini Hardtop 4 Door resale value is below average for the segment. Recouping more money when selling a vehicle can mean a bigger down payment and lower monthly payments on the next one.

Pros

<ul>
<li>Mini charm</li>
<li>4-door practicality</li>
<li>Modern tech</li>
</ul>

Quick New

<ul>
<li>Fully redesigned</li>
<li>&#8220;Mini Cooper&#8221; name returns</li>
</ul>

Safety

Standard Equipment

Trims

Engine and Transmission

Under the Hood

The Mini Hardtop 4 Door is powered by a turbocharged 2.0-liter 4-cylinder engine available in two different tunings. The base engine produces 161 hp and 184 lb-ft of torque, good for a 7.9-second zero-to-60 mph time. Meanwhile, the Cooper S models pump out 201 hp and 221 lb-ft of torque for a 6.7-second zero-to-60 mph time. Since they have the same fuel economy ratings, the Cooper S is easy to recommend if your budget allows it.
Every Mini Cooper has a 7-speed automatic transmission and front-wheel drive. Sorry, no manual. If you like the idea of a Mini with all-wheel drive, consider the Countryman SUV.
<h3>4-Year/50,000-Mile Warranty</h3>
The Mini Hardtop 4 Door is backed by a 4-year/50,000-mile bumper-to-bumper warranty, which is typical for a luxury car. It also comes with complimentary scheduled maintenance for three years or 36,000 miles, whichever comes first.
<h3>Safety</h3>
The Mini Cooper&#8217;s standard safety features include automatic emergency braking with pedestrian detection and lane departure warning with lane-keeping assist. Adaptive cruise control is optional. The redesigned Mini has not yet been tested by the Insurance Institute for Highway Safety (<a href="https://www.iihs.org/ratings" target="_blank" rel="noopener">IIHS</a>) or the National Highway Traffic Safety Administration (<a href="https://www.nhtsa.gov/ratings" target="_blank" rel="noopener">NHTSA</a>).

What's new for 2025

The Mini is fully redesigned for 2025. For starters, the “Mini Cooper” name is back after years of confusing model names like “Hatch” and “Hardtop.” The exterior is refreshed with a new take on the Union Jack-inspired taillight design, but don’t worry. The headlights are still round, and the roof still has the approximate height and flatness of a coffee table.
The interior gets a more significant redesign. A large, round infotainment display is the centerpiece of the new interior, which can change significantly based on the drive mode and your personal preferences. Mini struck a just-right balance of retro and modern, inside and out, with the redesigned Mini Cooper.
We can usually find it in our hearts to forgive automakers for discontinuing a manual transmission option, but the old-school stick shift was especially fitting in the go-kart-like Mini. Unfortunately, the redesigned 2025 Mini Cooper is automatic only.

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2025 Mini Hardtop 4 Door Expert Review - Kelley Blue Book

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2025Kia EV6

2025Kia EV6 Archives - Kelley Blue Book

electric

electric Archives - Kelley Blue Book

$43,500 - $48,499

$43,500 - $48,499 Archives - Kelley Blue Book

The 2025 Kia EV6 electric SUV has exciting design, ample range, innovative technology, and a red-hot GT performance variant.

<ul>
<li>Cargo space trails rivals</li>
</ul>

In our testing, we’ve found the Kia EV6 is enjoyable enough, surprisingly exciting, or downright audacious. It all depends on which <a href="https://www.kbb.com/compare-cars/results?vehicleIds=476505|476519|476514|476531">trim level</a> you get or, more precisely, which power output and drive configuration you order it in. We’d skip the base EV6 Light RWD model, which has only 167 horsepower and takes over eight seconds to reach 60 mph. That isn’t slow, but it sure isn’t fast, especially for an EV. Stepping up just one trim to the new EV6 Light Long Range RWD rectifies that with a larger battery pack and 225 hp, which enables the zero-to-60-mph scoot in 7.3 seconds. If you opt for all-wheel drive (AWD), you get a second motor, 320 total hp, and a seriously exciting trip to 60 in just five seconds flat.
And then there is the Kia EV6 GT – the monster of the group that has become even more monstrous this year. The 2025 EV6 GT now makes 601 hp, which stretches to 641 hp in Launch Mode. Torque numbers are 545 lb-ft/568 lb-ft, respectively. Combined with standard all-wheel drive, this fastest of EV6 models leaps to 60 mph in a blistering 3.4 seconds — faster than some Lamborghini models. New this year, the EV6 GT adds virtual sounds and the sense of shifting gears to the fun via the Virtual Gear Shift. We first experienced these tricks in the similar Hyundai Ioniq 5 N, and we must admit to enjoying the sensation.
Beyond and perhaps regardless of the numbers, we’ve found the Kia EV6 perfectly enjoyable to drive. It has composure and poise, yet is comfortable enough for most drivers. The steering feel is also precise and well-weighted, while the brakes are direct and inspire confidence, even with four levels of regeneration. Speaking of stopping, we love that the Kia EV6 has one-pedal driving. This feature allows the vehicle to come to a complete stop simply by lifting off the accelerator pedal. It might feel odd the first day you use it, but then you’ll never want to return to “normal” driving again. Of course, even with one-pedal mode activated, the brake pedal still functions as normal, too.
For 2025, Kia EV6 models with the 84-kWh battery can tow up to 2,700 pounds, an increase of 400 pounds.
<h3>Range and Charging</h3>
The 2025 Kia EV6 electric SUV offers two sizes of battery packs, one or two motors, and various power levels, all of which affect its range and efficiency. Thanks to battery enhancements for 2025, the least-expensive Light RWD has a range of 237 miles between charges. The Light Long Range AWD and Wind AWD are rated to travel up to 295 miles, while the GT-Line AWD does 270. The most powerful EV6, the GT, has the least range at 231 miles.
The Light Long Range RWD, Wind RWD, and GT-Line RWD get up to 319 miles between charges, the most of the lineup. At its 319 number, the EV6 is the same as the Chevrolet Equinox EV, nearly the same as the Mustang Mach-E with up to 320 miles, and just edges the Hyundai Ioniq 5 with its 318 miles. Meanwhile, the Nissan Ariya is EPA-rated at 289 miles, and the Tesla Model Y boasts up to 337.
Charging times vary widely depending on what’s juicing up the battery. At its fastest on a public Level 3 DC fast charger, the EV6 can go from 10% to 80% in 18 minutes under the best conditions. More common sources will be Level 2 chargers, like a 240-volt in-home unit, that can recharge the EV6 in around seven hours. For 2025, the Kia EV6 is compatible with the North American Charging Standard (NACS), so it can charge at Tesla Supercharger stations.

Daring Exterior

The Kia EV6 has one of the most distinctive designs we’ve seen in recent years. It’s hard to categorize, but it sure is alluring. In the pursuit of optimum aerodynamic efficiency, the door handles of the 2025 EV6 are flush to the body and pop out automatically.
Looking at this wind-cheating body shape, potential buyers of a new EV6 electric vehicle will have to decide for themselves whether it’s an SUV or a hatchback with a higher-than-usual ride height. This slightly elevated stance makes room for the floor-mounted battery. Either way, we think there are plenty of features to delight the eyes, such as the various alloy wheel designs and how the taillight snakes around from one rear fender to the other. The GT-Line and GT also come with a powered wide-panel sunroof.
Thanks to the minor tweaks to the front and rear fascias for 2025, the Kia EV6 is slightly longer, with overall length increasing by 0.6 inches to 184.8 inches overall. For all but the GT trim, the charging port has been repositioned to the left rear fender for 2025.

800-volt fast charging 
This is pretty much the cutting edge of charging tech. DC fast chargers allow EV batteries to add about 70 miles of range in less than five minutes. The 2025 EV6 is capable of going from 10% capacity up to 80% in 18 minutes.
Vehicle to Load (V2L) 
As well as providing energy for the electric motor(s) in the 2025 EV6, the battery pack also has an outlet to power various appliances and even act as a backup in the event of a power outage at home.
Meridian audio 
This is a well-respected name among audiophiles. Meridian setups are also found in Jaguar and Land Rover vehicles. Wind, GT-Line, and GT models get this 14-speaker system as standard.
Wireless phone charging 
Place a compatible smartphone on the pad in the center console, and recharging happens automatically. It’s standard in every 2025 EV6 and just a great little convenience feature.
Heat pump 
It’s not the most exciting feature, but one worth having. It captures heat from the drivetrain and directs it into the cabin — even to the battery when required, enhancing energy efficiency. It’s standard in AWD models.
Remote Smart Parking Assist 
The driver can control the 2025 EV6 from outside the car, using buttons on the key fob to ease the vehicle into or out of tight parking spaces. This is optional in Wind trim and standard in the GT-Line and GT.

Tech-Forward Interior

The Kia EV6’s cabin feels futuristic, and it certainly has the kind of innovation this Kia’s exterior advertises. This Kia’s interior also stands apart from the Hyundai Ioniq 5. Though these two models are similar beneath the skin, their designs showcase each one’s aesthetics. Where the Ioniq 5 is more open and airy, the EV6 feels more driver-focused and intimate. A big reason for this is due to the wide center console that separates the front seats. In the Hyundai, that space is open. Which do you prefer? In the Kia, that console houses essential functions such as the start/stop button and a rotary dial that puts the vehicle into drive, reverse, park, etc.
Then there’s the ample tech. Dual 12.3-inch screens – one in the center for infotainment duties, the other in front of the driver acting as an instrument cluster – are straight out of a luxury vehicle. As with other EVs, this Kia uses recycled materials for fabrics and the like, and no animal products are used in the manufacture of the simulated leather seating surfaces. That doesn’t mean they feel cheap, however. We think the level of quality throughout the cabin as a whole is impressive.
Thanks to a platform designed especially for electric vehicles, the EV6 has a flat floor and plenty of interior room for a 5-seater. Rear passenger space is maximized by a long wheelbase (longer than the bigger Kia Telluride’s, even) and special front seats that have a slimmer back than a typical example, made possible by a thin frame of ultra-light steel. The GT comes with model-specific lightweight front sport seats that are manually operated. If that sounds uncomfortable, fear not, they’re fine. They hold their occupants nicely in place when taking fast corners.
The rear seats also recline and fold and split in a 60/40 fashion. Luggage space is 24.4 cubic feet, which can expand to 46.7 cubic feet with both rear seats folded. In this respect, we see the results of the EV6’s sleek and sloping exterior design. The blockier Hyundai Ioniq 5, by comparison, has 27.2/59.3 cubic feet. The Tesla Model Y, meanwhile, touts 76 cubic feet of cargo space. The EV6 also has a little storage area under the hood, in what’s known as the frunk (front trunk).

In the nascent field of electric SUVs, where just about every model stands out, the 2025 Kia EV6 stands out even more. Just look at its sleek yet captivating design, range of over 300 miles, power figures that max out over 600 horsepower, ultra-fast charging, and advanced safety and tech features. Then there’s that unbeatable Kia warranty that covers the powertrain for 10 years/100,000 miles.
These qualities and more make the Kia EV6 one of our most recommendable models in the <a href="https://www.kbb.com/electric-car/best-electric-suvs/">electric SUV</a> segment, where it competes with rivals like the Tesla Model Y, Ford Mustang Mach-E, Chevrolet Equinox EV, Volkswagen ID.4, Nissan Ariya, and the Kia’s cousin, the Hyundai Ioniq 5.
We’ve spent hundreds of hours driving and evaluating this generation of <a href="https://www.kbb.com/electric-car/best-electric-suvs/">electric vehicles</a>, including the Kia EV6.

At its $44,000-plus starting price, the 2025 EV6 starts slightly below the <a href="https://www.kbb.com/tesla/model-y/">Tesla Model Y</a> and <a href="https://www.kbb.com/chevrolet/blazer-ev/">Chevrolet Blazer EV</a>, and just slightly above its corporate cousin the <a href="https://www.kbb.com/hyundai/ioniq-5/">Hyundai Ioniq 5</a>. Thanks to price cuts for 2025, the <a href="https://www.kbb.com/ford/mustang-mach-e/">Ford Mustang Mach-E</a>, <a href="https://www.kbb.com/toyota/bz4x/">Toyota bZ4X</a>, and  <a href="https://www.kbb.com/subaru/solterra/">Subaru Solterra</a> now begin below the EV6, as do the <a href="https://www.kbb.com/nissan/ariya/">Nissan Ariya</a> and <a href="https://www.kbb.com/chevrolet/equinox-ev/">Chevrolet Equinox EV</a>. The <a href="https://www.kbb.com/volkswagen/id4/">Volkswagen ID.4</a> is also expected to start below once its lower trims go on sale ahead of the pricier, longer-range models.
With electric vehicles (EVs), sticker prices aren’t the end of the story. <a href="https://www.kbb.com/car-advice/how-do-electric-car-tax-credits-work/">EV tax incentives</a> can bring prices down by thousands of dollars, and to get the most money back, you’ll want to check our <a href="https://www.kbb.com/car-advice/electric-vehicle-rebates-by-state/">state-by-state EV tax incentive guide</a> to see what might be available to you. Now that the 2025 Kia EV6 is assembled in America, specifically West Point, Georgia, it has the potential to qualify for federal tax incentives.
The Kia EV6’s resale value is expected to be about average for the segment. Recouping more money when selling a vehicle can mean a bigger down payment and lower monthly payments on the next one.

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