21.   Lending institutions would penalize you for purchasing a used vehicle with a two-year loan.

22.   Like Cadillac and some of its other luxury competitors, Lexus is also searching for a more dignified nomenclature as it focuses on used vehicles.

23.   Mr. Ferron said that value-conscious buyers were increasingly willing to consider used vehicles.

24.   Mr. Jordan said Ford was considering exporting used vehicles for sale abroad.

25.   Neither Ford Motor Co. nor Chrysler Corp. offer warranties for used vehicles, and spokesmen said they have no plans to do so.

26.   Some offered zero-percent financing on used vehicles as well.

27.   State officials also listed certain precautions that should be observed when purchasing a used vehicle.

28.   That could mean the monthly payment for a used vehicle was higher than for a new one, but for a much shorter period.

29.   The supply of these gently used vehicles, however, is expected to fall over the next few years.

30.   The used-car guide offers the price when new, and average wholesale and retail price of the used vehicle.