Certified Pre-Owned 2023 JeepGrand Cherokee L Limited SUV V6 Cylinder Engine

Located at
Pilson Ford
    Exterior Color
    Diamond Black Crystal Pearlcoat
    Interior Color
    Global Black
    Odometer
    28,061 miles
    Fuel Economy
    18/25 MPG City/Hwy
    Transmission
    8-SPEED AUTOMATIC (8HP50)
    Drivetrain
    Four Wheel Drive
    Engine
    V6 Cylinder Engine
    VIN
    1C4RJKBG1P8718985
    Stock Number
    P17336

    Dealer Notes

    2023 Jeep Grand Cherokee L Limited 4x4 â€" Sophisticated Versatility for the Modern Family

    Imagine pulling up to the Krannert Center for the Performing Arts in Champaign, IL, in a vehicle that commands respect and exudes understated elegance. The 2023 Jeep Grand Cherokee L Limited 4x4 is more than just a means of transport; it is a statement of success and a dedicated partner in your family's most cherished memories. This is a vehicle designed for those who appreciate the finer things in life but require the functional space of a three-row SUV to manage a busy, high-profile lifestyle.

    Whether you are navigating the refined, historic streets of Charleston, IL, or heading out for a weekend of leisure at the country club, this SUV provides the perfect blend of presence and practicality. The Diamond Black Crystal Pearlcoat exterior glimmers under city lights, reflecting the sophisticated character of the upscale communities it frequents. Inside, the cabin serves as a sanctuary from the outside world, offering a quiet, composed environment that makes every journey feel like a special occasion. It is the ideal companion for the discerning driver who refuses to compromise on style, safety, or the comfort of their passengers.

    Refined Performance and Command of the Road

    The heart of this 2023 Jeep Grand Cherokee L Limited 4x4 is the proven Pentastar 3.6L V-6 DOHC engine. Delivering a smooth and responsive 293HP, this powerplant is designed to provide effortless acceleration whether you are merging onto the highway for a commute to Decatur, IL, or traversing the gently rolling plains of Central Illinois. The engine is paired with a TorqueFlite 8-speed automatic transmission, known for its seamless gear changes and ability to maintain the engine's most efficient power band.

    Capability is woven into the DNA of this vehicle through the Quadra-Trac I automatic full-time 4WD system. This sophisticated drivetrain provides constant confidence, automatically adjusting power distribution to ensure maximum traction without any driver intervention required. For those moments when you desire a more spirited driving experience, the Drivetrain selectable Sport Mode sharpens the vehicle's responses, making the drive through the scenic routes of the Midwest more engaging.

    Despite its impressive size and three-row configuration, the Grand Cherokee L maintains a composed and comfortable ride thanks to the Multi-Link Front Suspension w/Coil Springs and Multi-Link Rear Suspension w/Coil Springs. This independent setup ensures that road imperfections are absorbed before they reach the cabin, providing a limousine-like quality even on uneven surfaces. Furthermore, the Engine Auto Stop-Start Feature helps manage fuel consumption during city driving, contributing to an EPA-estimated 25 highway MPG, allowing for longer stretches between visits to the pump during your travels across the region.

    Cutting-Edge Technology and Seamless Connectivity

    In the modern era, a luxury vehicle is defined by its ability to keep you connected and informed. The 2023 Jeep Grand Cherokee L Limited 4x4 excels in this regard, featuring the Uconnect 5 Nav with 10.1-inch Display Radio. This high-resolution touchscreen is the nerve center of the vehicle, offering intuitive control over navigation, media, and vehicle settings. With Wireless Apple CarPlay and Android Auto, your smartphone integrates perfectly with the interface, allowing you to access your favorite apps, music, and contacts without the clutter of cables.

    The driver is treated to a 10.25-inch full gauge cluster screen, which provides a customizable digital display of vital information directly in the line of sight. Whether you are following the Integrated navigation system with voice activation to a new boutique in a vibrant neighborhood or monitoring your ECO feedback display gauge, the information is presented with clarity and sophistication. For the passengers, the inclusion of 12 USB ports ensures that every device remains charged and ready, regardless of how long the journey lasts.

    Connectivity extends beyond the cabin with Connected Travel & Traffic Services, providing real-time updates to help you navigate around congestion or roadwork. The Handsfree Uconnect w/Bluetooth system allows for crystal-clear communication, ensuring you can stay in touch with family or business associates while keeping your hands on the wheel. Every element of the technology suite has been designed to be unobtrusive yet powerful, enhancing the driving experience without adding unnecessary complexity.

    Unrivaled Interior Comfort and Craftsmanship

    Step inside the cabin to find an environment draped in Global Black with Capri Leather Seats, offering a tactile experience that is both durable and luxurious. The interior architecture is highlighted by Piano Black Console Inserts and Chrome/Metal-Look Interior Accents, creating a modern aesthetic that rivals the finest European marques. With a seating capacity of 6, including Second-row bucket seats, every occupant is treated to a first-class experience with ample personal space.

    The attention to detail regarding passenger comfort is evident in the inclusion of Heated front seats, Heated rear seats, and a Heated Leatherette Steering Wheel. No matter how brisk the morning air becomes, the cabin remains a warm and inviting retreat. The Dual-zone front climate control and Rear climate control system with separate controls allow passengers in different rows to tailor their environment to their specific preferences, while Rear headliner/pillar ducts ensure consistent airflow throughout the expansive cabin.

    Utility meets luxury with the Power Liftgate Rear Cargo Access, making it easy to load groceries or luggage after a day of shopping. The Third-row split-bench seat can be easily configured to expand the cargo area, and the Power third-row head restraint control adds a level of convenience typically reserved for the highest tier of luxury SUVs. From the Remote activated perimeter approach lighting that greets you in the evening to the 120V AC Power Outlet for powering larger electronics, every feature has been thoughtfully included to elevate your daily routine.

    Advanced Safety and Driver Assistance

    Safety is the ultimate luxury, and the 2023 Jeep Grand Cherokee L Limited 4x4 is equipped with a comprehensive suite of driver assistance technologies designed to protect what matters most. The Adaptive Cruise Control w/Stop & Go is a standout feature, maintaining a set distance from the vehicle ahead and even bringing the Jeep to a complete stop in heavy traffic, significantly reducing driver fatigue during long trips.

    Peace of mind is further enhanced by the Full Speed Forward Collision Warning Plus and Active Lane Management systems, which act as a second set of eyes on the road. The Blind Spot Detection system alerts you to vehicles in your hard-to-see areas, making lane changes safer and more confident. When it comes time to park, the ParkSense with Stop rear parking sensors and the ParkView rear mounted camera provide a clear view and audible alerts to help you navigate into tight spaces with ease.

    The vehicles structural integrity is complemented by an advanced airbag system, including 2nd and 3rd Row Airbags and Driver and Passenger Knee Airbags, totaling eight airbags in all. With Electronic Stability Control, Brake Assist, and Hill Hold Control, the Grand Cherokee L remains poised and controlled in a variety of driving conditions. This commitment to safety ensures that whether you are driving through a quiet residential neighborhood or on a busy interstate, you are surrounded by some of the most advanced protective technology available today.

    Elegant Exterior Design and Presence

    The exterior of the 2023 Jeep Grand Cherokee L Limited 4x4 is finished in the stunning Diamond Black Crystal Pearlcoat, a deep, metallic paint that emphasizes the vehicles sophisticated lines. The Chrome grille and Chrome Side Windows Trim provide a brilliant contrast, while the 20 x 8.5-inch black aluminum wheels add a touch of modern, aggressive styling. This is a vehicle that looks just as at home at a high-end gala as it does in a private driveway.

    One of the most striking features is the Dual Pane Panoramic Sunroof, which floods the cabin with natural light and provides an airy, open feel for passengers in the first and second rows. The LED low and high beam headlights, along with LED front fog lights, provide exceptional visibility and a distinct light signature that is recognizable from a distance. The Rear lip spoiler and Molded In Color Black Roof Rails add functional style, hinting at the vehicle's adventurous spirit without compromising its refined silhouette.

    Every detail, from the Body-Colored Door Handles to the Active grille shutters designed for aerodynamic efficiency, has been crafted with purpose. The Heated side mirrors with integrated turn signals add both safety and convenience, ensuring a clear view in inclement weather. This Jeep does not just occupy space on the road; it defines it with a presence that is both powerful and polished.

    Key Highlights

    The 2023 Jeep Grand Cherokee L Limited 4x4 offers a wealth of premium features and capabilities designed for the modern luxury buyer.

    • Pentastar 3.6L V-6 Engine - Smooth and reliable power with 293HP.
    • Quadra-Trac I 4WD - Full-time four-wheel drive for year-round confidence.
    • Uconnect 5 Nav - Massive 10.1-inch touchscreen with integrated navigation.
    • Wireless Smart Device Integration - Cable-free Apple CarPlay and Android Auto.
    • Capri Leather Seats - Premium upholstery for a refined cabin feel.
    • Dual Pane Panoramic Sunroof - Expansive glass roof for an open-air experience.
    • Adaptive Cruise Control w/Stop & Go - Advanced assistance for stress-free highway driving.
    • Heated Front and Rear Seats - Exceptional comfort for all primary passengers.
    • Power Liftgate - Convenient hands-free access to the rear cargo area.
    • 20-Inch Black Aluminum Wheels - Bold and sophisticated exterior styling.
    • 4G LTE Wi-Fi Hot Spot - Stay connected on the go with mobile internet.
    • ParkSense with Stop - Rear sensors that can bring the vehicle to a halt to avoid obstacles.
    • Active Lane Management - Intelligent steering assistance to keep you centered.
    • 12 USB Ports - Unmatched connectivity for all passenger devices.
    • Memory Settings - Personalized positions for driver seat, mirrors, and audio.

    Visit Us at Pilson Ford

    Experience the pinnacle of American luxury and capability for yourself. We invite you to visit us at Pilson Ford, located at 2000 Lake Land Blvd, Mattoon, IL 61938, where our professional team is ready to provide a personalized tour of this exceptional vehicle. Whether you are traveling from Champaign, IL, or making the short drive from Charleston, IL, you will find our dealership conveniently situated and dedicated to providing a world-class experience.

    We encourage you to apply for financing online to streamline your visit, or value your trade to see how your current vehicle can help you transition into this 2023 Jeep Grand Cherokee L. If you have any questions or would like to arrange a private showing, please call us at 217-294-6910. You can also explore our full Pre-Owned Inventory to compare this model with our other premium offerings. We look forward to welcoming you to the Pilson Ford family and helping you find the perfect vehicle for your lifestyle. For more information, get directions to Pilson Ford and visit us today.

    Build Codes: ALC| TKY| WHF| MHP| MWE| 23E| GWJ| XPR| CYP| DFW| DLK| ERC| JLW| MDA| NAS| PXJ| SDA| UBN| Z1B| DL| X7| 135| 1AA| 2TE| 4AK| 4DM| 4EX| 4NU| 4UQ| 4XV| 573| 594| 5FY| 5I4| 5I8| 5L3| 5N6| 5ZC| 631| 6US| 7M9| 875| 894| 931| APA| BAD| BC1| BCZ| BGG| BHC| BHD| BNB| BNG| BNR| BNT| BR1| CAW| CBH| CDP| CEE| CFG| CG3| CGY| CHF| CJ1| CJ2| CKT| CLE| CSV| CUF| CWB| CWP| CXL| CYM| DHY| DJC| DLX7| DRH| DS8| DSM| GAH| GAK| GAP| GEG| GNA| GNC| GUC| GX4| GXD| HAH| JA8| JAD| JAU| JCE| JFB| JHF| JJ3| JJM| JKP| JKV| JLN| JLP| JP3| JPH| JPM| JPZ| JRC| JVG| JWG| LA5| LAF| LAX| LAY| LBB| LBC| LBG| LBH| LBP| LBU| LCJ| LCP| LCQ| LE1| LE7| LEB| LEM| LEQ| LFD| LMG| LMS| LNV| LP2| LPH| LPX| LSA| LST| LSU| MAG| MBA| MBQ| MDX| MJ5| MJW| MLK| MLX| MMJ| MNK| MVA| MVB| MVC| MWT| MXU| NEH| NF5| NHA| NHM| NHQ| NHS| NHZ| NMB| QXJ| R07| RAA| RCJ| RD3| RDG| RDZ| RE8| RF5| RF7| RFP| RFV| RHV| RS2| RS3| RSD| RSF| RTF| RTM| RTQ| RTU| RTV| SBL| SCJ| SUD| TBK| TZP| W1F| WLZ| X11| X72| X73| X74| X76| X77| X81| X82| X83| X84| X85| X88| X89| X8F| X8G| X8J| X8M| X8P| X8S| X8T| X8U| X8W| X8X| X8Y| X8Z| X91| X94| X9B| X9E| X9H| XAB| XAC| XAN| XAV| XBM| XBQ| XC4| XCA| XCT| XFC| XG8| XGD| XGM| XH3| XHZ| XJ7| XJM| XLN| XNW| XRB| XTG| XXN| YAA| YEP| YFD| YG1| ZAH| ZAX| ZNH| ZNX

    Tax, title, license and DOC fees extra. New/unused vehicles include applicable rebates and incentives. Prices subject to change without notice. See dealer for details.
    Jeep Grand Cherokee L
    • Certified

    Highlighted Features

    • Navigation system
    • Lane departure
    • Automatic temperature control
    • Emergency communication system
    • Power moonroof
    • Wireless phone connectivity
    • Front dual zone A/C
    • Auto high-beam headlights
    • Speed sensitive wipers
    • 3rd row seats
    • Split folding rear seat
    • Memory seat

    Included Packages & Accessories

    • Engine: 3.6L V6 24V VVT UPG I w/ESS
    • 3.45 Rear Axle Ratio
    • Normal duty suspension
    • GVWR: 6,500 lbs
    • 50 State Emissions
    • Engine Auto Stop-Start Feature
    • Automatic Full-Time Four-Wheel Drive
    • Engine oil cooler
    • 700CCA Maintenance-Free Battery w/Run Down Protection
    • 180 Amp Alternator
    • Towing Equipment -inc: Trailer Sway Control
    • 1400# Maximum Payload
    • Gas-Pressurized Shock Absorbers
    • Front And Rear Anti-Roll Bars
    • Electric Power-Assist Steering
    • 23 Gal. Fuel Tank
    • Quasi-Dual Stainless Steel Exhaust
    • Permanent Locking Hubs
    • Multi-Link Front Suspension w/Coil Springs
    • Multi-Link Rear Suspension w/Coil Springs
    • 4-Wheel Disc Brakes w/4-Wheel ABS, Front And Rear Vented Discs, Brake Assist, Hill Hold Control and Electric Parking Brake
    • Brake Actuated Limited Slip Differential
    • Tires: 265/60R18 BSW A/S LRR
    • Aluminum Spare Wheel
    • Compact Spare Tire Mounted Inside Under Cargo
    • Body-Colored Front Bumper w/Black Rub Strip/Fascia Accent and Chrome Bumper Insert
    • Body-Colored Rear Bumper w/Black Rub Strip/Fascia Accent and Chrome Bumper Insert
    • Black Bodyside Cladding and Black Fender Flares
    • Chrome Side Windows Trim and Chrome Rear Window Trim
    • Body-Colored Door Handles
    • Black Power Heated Side Mirrors w/Manual Folding and Turn Signal Indicator
    • Fixed Rear Window w/Wiper, Heated Wiper Park and Defroster
    • Deep Tinted Glass
    • Galvanized Steel/Aluminum Panels
    • Lip Spoiler
    • Chrome grille
    • Power Liftgate Rear Cargo Access
    • Auto On/Off Reflector Led Low/High Beam Daytime Running Auto High-Beam Headlamps w/Delay-Off
    • Front Fog Lamps
    • Perimeter/Approach Lights
    • LED Brakelights
    • Headlights-Automatic Highbeams
    • Laminated Glass
    • Streaming Audio
    • Integrated Roof Antenna
    • Active Noise Control System
    • 2 LCD Monitors In The Front
    • Connected Travel & Traffic Services Real-Time Traffic Display
    • Front Center Armrest w/Storage and Rear Seat Mounted Armrest
    • 4g Lte Wi-Fi Hot Spot Mobile Hotspot Internet Access
    • Manual Fold Seatbacks
    • Heated Leatherette Steering Wheel
    • Illuminated Front Cupholder
    • Rear Cupholder
    • 2 12V DC Power Outlets
    • Compass
    • Valet Function
    • Power Fuel Flap Locking Type
    • Remote Releases -Inc: Power Cargo Access
    • Garage Door Transmitter
    • Cruise Control w/Steering Wheel Controls
    • Adaptive Cruise Control w/Stop & Go
    • HVAC -inc: Underseat Ducts, Headliner/Pillar Ducts and Console Ducts
    • Illuminated Locking Glove Box
    • Driver foot rest
    • Interior Trim -inc: Simulated Wood/Metal-Look Instrument Panel Insert, Simulated Wood/Metal-Look Door Panel Insert, Piano Black Console Insert and Chrome/Metal-Look Interior Accents
    • Full Cloth Headliner
    • Leatherette Door Trim Insert
    • Chrome Gear Shifter Material
    • Day-Night Rearview Mirror
    • Driver And Passenger Visor Vanity Mirrors w/Driver And Passenger Illumination
    • Full Floor Console w/Covered Storage, Mini Overhead Console w/Storage, 2 12V DC Power Outlets and 1 Interior 120V AC Power Outlet
    • Front And Rear Map Lights
    • Fade-To-Off Interior Lighting
    • Full Carpet Floor Covering -inc: Carpet Front And Rear Floor Mats
    • Carpet Floor Trim
    • Cargo Area Concealed Storage
    • Molded In Color Black/Gloss Black Roof Rails
    • Cargo Space Lights
    • Tracker System
    • Instrument Panel Covered Bin, Driver / Passenger And Rear Door Bins
    • Delayed Accessory Power
    • Driver Information Center
    • Redundant Digital Speedometer
    • Outside Temp Gauge
    • Digital/Analog Appearance
    • Manual Anti-Whiplash w/Tilt Front Head Restraints and Fixed Rear Head Restraints
    • 2 Seatback Storage Pockets
    • Perimeter Alarm
    • Sentry Key Immobilizer
    • 2 12V DC Power Outlets and 1 Interior 120V AC Power Outlet
    • Air Filtration
    • Side Impact Beams
    • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
    • Blind Spot Detection Blind Spot
    • Full Speed Forward Collision Warning Plus
    • Tire Specific Low Tire Pressure Warning
    • Dual Stage Driver And Passenger Front Airbags
    • Curtain 1st, 2nd And 3rd Row Airbags
    • Airbag Occupancy Sensor
    • Driver And Passenger Knee Airbag
    • Rear child safety locks
    • Outboard Front Lap And Shoulder Safety Belts -inc: Height Adjusters and Pretensioners

    Detailed Specifications

    • 1-touch down
    • 1-touch up
    • Adaptive Cruise Control: Adaptive Cruise Control w/Stop & Go
    • Air conditioning
    • Audio memory
    • Automatic temperature control
    • Driver door bin
    • Driver vanity mirror
    • Emergency communication system
    • Front beverage holders
    • Front dual zone A/C
    • Garage door transmitter
    • Heated steering wheel
    • Illuminated entry
    • Memory seat
    • Moonroof sunshade: power
    • Navigation system
    • Overhead console
    • Passenger door bin
    • Passenger vanity mirror
    • Power moonroof
    • Power windows
    • Proximity key: doors and push button start
    • Rear air conditioning
    • Rear beverage holders
    • Rear door bins
    • Remote engine start
    • Remote keyless entry
    • Speed control
    • Telescoping steering wheel
    • Tilt steering wheel
    • Alloy wheels
    • Four wheel independent suspension
    • Front anti-roll bar
    • Power steering
    • Rear anti-roll bar
    • Wheel size: 20"
    • AM/FM radio: SiriusXM with 360L
    • Primary LCD size: 10.1"
    • Radio data system
    • Satellite radio trial duration with new vehicle purchase (months): 6
    • Smart device integration: Wireless Apple CarPlay/Android Auto
    • Steering wheel mounted audio controls
    • Wireless phone connectivity: Uconnect w/Bluetooth
    • 3rd row seats: split-bench
    • Front center armrest: w/storage
    • Front seats: bucket
    • Heated front seats
    • Heated rear seats
    • Power 4-way driver lumbar support
    • Power 4-way passenger lumbar support
    • Power driver seat
    • Power passenger seat
    • Rear seats Folding position: fold forward seatback
    • Reclining 3rd row seat
    • Split folding rear seat
    • Compressor: Not Available
    • Cylinder configuration: V-6
    • Drive type: four-wheel
    • Engine liters: 3.6L
    • Engine location: front
    • Fuel economy city: 18mpg
    • Fuel economy combined: 21mpg
    • Fuel economy highway: 25mpg
    • Fuel tank capacity: 23.0gal.
    • Horsepower: 293hp @ 6,400RPM
    • Hybrid traction battery type: none
    • Limited slip differential: brake actuated
    • Manual-shift auto
    • Mode select transmission
    • Number of valves: 24
    • Recommended fuel: Regular Unleaded
    • Sequential multi-point fuel injection
    • Standard fuel economy fuel type: gasoline
    • Torque: 257 lb.-ft. @ 4,000RPM
    • Transmission: 8 speed automatic
    • Variable valve control
    • Approach angle: 21 deg
    • Departure angle: 22 deg
    • Ground clearance (max): 274mm (10.8")
    • Ground clearance (min): 216mm (8.5")
    • Ramp breakover angle: 18 deg
    • Bumpers: body-color
    • Heated door mirrors
    • Power door mirrors
    • Power liftgate
    • Rear cargo: power liftgate
    • Spoiler
    • Trailer sway control
    • Turn signal indicator mirrors
    • 3rd row headroom: 947mm (37.3")
    • 3rd row hiproom: 1,090mm (42.9")
    • 3rd row legroom: 770mm (30.3")
    • 3rd row shoulder room: 1,318mm (51.9")
    • Compression ratio: 11.30 to 1
    • Curb weight: 2,128kg (4,692lbs)
    • Engine bore x stroke: 96.0mm x 83.0mm (3.78" x 3.27")
    • Engine displacement: 3.6 L
    • Engine torque: 257 lb.-ft. @ 4,000RPM
    • Exterior body width: 1,979mm (77.9")
    • Exterior height: 1,816mm (71.5")
    • Exterior length: 5,204mm (204.9")
    • Front headroom: 1,011mm (39.8")
    • Front hiproom: 1,458mm (57.4")
    • Front legroom: 1,049mm (41.3")
    • Front shoulder room: 1,504mm (59.2")
    • GVWR: 2,948kg (6,500lbs)
    • Interior maximum rear cargo volume: 2,396 L (85 cu.ft.)
    • Interior rear cargo volume: 487 L (17 cu.ft.)
    • Passenger volume: 4,301L (151.9 cu.ft.)
    • Payload: 635kg (1,400lbs)
    • Rear headroom: 1,013mm (39.9")
    • Rear hiproom: 1,430mm (56.3")
    • Rear legroom: 1,001mm (39.4")
    • Rear shoulder room: 1,473mm (58.0")
    • Towing capacity: 2,812kg (6,200lbs)
    • Turning radius: 5.8m (19.2')
    • Wheelbase: 3,091mm (121.7")
    • Appearance: digital/analog
    • Auto high-beam headlights
    • Blind spot: Blind Spot Detection warning
    • Compass
    • Configurable
    • Delay-off headlights
    • Front fog lights
    • Front reading lights
    • Fully automatic headlights
    • Lane departure: Active Lane Management active
    • Low tire pressure warning
    • Outside temperature display
    • Rear reading lights
    • Rear window defroster
    • Rear window wiper
    • Speed sensitive wipers
    • Tachometer
    • Trip computer
    • Variably intermittent wipers
    • Voltmeter
    • 4 wheel disc brakes
    • ABS brakes
    • Adjustable head restraints: driver and passenger w/tilt
    • Anti-whiplash front head restraints
    • Brake assist
    • Dual front impact airbags
    • Dual front side impact airbags
    • Electronic stability
    • Front pedestrian detection: prevention
    • Ignition disable
    • Knee airbag
    • Occupant sensing airbag
    • Overhead airbag
    • Panic alarm
    • Perimeter/approach lights
    • Rear collision: Cross Path Detection mitigation
    • Security system
    • Tracker system
    • Traction control
    Although every reasonable effort has been made to ensure the accuracy of the information contained on this site, absolute accuracy cannot be guaranteed. This site, and all information and materials appearing on it, are presented to the user "as is" without warranty of any kind, either express or implied. All vehicles are subject to prior sale. Price does not include applicable tax, title, and license charges. ‡Vehicles shown at different locations are not currently in our inventory (Not in Stock) but can be made available to you at our location within a reasonable date from the time of your request, not to exceed one week. All estimated monthly payments are with approved credit from lending institution.