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Used 2017 Audi A4 2.0T near Homewood, IL

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Installed Options

Price
$23,777
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Vehicle Details

Mileage 45,937
Trim 2.0T
Stock # P6951
VIN WAUDNAF43HN058604
Exterior Color White
Interior Color Black
Gas Mileage City:24 Hwy:31
Doors 4
Passengers 5
Engine 2.0L I4 TFSI DOHC
Transmission 7-Speed Automatic S tronic
Drivetrain quattro
Carfax One Owner

Currently Viewing

2017 Audi A4 2.0T

Used 2017 Audi A4 2.0T

Mileage: 45,937

Price
$23,777

Description

White 2017 Audi A4 2.0T quattro quattro 7-Speed Automatic S tronic 2.0L I4 TFSI DOHC Power Sunroof / Moonroof, AWD / 4x4, Navigation / GPS, Leather, 7-Speed Automatic S tronic, quattro, Black Leather.24/31 City/Highway MPGAwards: * JD Power Automotive Performance, Execution...
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Additional Vehicle Information

  • Features
  • Specs

Features

Features

  • Mechanical
  • Exterior
  • Safety
  • Technology
  • Interior
  • Comfort

Mechanical

Drivetrain

Axle ratio 4.27
Drive mode selector
4WD type full time
Center differential mechanical

Engine

Auto start/stop
Battery saver
Alternator 150 amps
Battery maintenance-free

Brakes

Rear brake type ventilated disc
Brake drying
Rear brake diameter 13.0
Emergency braking preparation
Front brake diameter 13.3
Front brake type ventilated disc
Regenerative braking system
Braking assist
Electronic brakeforce distribution
ABS 4-wheel
Power brakes
Electronic parking brake

Suspension

Front suspension classification independent
Rear suspension classification independent
Front suspension type multi-link
Rear suspension type multi-link
Rear spring type coil
Front stabilizer bar
Rear stabilizer bar
Front spring type coil
Rear shock type gas
Front shock type gas
Front struts

Stability and Traction

Stability control
Traction control
Hill holder control

Exterior

Roof

Moonroof / Sunroof tilt/slide, one-touch open/close, power glass, sliding sunshade

Lights

Daytime running lights LED
Rear fog lights
Headlights cornering, HID/Xenon, wiper activated, auto delay off, auto on/off, self-leveling
Front fog lights
Taillights LED, LED rear center
Exterior entry lights security approach lamps

Tires and Rims

Spare tire size temporary
Tire type all season
Wheels alloy
Spare tire mount location inside
Spare wheel type steel
Tire Pressure Monitoring System

Windows

Window defogger rear
Front wipers variable intermittent, rain sensing
Power windows safety reverse
Heated windshield washer jets

Exterior Features

Front bumper color body-color
Mirror color body-color
Door handle color body-color
Exhaust tip color chrome
Grille color aluminum
Rear bumper color body-color
Front air dam
Exhaust dual tip
Window trim black

Safety

Safety

Rearview monitor in dash
Autonomous braking
Pre-collision warning system audible warning, visual warning
Automatic emergency braking front
Impact sensor post-collision safety system, door unlock, fuel cut-off
Child safety door locks
Child seat anchors LATCH system
Energy absorbing steering column
Body side reinforcements side impact door beams
Emergency interior trunk release
Camera system rearview
Impact absorbing bumpers
Crumple zones front, rear

Airbags

Airbag deactivation occupant sensing passenger
Side airbags front
Knee airbags dual front
Front airbags dual
Side curtain airbags front, rear

Security

Anti-theft system audio security system, engine immobilizer
2-stage unlocking doors
Power door locks auto-locking

Mirrors

Side mirrors integrated turn signals, heated
Side mirror adjustments power, manual folding

Technology

Audio System

Auxiliary audio input Bluetooth, jack, USB, memory card slot
Antenna type diversity, mast
In-Dash CD single disc, MP3 Playback
Subwoofer 1
Watts 180
Total speakers 9
Radio AM/FM
Radio data system
Digital Sound Processing
Speed sensitive volume control
Surround sound
Satellite radio SiriusXM

Telematics

Wifi hotspot
Smart device app function vehicle location, maintenance status, lock operation, send destination to vehicle
Driver assistance app roadside assistance
Wireless data link Bluetooth
Phone voice operated
Navigation system voice operated

In Car Entertainment

Connected in-car apps Twitter, sports, news, stocks
Infotainment Audi MMI Connect, Apple CarPlay ready, Android Auto ready
Infotainment screen size 8.3 in.

Instrumentation

Customizable instrument cluster
Instrument cluster screen size 12.3 in.
Trip computer
Driver information system
Clock
Gauge tachometer
Compass
Digital odometer
External temperature display
Warnings and reminders lamp failure, low fuel, engine oil, coolant, tire fill alert
Multi-function display
Fuel economy display MPG, range
Trip odometer

Interior

Seats

Driver seat power adjustments height, 8, 4-way power lumbar, reclining
Passenger seat power adjustments height, 8, lumbar, reclining
Rear headrests 3, adjustable
Rear seat folding split
Front headrests 2, adjustable
Front seat type bucket
Upholstery leather
Rear seat type 40-20-40 split bench

Seatbelts

Seatbelt pretensioners front, rear
Seatbelt force limiters front
Emergency locking retractors rear, front
Seatbelt warning sensor front
Rear seatbelts 3-point
Front seatbelts 3-point

Steering

Steering ratio 15.9

Comfort

Convenience Features

Cupholders front, rear
Steering wheel tilt and telescopic
One-touch windows 4
Reading lights front
Power steering variable/speed-proportional
Cargo area light
Cruise control
Retained accessory power
Multi-function remote panic alarm, proximity entry system, trunk release
Power windows lockout button
Courtesy lights door, console
Footwell lights
Overhead console front
Steering wheel mounted controls audio, cruise control, phone, multi-function, paddle shifter
Push-button start
Vanity mirrors dual illuminating
Assist handle rear, front
Center console front console with armrest and storage
Rearview mirror auto-dimming
Universal remote transmitter Homelink - garage door opener
Storage front seatback, grocery bag holder, cooled compartment, cargo tie-down anchors and hooks, cargo net, door pockets
Ambient lighting
Touch-sensitive controls

Comfort Features

Floor mat material carpet
Shift knob trim leather
Armrests rear center folding with pass-thru, rear center with cupholders
Steering wheel trim leather
Interior accents aluminum
Floor mats rear, front
Floor material carpet
Door sill trim stainless steel

Air Conditioning

Rear air conditioning automatic climate control, independently controlled
Front air conditioning automatic climate control
Front air conditioning zones dual
Rear air conditioning zones single
Air filtration

Specs

Specs

Drive Type

Drive Type AWD

Seating

Standard Seating 5
Max Seating 5
Head Room (front) 38.9 in
Head Room (rear) 37.4 in
Shoulder Room (front) 55.9 in
Shoulder Room (rear) 54.5 in
Leg Room (front) 41.3 in
Leg Room (rear) 35.7 in
Seating Rows 2

Measurements of Size & Shape

Length 186.1 in
Width 79.6 in
Width (without mirrors) 72.5 in
Height 56.2 in
Wheelbase 111 in
Track Width (front) 61.9 in
Track Width (rear) 61.2 in

Measurements of Weight

Curb Weight 3626 lbs

Interior Dimensions

Cargo Volume 13 cu ft
Passenger Volume 92 cu ft

Performance Specifications

Aerodynamic Drag 0.27 Cd
Turning Circle 38.1 ft
Acceleration (0-60MPH) 5.7 seconds

Fuel Tanks

Fuel Capacity 15.3 Gallons

Wheels and Tires

Front Tire Type 225/50R18 95H
Front Wheel Diameter 18.0 x 7.5 in
Rear Tire Type 225/50R18 95H
Rear Wheel Diameter 18.0 x 7.5 in

Awards

Award
10 Best Car Interiors Under 50k (2017 Model)
- Autotrader

Award
10 Best Compact Luxury Cars (2017 Model)
- Autobytel

Award
10 Most Advanced Cars (2017 Model)
- Autobytel

Award
All-Star: Contender (2017 Model)
- Automobile Magazine

Award
Automotive Performance, Execution and Layout (APEAL) Study: Highest Ranked in Segment (2017 Model)
- J.D. Power and Associates

Award
Best Buy: Luxury Car (2017 Model)
- Kelley Blue Book

Award
Best Buy: Premium Compact Cars (2017 Model)
- Consumer Guide Automotive

Award
Best Car to Buy - Nominee (2017 Model)
- The Car Connection

Award
Best Cars for the Money (2017 Model)
- US News

Award
Best CPO Value in America: Luxury Car Brand (2017 Model)
- Vincentric

Award
Best Luxury Sedan (2017 Model)
- Good Housekeeping

Award
Best Premium Car (2017 Model)
- Daily News Autos

Award
Best Upscale Small Cars (2017 Model)
- US News

Award
Buyers Choice: Best Luxury Car (2017 Model)
- Autobytel

Award
Buyers Choice: Best Overall Car of the Year (2017 Model)
- Autobytel

Award
Car of the Year: Finalist (2017 Model)
- Motor Trend

Award
Car of the Year: Runner-up (2017 Model)
- Business Insider

Award
Driver's Choice Award: Best Sport Sedan (2017 Model)
- MotorWeek

Award
Drivers Choice: Best New Luxury Car - Nominee (2017 Model)
- The Car Connection

Award
Editors Choice Awards: Luxury Cars (2017 Model)
- Car And Driver

Award
Most Wanted (2017 Model)
- Edmunds

Award
Top 10 Luxury Cars (2017 Model)
- Autobytel

Award
Top Rated Sedans (2017 Model)
- Edmunds

Award
Top Recommended Midsize Luxury Cars (2017 Model)
- Edmunds

Award
Top Safety Pick+ - Midsize Luxury Cars (2017 Model)
- Insurance Institute for Highway Safety

Crash-Test Ratings

2017 Audi A4 4 DR AWD

Overall
Full StarFull StarFull StarFull StarFull Star
Front Crash Overall
Full StarFull StarFull StarFull StarEmpty Star
Front Crash Driver
Full StarFull StarFull StarFull StarEmpty Star
Front Crash Passenger
Full StarFull StarFull StarFull StarEmpty Star
Side Crash Overall
Full StarFull StarFull StarFull StarFull Star
Side Barrier Overall
N/A
Side Barrier Driver
Full StarFull StarFull StarFull StarFull Star
Side Barrier Passenger
Full StarFull StarFull StarFull StarFull Star
Side Pole Driver
Full StarFull StarFull StarFull StarFull Star
Side Combined Front
N/A
Side Combined Rear
Full StarFull StarFull StarFull StarFull Star
Rollover
Full StarFull StarFull StarFull StarFull Star

Green Score

EPA Green Score ( Federal Tier 3 Bin 125 ?
EPA and California-required standards. The names refer to tables of numerical limits for the various air pollutants allowed by the standards.
)

Fuel Type Gasoline
Air Pollution Score ?
The Air Pollution Score is based on the government emission standards for which the vehicle was certified to comply with and reflects vehicle tailpipe emissions that contribute to local and regional air pollution, creating problems such as haze, and health issues.
6
1
6
10
Greenhouse Gas Score ?
This score reflects fuel emissions of carbon dioxide (CO2) and other greenhouse gases.
6
1
6
10
Smartway ?
SmartWay is a designation earned by those vehicles that have combined Air Pollution and Greenhouse Gas Scores that place them in the top tier (approximately the top 20%) of environmental performers. SmartWay Elite is reserved for the best of the best.
N/A

EPA Green Score ( LEV-III ULEV125 ?
EPA and California-required standards. The names refer to tables of numerical limits for the various air pollutants allowed by the standards.
)

Fuel Type Gasoline
Air Pollution Score ?
The Air Pollution Score is based on the government emission standards for which the vehicle was certified to comply with and reflects vehicle tailpipe emissions that contribute to local and regional air pollution, creating problems such as haze, and health issues.
6
1
6
10
Greenhouse Gas Score ?
This score reflects fuel emissions of carbon dioxide (CO2) and other greenhouse gases.
6
1
6
10
Smartway ?
SmartWay is a designation earned by those vehicles that have combined Air Pollution and Greenhouse Gas Scores that place them in the top tier (approximately the top 20%) of environmental performers. SmartWay Elite is reserved for the best of the best.
N/A

Testimonials

Andrew Spicka
Andrew Spicka
GOOGLE
7-29-2020
Full Star Full Star Full Star Full Star Full Star

I dealt with OC over text, I told him the exact vehicle my wife and I wanted. I gave him my trade in information, how much we wanted to put down and he beat every other dealers price. We looked at many different dealers for a certain vehicle. After he told us our monthly payment we stopped in after work and purchased the vehicle. Quick and painless I would highly recommend Bill Kay Ford.

"Very Smooth Buying Experience"

Edge Buyer
DEALERRATER
7-17-2020
Full Star Full Star Full Star Full Star Full Star

My salesperson, OC Glover, offered a very competitive price and was very accommodating in conducting an extended dealer trade search to find the vehicle with the exact features I was requesting. The numbers OC presented to me were the exact numbers I saw when I entered the finance office. Mark in the finance office, did his due diligence in providing information on extended warranties and various packages, but did not push anything on the customer. The overall purchasing experience was smooth, laid back and at no time were sales pressure tactics utilized. I am very pleased with the new car buying experience at Bill Kay Ford.

Daniela V.
YELP
7-13-2020
Full Star Full Star Full Star Full Star Full Star

Best buying experience ever!!! Thank you to Mark & Juan for taking great care of me during this buying experience.

Roci
CARGURUS
7-10-2020
Full Star Full Star Full Star Full Star Full Star

Great

"Did good work. But did not give an estimate before work..."

Paul 113068
DEALERRATER
7-8-2020
Full Star Full Star Full Star Empty Star Empty Star

Did good work. But did not give an estimate before work was completed. As they stated when car was left.But did apologize & gave a small discount from labor cost.

"This was my second time buying from Bill Kay Ford. They..."

Ellietteee
DEALERRATER
7-2-2020
Full Star Full Star Full Star Full Star Full Star

This was my second time buying from Bill Kay Ford. They were exceptional and made my first time buying brand new a breeze. Thank you!

Tommy M
Tommy M
GOOGLE
6-30-2020
Full Star Full Star Full Star Full Star Full Star

Was on my way to another Ford dealer when I drove by here. Figured I'd stop in and see if they could match the price of where I was heading. Found out that the price shown at the other dealer included rebates that I wouldn't even be eligible for (First Responder, Veteran, etc.). Bill Kay Ford still had all the other manufacturer and ford rebates that I was eligible for taken off the MSRP. It would've cost me more at the other dealer. It was a seemingly smooth process. Mike D was on his game. He walked me throught the entire process effortlessly. I'd highly recommend anybody to go buy a car from Mike. He also got the service department to look at my current car and give me a great price on my trade in, way more than I thought it was worth. I couldn't have asked for a better car buying experience. Thanks, Mike D! I'll see you again when I need another car for sure.

"I was impressed by Juan’s courtesy, respect, and..."

Wendy
DEALERRATER
6-30-2020
Full Star Full Star Full Star Full Star Empty Star

I was impressed by Juan’s courtesy, respect, and knowledge. He was patient with me and my husband as we thought about purchasing the car. When we baulked at what we thought was a low offer for our trade-in, he spoke with superior, who gave us a better offer. He was enthusiastic and efficient about completing the paperwork and other details. Dave was extremely efficient and good humored about all the paperwork, and we left on good terms. My husband and I strongly recommend this dealership.

Bill Olmsted
Bill Olmsted
GOOGLE
6-29-2020
Full Star Full Star Full Star Full Star Full Star

Excellent sales experience with Juan Hurtado, felt safe since all wore masks and practiced distancing (except for finance manager). Very satisfactory overall, fair trade-in price, fair pricing and zero APR for 72 month loan.

Michelle Hicks
Michelle Hicks
GOOGLE
6-26-2020
Full Star Full Star Full Star Full Star Full Star

I haven’t had to purchase a car in 6 years. I called and spoke to Kevin and he was very professional and helpful with getting me a car that I absolutely love. My experience was pleasant and straight to the point. Kevin was able to assist myself and another customer buying a car at the same time and we both left happy. I’ll definitely purchase from him again.

"I haven’t had to purchase a car in 6 years. I called and..."

Michelle Janine
DEALERRATER
6-25-2020
Full Star Full Star Full Star Full Star Full Star

I haven’t had to purchase a car in 6 years. I called and spoke to Kevin and he was very professional and helpful with getting me a car that I absolutely love. My experience was pleasant and straight to the point. Kevin was able to assist myself and another customer buying a car at the same time. I’ll definitely purchase from him again.

"Mark the used car manager found my dream car!! Everyone..."

Nicole_fidan
DEALERRATER
6-25-2020
Full Star Full Star Full Star Full Star Full Star

Mark the used car manager found my dream car!! Everyone in the dealership made my experience so easy! Thank you so much! Very happy with my car!

"great service"

Patty
DEALERRATER
6-25-2020
Full Star Full Star Full Star Full Star Full Star

I took my 2017 Ford Escape in for a recall, ended up getting oil change, tires rotated, maintance check. in & out in 45 minutes. I call that great service.

"Very nice to work with bought 2 cats and a truck from..."

AREADISPATCHER
DEALERRATER
6-25-2020
Full Star Full Star Full Star Full Star Full Star

Very nice to work with bought 2 cats and a truck from them get all my service done hete woll listen to you when you have a problem

"Anytime we do repairs at this shop, we meet technicians..."

Godson
DEALERRATER
6-25-2020
Full Star Full Star Full Star Full Star Full Star

Anytime we do repairs at this shop, we meet technicians who are some of the most competent in the business. They do their work expertly and professionally, and the work is done remarkably well, and on time. Kudos!

"The service department was real Curtis they were real..."

dent60104
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

The service department was real Curtis they were real attendances they kept me updated on the progress of my vehicle they help me out with my car shield insurance they were very patient with my car shield and pay insurance thank you very muc h

"Just professional and Courteous I was given a full detail..."

Aperry
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

Just professional and Courteous I was given a full detail as to what was going on with my vehicle I was called in a timely manner to let me know what was going on with my vehicle my vehicle was cleaned washed

"I love this place always helpful and nice and..."

MAURREEN.STAMM
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

I love this place always helpful and nice and trustworthy. Everyone there is so nice and eager to help me every time I got service

"Very respectful and did a wonderful job. PJ made sure..."

Bk17219
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

Very respectful and did a wonderful job. PJ made sure all of my concerns with the vehicle were brought to the technicians attention and addressed. When I pick up my car ,it was running great, it was cleaned and Dustin Collins came out to make sure that I was 100% satisfied.

"Romario is the best!! He was very helpful and..."

jolyene_valles
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

Romario is the best!! He was very helpful and professional. I Would definitely go back to him on my next trade in. Very pleased with his services

"I needed work done on my Flex, but did not what to take..."

gordonbay55
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

I needed work done on my Flex, but did not what to take it to a local mechanic. I whated it done correctly by a ford mechanic.

"I Found what I need!I wasn’t treated by used cars..."

sam
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Empty Star

I Found what I need! I wasn’t treated by used cars manager like I want, when I asked about price discount, he gave me $1 coupon for coffee Salesman Mike was nice and helpful .

"My service is always pleasant. The wait is just too..."

Dmcewen54
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Empty Star

My service is always pleasant. The wait is just too long. The reps are friendly and very accommodating. The waiting room is is always clean. It would be nice to have a loaner for an hour or 2 to run errands. Other than that I'm a satisfied customer.

"Service was great. service personnel were polite and..."

BIRDHOG
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

Service was great. service personnel were polite and informative. Will bring my vehicle back in the future. Highly recommended. Dealership clean and covid 19 safe.

"Clean pleasant environment, friendly staff hardworking...."

geno
DEALERRATER
6-24-2020
Full Star Full Star Full Star Full Star Full Star

Clean pleasant environment, friendly staff hardworking. the sales staff work thorough and looks for the best benefits and saving available. Making sure your vehicle is clean and also explains the functions and features of the vehicle.

I took my car in for a electrical problem and my check...

mbrown1173
CARS
6-22-2020
Full Star Full Star Full Star Full Star Empty Star

I took my car in for a electrical problem and my check engine light was on. PJ really made sure my car was done in a timely manner. He was very professional and courteous. I gave 4 stars because the text they sent stating I can check on my car by texting the number back and when I did no one never reply back. So I just kept calling.

"I took my car in for a electrical problem and my check..."

mbrown1173
DEALERRATER
6-22-2020
Full Star Full Star Full Star Full Star Empty Star

I took my car in for a electrical problem and my check engine light was on. PJ really made sure my car was done in a timely manner. He was very professional and courteous. I gave 4 stars because the text they sent stating I can check on my car by texting the number back and when I did no one never reply back. So I just kept calling.

oil change and change batteries on car fob

JGALLIGANI
CARS
6-21-2020
Full Star Full Star Full Star Full Star Full Star

I had an appointment for oil change and when I arrived Mr. Pritchar was ready to take care of my car. He was very pleasant and professional. I waited for my car, paid for the service and went to my car. When I started the car a light went on to replace my car starter fob battery. I went back in and met Mr .Cotten who replaced my batteries for me .thank you guys for being so nice .

Great Service and are extremely reasonable pricing....

bkosidowski1992
CARS
6-21-2020
Full Star Full Star Full Star Full Star Full Star

Great Service and are extremely reasonable pricing. Treated me like a member of the family. I can't thank them for helping me get into this awesome vehicle.

"oil change and change batteries on car fob"

JGALLIGANI
DEALERRATER
6-21-2020
Full Star Full Star Full Star Full Star Full Star

I had an appointment for oil change and when I arrived Mr. Pritchar was ready to take care of my car. He was very pleasant and professional. I waited for my car, paid for the service and went to my car. When I started the car a light went on to replace my car starter fob battery. I went back in and met Mr .Cotten who replaced my batteries for me .thank you guys for being so nice .

"Great Service and are extremely reasonable pricing...."

bkosidowski1992
DEALERRATER
6-21-2020
Full Star Full Star Full Star Full Star Full Star

Great Service and are extremely reasonable pricing. Treated me like a member of the family. I can't thank them for helping me get into this awesome vehicle.

When i arrived at Bill Kay Ford in Midlothian there was a...

Ipeirce
CARS
6-18-2020
Full Star Full Star Full Star Full Star Full Star

When i arrived at Bill Kay Ford in Midlothian there was a salesman waiting to help me and my fiance select a vehicle that was right for us. Mena Karas was a polite and informative salesman and Dave Edwards in finance was great to deal with and also very informative and polite. I had a great overall experience at Bill Kay Ford i will purchase all my future vehicles at this location.

Great buying experience with them. Great customer service...

Gholstont31
CARS
6-18-2020
Full Star Full Star Full Star Full Star Full Star

Great buying experience with them. Great customer service and easy to work with the salesman. Definitely would buy another car from them in the future!!!

"Great buying experience with them. Great customer service..."

Gholstont31
DEALERRATER
6-18-2020
Full Star Full Star Full Star Full Star Full Star

Great buying experience with them. Great customer service and easy to work with the salesman. Definitely would buy another car from them in the future!!!

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Disclaimer

*All pricing and details are believed to be accurate, but we do not warrant or guarantee such accuracy. The prices shown above may vary from region to region, as will incentives, and are subject to change. Vehicle information is based off standard equipment and may vary from vehicle to vehicle. Call or email for complete vehicle information. All specifications, prices and equipment are subject to change without notice. Prices and payments do not include tax, titles, tags, finance charges, documentation charges, emissions testing charges, or other fees required by law, vehicle sellers or lending organizations.

Based on 2019 EPA mileage estimates, reflecting new EPA fuel economy methods beginning with 2008 models. Use for comparison purposes only. Do not compare to models before 2008. Your actual mileage will vary depending on how you drive and maintain your vehicle.

While every effort has been made to ensure display of accurate data, the vehicle listings within this website may not reflect all accurate vehicle items. Accessories and color may vary. All inventory listed is subject to prior sale. The vehicle photo displayed may be an example only. Vehicle Photos may not match exact vehicles. Please confirm vehicle price with Dealership. See Dealership for details.

Must finance with Ford Motor Credit