Actual terms vary by lender. Used My 2000 Ranger (3.0 V6 2WD) has over 180k miles on it and still runs great. I replaced a full injector and the upper and lower ball joints, but that's it.
Used Have had my 2010 the last four years and ... me out of a lot of dangerous driving situations. The amenities in the truck for its age are more than enough for what I need.