Financing FAQs

After you've searched the inventory at Kyners Auto Sales for the ideal new vehicle to bring back to your garage, our team of finance experts are determined to fit it perfectly into your budget.

We've compiled a list of frequently asked questions from our customers, which should make finding the ideal financing terms in the greater Chambersburg area a whole lot simpler.


  • Monday 8:30AM-8:00PM
  • Tuesday 8:30AM-8:00PM
  • Wednesday 8:30AM-8:00PM
  • Thursday 8:30AM-8:00PM
  • Friday 8:30AM-8:00PM
  • Saturday 8:30AM-4:00PM
  • Sunday Closed

What is a credit score?

In its simplest forms, a credit score is a three-digit number that results from an analysis of the information from your credit report. This can consist of amounts owed, types of credit used, new credit, length of credit history, and payment history. It was created in order to determine the likelihood that you would become delinquent on your debt or credit, which can make it easier or harder to qualify for various forms of loans.


How do late/missed car payments affect my credit score?

By missing payments for a vehicle, you are doing similar damage to your credit score as not paying any other bill from a debt source. In fact, your account payment history makes up 35 percent of your FICO credit score, which can include a financed loan or short-term lease.


How are interest rates determined for auto loans?

There are several factors that come into play with your interest rate for a car loan. First and foremost is your credit score, which provides a clear picture of your financial landscape, but you also need to take the total loan amount and your personal debt ratio into consideration. If you can manage to pay a higher down payment or require less financing to pay for your vehicle, then you can easily claim a lower interest rate - since there is a lowered risk for a dealership.


How do down payments affect my monthly payments?

Not only can a higher down payment make your interest rate more favorable, but it can also make your monthly obligations less expensive. That's because the more funds that you can put down up front reflects in how the remainder of your vehicle's cost, spread out over the course of your lease or loan agreement.

We Offer Guaranteed Financing in Chambersburg, PA


So if you still have some questions about credit scores and auto financing, don't hesitate to visit our finance center at Kyners Auto Sales and learn more from our expert staff members. We're happy to serve drivers from Waynesboro PA, Gettysburg PA, and Hagerstown MD, so be sure to confide with us during your next car search. We look forward to seeing you soon at 2040 Lincoln Way E!

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Our Location

  1. Kyners Auto Sales

    2040 Lincoln Way E
    Chambersburg, PA 17202

    • Kyners Auto Sales: (717) 261-1511
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