HGreg.com – The Dealership That Pays


Buy a car. Refer a friend. Earn some cash!

When we started out in 1993, we had a simple concept. We were determined to sell quality pre-owned vehicles at the cost we invested in them plus $399. That was it. That was our profit and that’s how we still operate today.

To this day, our jubilant customers still can’t believe the great deals they receive, which prompts them to tell everyone they know about us and how we operate.

In a world of television commercials and social media posts, we reflect on our humble beginnings where word-of-mouth was an essential component that helped us to get to where we are now. We value our word-of-mouth business and that is why we are introducing our Ambassador’s Reward Program. For each referral we are sent, we are paying $100 to the person who referred us.*

How it works!

If you are a previous customer who already purchased a vehicle and know someone who is in the market for a quality pre-owned vehicle, send them to us.** You get paid for each referral we receive from you. Make sure when your referral arrives they let us know that you sent them. They will need to provide us with your name, phone number, email address and mailing address.

For your convenience, you may visit our Ambassador’s Reward Program page and fill out the form. Once filled out, our team will verify that you and your referral both purchased a vehicle. Once verified, we will mail you a check. It’s that simple.

*Customer’s referral must purchase a vehicle in order to redeem the $100.

**Only customers who have already purchased a vehicle from HGreg.com or HGreglux.com may participate in our Ambassador’s Reward Program.




Check Out Our New Arrivals!


We have some special vehicles in our inventory! You’ve seen them in your favorite films and TV shows. Some of these vehicles have been driven by your favorite hero and role model. Now you can own the special vehicle of your dreams. You’ll be the new driver able to talk to your fancy new ride, who, in some cases, will talk back and maybe even help you on special missions.

We have great new arrivals of classic cars that we know you would love to get your hands on. Check them out!

The Tumbler

Aston Martin

Ford Econoline

Grease Lightening

The Ghost Rider

Lightening McQueen

British Leyland Mini 1000

Ford Explorer XLT

Did we mention that this was an April Fool’s joke!


Frequently Asked Questions Ansered


We here at HGreg.com understand that our customers have questions and we are always happy to clarify things. We decided to compile a list of the most commonly asked questions, and answer them.

1.      What will my down payment be? Am I able to take the car home today and make payments on the down payment?

Unfortunately, here at HGreg.com, we do not have a system set up for customers to make payments on their down payments. The average down payment is about $1000, but nearly every customer’s down payment is different. However, our finance officers are willing to work with you and your specific needs.

Chances are, if you have your down payment, are approved by financing and have everything listed in answer #3, there’s a great chance you’ll be driving home today!

2.      Am I approved?

We work with everyone, even those with unique financial situations. The terms of our auto loan are tailored specifically to your unique financial situation. We have various finance programs that will be sure to meet your specific needs.

3.      What do I need to bring with me to get into a vehicle?

To get into a vehicle you need to bring your:

  • Driver’s license
  • Proof of income (which is determined through a pay stub)
  • Proof of insurance
  • Proof of residence (which is usually a utility bill)

For a more information on what to bring, learn How You Can Prepare For Fast Approval.

4.      How long does the process take? Can I drive it home today? Do I need to come in to finish the application?

The overall process time varies between each customer. Most customers are in and out within a couple of hours. However, the amount of time depends entirely on the customer.

To make your process quick, you can apply for financing online before stepping foot inside the dealership. It would also be beneficial to have the vehicle you want in mind and don’t forget to bring the items in answer #3.

5.      What if I see a car I want online but do not live in Florida.

If you find a car on our website that you are interested it, that’s fine. We can go through the entire process with you over the phone and then ship the car to you.

6.       Are your prices higher compared to other used car dealers?

No. We offer a lifetime engine warranty, a three day money back guaranty, 24-hour roadside assistance, and a 30-day warranty on qualified vehicles – and our prices are still lower than our competitors.


7.       Are you really able to help me if I have no credit?

Absolutely, at HGreg.com we believe that everyone deserves the chance to drive a great, used car. Don’t believe me? Take two minutes and see for yourself with our online approval.

Still have questions about buying a used car from HGreg.com? Not a problem. Contact us!

How You Can Prepare For a Fast Approval


Most people finance their vehicle purchases because few can purchase their vehicles cash. However, many people don’t know a great deal about the finance process. We here at HGreg.com want to help you be better prepared for the financing process before you set foot on the dealership lot. With pre-approved financing, you will enjoy similar benefits as if you were paying by cash or check. The following steps are to help you prepare for a fast approval.

Make sure your credit report is accurate.  According to the Federal Trade Commission (FTC), 26% of consumers have at least one error on their credit reports, and 5% have errors that lead them to either be denied credit or pay higher rates of interest on financial products like auto loans. For this reason, it is important to request your credit report, check it for errors, and dispute any errors you find.  The FTC has found that in about 50% of cases, this leads to an increase in one’s credit score.

Make sure you meet minimum auto lending requirements. Most banks, credit unions, and other lenders that pre-approve borrowers for financing require a minimum monthly pre-tax income of $1500, as well as a debt-to-income ratio (DTI) of 45% or less. You may not be able to boost your income in the short term, but you can improve your DTI by paying off your debts.

Bring your proof of income to the dealership.  Most lenders require you to submit a current pay stub – no more than 30 days old and showing year-to-date salary totals. In most cases, they will want you to be a full-time W2 employee. Self-employed borrowers will need to provide at least 90 days of current bank deposit records and up to 5 year’s of tax returns.

Make sure your driver’s license is valid.  Although this should be obvious, many people don’t realize that they need a valid driver’s license in the state where they reside. Sometimes people have suspended licenses without even realizing it. You want to be sure that your driver’s license is up-to-date and valid.

Make certain you have full coverage insurance. All reputable auto lenders now require consumers to carry a full coverage insurance policy on the financed vehicle. This ensures that the at least part of the loan balance will be recouped in the event of an at-fault accident that totals the vehicle.

If you are considering buying a car, one of our finance officers can help you get started today.

Important Details to Consider When Choosing a Co-Signer

[Photo credit: Got Credit]

[Photo credit: Got Credit]

If you have poor credit, a co-signer could be a good option for you. However, both you and your co-signer need to be fully aware of the financial commitment that you both will be under before starting the process loan process. We here at HGreg.com wanted to provide you with some information that you should take into consideration when thinking about a co-signer.

Can You Trust One Another?

Your co-signer will be responsible for any payments that you cannot make. Additionally, if your payments are missed or late, both you and your co-signer’s credit score will be affected. Your co-signer has to trust that you will be able to make all of your payments on time and you will have to trust that your co-signer will have your back if you need some help. If possible, choose someone who is responsible and financially stable.

Do You Both Have Good Communication?

Communication is key and goes hand in hand with trust. For example, if you are having a difficult month and don’t feel like you can make your payment, you need to reach out to this person and let him or her know so that he or she can help out. It is up to you to be responsible and not jeopardize yours or your co-signer’s credit. Give them plenty of advance notice.

Just keep in mind that a co-signer can make the car buying process a bit easier, but you both need to be on the same page to make it work. If you are considering a co-signer, one of our finance officers can help you decide if that is the best decision for you.

What’s The Best Oil For Your Car?


There are so many types of oil that you can choose for your car, it’s difficult to make the best decision. Although, you may want to choose the cheapest option that will be great for your pockets, there’s that little voice in the back of your mind telling you that “You’ll get what you pay for.” However, you know that it isn’t always necessary to choose the most expensive option either. How can you find the most cost-effective and best quality oil that’s good for you?

Why is the type of motor oil important to consider?

Motor oil is used as a greasy barrier between the parts of your engine, helping your vehicle run cleanly and more smoothly. According to Fox & Fox, motor oil cuts down the friction in your engine. When your engine doesn’t have enough oil, then friction occurs, which in turn slows everything down and increases the amount of heat produced. If you don’t replace your motor oil often enough or are using the wrong kind, you might be allowing too much friction to interfere with your car’s performance. Vehicle repairs are much more expensive than oil maintenance.

What is viscosity?
Motor oil is often measured by its viscosity grade and viscosity is a fluid’s resistance to flow. It’s important that the liquid flows through the engine easily, and you don’t want it to get too hot that it just drips away. That’s why knowing your vehicle’s viscosity grade is important.

Motor oil bottles have a combination of numbers and the letter W on the label – this stands for viscosity flow and the W stands for winter. So, for example, a bottle that has 10W-40 on the label has less viscosity in cold and hot than a bottle that has 20W-50. Essentially, the oil will thin when hot and thicken when cold and finding a good balance of thin/thick oil is crucial, because if your oil is too thick then your engine is going to work too hard, and if your oil is too thin then the engine is going to burn it up and this will cause more friction in the engine.

Conventional or synthetic oil?
Viscosity isn’t the only thing to consider when it comes to motor oil. According to Mobil, synthetic oils are better because many impurities are removed. Further, these oils can be tailored to respond better with certain engines. Mobile noted that synthetic oils work better for your engine and can protect it more efficiently for a longer period of time.


Now you know!
Although it would be nice to pay the cheapest price for motor oil, there are other very important factors to take into consideration. Be sure to always check your vehicle’s owner manual or do an online search of your make and model if you’re unsure about the oil you should use. Remember, our service department will be more than happy to help you with all of your car maintenance needs.