Answers Today. A Smoother Tomorrow.
Frequently Asked Questions
Everything you need to know about buying, financing, warranty coverage and more at HB Auto. If you don’t see your question here, we’re always happy to help.
Can I buy a car with cash?+
Yes! We gladly accept cash purchases at HB Auto. For your security and ours, we ask that large cash purchases be made via cashier’s check, certified funds, or wire transfer. Please contact us in advance so we can prepare your paperwork and have the vehicle ready.
How do I get financing approval?+
You can apply for financing online through our Financing page or in person at either location. We work with a network of lenders to find competitive rates for a wide range of credit situations — most applicants receive a decision the same day.
What documents do I need to bring?+
Please bring a valid driver’s license, proof of insurance, and proof of income (such as a recent pay stub) if you’re financing. Cash buyers should bring a valid ID and the agreed-upon funds as outlined above.
Can I trade in my current vehicle?+
Yes — we accept trade-ins on nearly any make or model. Visit our Sell or Trade page to get an estimate, or bring your vehicle in for an in-person appraisal.
Do you offer test drives?+
Absolutely. Schedule a test drive online, by phone, or just stop by either location during business hours — no appointment necessary, though scheduling ahead guarantees the vehicle you want is ready when you arrive.
What does the optional CARS warranty cover?+
Our optional CARS warranty coverage helps protect you against the cost of covered mechanical repairs after your purchase. Coverage details and terms vary by plan — ask your sales consultant which options are available for your vehicle.
What credit score do I need to qualify?+
We work with lenders who consider a wide range of credit profiles, from excellent to rebuilding credit. The best way to know your options is to apply — it only takes a few minutes and won’t commit you to anything.
Can I apply for financing online before I visit?+
Yes — you can start your financing application on our Financing page and our team will follow up with your options before you even step onto the lot.
Do you offer financing for first-time buyers?+
Yes, we work with buyers who are financing a vehicle for the first time. Bring proof of income and residency and our finance team will walk you through your options.
What’s the difference between financing and leasing?+
Financing means you’re building equity toward owning the vehicle outright, while leasing is a lower-payment option for driving a vehicle for a set term. Ask our sales team which makes more sense for your situation.
Can I buy a car with cash?+
Yes! We gladly accept cash purchases at HB Auto. For your security and ours, we ask that large cash purchases be made via cashier’s check, certified funds, or wire transfer. Please contact us in advance so we can prepare your paperwork and have the vehicle ready.
Is there a limit on how much cash I can pay?+
For large purchases, federal regulations require reporting of cash transactions over $10,000, and for your convenience and security we ask that these be made via cashier’s check, certified funds, or wire transfer rather than physical cash.
Do I still need to bring identification for a cash purchase?+
Yes — a valid, government-issued photo ID is required for every purchase, cash or financed.
Will paying cash get me a better price?+
Cash purchases can simplify the buying process, but pricing is based on the vehicle itself. Ask your sales consultant about current offers and incentives.
How do I get an estimate for my trade-in?+
Visit our Sell or Trade page to submit your vehicle’s details online, or bring it in for a free in-person appraisal at either location.
Do I need to pay off my current loan before trading in?+
No — we can often work with your existing loan balance and apply it toward your trade-in value. Bring your most recent loan statement so we can look up the payoff amount.
Can I trade in a vehicle that isn’t running?+
In many cases, yes. Give us a call with your vehicle’s details and condition and we’ll let you know your options.
Will my trade-in affect my financing terms?+
Your trade-in value is applied toward your purchase, which can lower your loan amount or down payment — ask your finance consultant for the specifics on your deal.
What does the optional CARS warranty cover?+
Our optional CARS warranty coverage helps protect you against the cost of covered mechanical repairs after your purchase. Coverage details and terms vary by plan — ask your sales consultant which options are available for your vehicle.
How long does CARS warranty coverage last?+
Coverage terms vary by plan and vehicle — your sales consultant can walk you through the available term and mileage options at the time of purchase.
Is the CARS warranty required?+
No, CARS warranty coverage is optional. We’re happy to explain the available plans so you can decide what’s right for you.
Where can I get warranty repairs done?+
Covered repairs can typically be completed at HB Auto or another approved service facility — ask your sales consultant for details specific to your plan.
Do I need an appointment to test drive a vehicle?+
No appointment is required, but scheduling ahead helps guarantee the vehicle you want is cleaned, fueled, and ready when you arrive.
How do I schedule a service appointment?+
Visit our Service & Maintenance page and use the scheduling form, or call our service department directly.
Can I schedule a visit outside normal business hours?+
Our regular hours are listed on our Contact Us page — for anything outside those hours, give us a call and we’ll do our best to accommodate you.
What should I bring to my appointment?+
For a test drive, bring a valid driver’s license. For a service appointment, bring your vehicle and any relevant paperwork, like your warranty info if applicable.
Still Have Questions?
Our team is here to help with anything you couldn’t find above — reach out and we’ll get you an answer.