Our process & what to bring to the dealership
At 3 Way Auto our Buy Here Pay Here process is designed to be simple transparent and local. Financing and payment servicing are handled through our in house finance company rather than traditional banks or outside lenders. This allows each situation to be reviewed individually with a focus on realistic payment options.
Whether you are just getting started or ready to move forward our team is here to explain each step of the process clearly. From pre qualification to vehicle selection and final approval we help drivers from Oak Grove Blue Springs Independence and the greater Kansas City area understand what to expect along the way.
Step 1 Get Started
Begin by submitting a pre approval form online or visiting 3 Way Auto in person. This first step allows our team to understand your interest and explain available options before you arrive.Step 2 Review and Pre Qualification
Our team reviews your information and confirms what is needed to move forward. As a Buy Here Pay Here dealership we focus on overall stability income and affordability rather than credit score alone. Down payments are required on financed vehicles and amounts can vary by situation.Step 3 Choose Your Vehicle
Once pre qualified we help you select a reliable used vehicle that fits your needs and approved payment range. Our inventory includes cars trucks vans and SUVs across a variety of makes and models.Step 4 Final Review and Drive
After final details are reviewed payment terms are clearly explained and the process is completed so you can move forward with confidence.How does Buy Here Pay Here work at 3 Way Auto?
Buy Here Pay Here financing at 3 Way Auto means financing and payment servicing are handled through our in house finance company rather than a traditional bank. This allows customers to work through a local process with clear communication.
What do I need to qualify for Buy Here Pay Here financing?
Most customers should plan to provide two forms of ID proof of income proof of residency and current contact information. Requirements can vary based on individual circumstances.
Can I qualify with bad credit or no credit?
Yes. We work with customers across many credit situations including bad credit or no credit. Our Buy Here Pay Here process focuses on overall stability and affordability rather than credit score alone.
Is a credit check required to get started?
The first steps are designed to gather basic information and explain available options. Any credit related reviews are discussed clearly if they are needed as part of the process.
How long does the approval process usually take?
Timelines can vary depending on the information provided. Our team works to keep the process clear and will communicate next steps as efficiently as possible.
Do I need to choose a vehicle before getting approved?
No. You can begin the pre approval process before selecting a vehicle. This helps you understand your options before shopping inventory.
Where is 3 Way Auto located and who do you serve?
3 Way Auto is located in Oak Grove Missouri and serves nearby communities including Blue Springs Independence and the greater Kansas City area.
Are vehicles inspected before they are sold?
Vehicles are reviewed for safety and reliability before being offered for sale. Our goal is to help customers choose dependable transportation.
How do payments work with Buy Here Pay Here financing?
Payments are managed through our in house finance company. Payment schedules and available options are explained clearly during the approval process so customers know what to expect.
Is 3 Way Auto a locally owned dealership?
Yes. 3 Way Auto is a locally owned dealership serving the Oak Grove community and surrounding areas with a straightforward Buy Here Pay Here process.
