The Motor Zone - Serving South Jersey's Used Car Needs
Mount Ephraim, NJ's Nearest Subprime & BHPH Dealer · 856-262-9500

Camden County, NJ · 9 Miles

Used Cars & Auto Loans
Near Mount Ephraim, NJ

We are The Motor Zone — South Jersey's go-to dealer for buyers with bad credit, no credit, and prior financial issues. We always try bank financing first, and back it up with buy here pay here when needed.

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Financing Snapshot

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Subprime Bank Financing

Real bank, lower rates, credit bureau reporting

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Buy Here Pay Here

In-house financing, income-based approval

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Down Payments from $995

Trade-ins accepted toward down payment

Financing Mount Ephraim, Camden County

Mount Ephraim is a small borough in Camden County, incorporated in 1926, bordering Bellmawr, Oaklyn, and Gloucester City.

The borough sits along the Black Horse Pike (Route 168) corridor, a major commercial artery in South Jersey.

The Motor Zone has been serving South Jersey buyers since 2006. Our Stratford location at 1010 N White Horse Pike is just 9 miles from Mount Ephraim — and our subprime and BHPH programs are some of the most flexible in South Jersey.

Mount Ephraim at a Glance

County: Camden

ZIP: 08059

Population: 4,651

Distance to TMZ: 9 mi

Our Programs for Mount Ephraim Buyers

We match you with the best available option — bank financing first, BHPH as our backup.

Subprime Bank Financing

Our lender network includes subprime banks that specialize in approving buyers with credit challenges. Applications are submitted to multiple lenders at once for the best possible outcome.

Credit bureaus: Equifax, Experian, TransUnion — all updated monthly with your payment history, helping you rebuild your score over time.

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Buy Here Pay Here

When bank financing is not achievable, we finance Mount Ephraim buyers directly. We are both the dealership and the lender — no bank required. Approval is based on your current income and a $995 minimum down payment.

Perfect for buyers with multiple bank declines, unresolved credit issues, or situations that need an immediate solution today.

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Auto Loan FAQ — Mount Ephraim, NJ

Yes — The Motor Zone is about 9 miles from Mount Ephraim and we specialize in second-chance auto financing for Camden County buyers. Low credit scores, no credit history, collections, bankruptcies, and repossessions are all workable. Apply at themotorzoneinc.com/applications or call 856-262-9500.
We submit your application to our full network of subprime and non-prime lenders simultaneously. When one approves, you get a bank-backed loan with a fixed term, set monthly payments, and credit bureau reporting. It is structured like any bank loan — just designed for buyers with challenged credit.
Take the Black Horse Pike (Route 168) south to White Horse Pike (US-30) and head east into Stratford. The Motor Zone is at 1010 N White Horse Pike — about 9 miles and roughly 15 minutes. Open Monday–Saturday, 9 AM–9 PM.
Yes. BHPH means we finance you in-house with no third-party bank. It is an option for Mount Ephraim buyers who have not been able to get approved elsewhere. We always try bank financing first, but BHPH with a $995 down payment can get you into a reliable vehicle today.
Employment wages, SSI, SSDI, pension, disability, child support, and other verifiable income all count. Bring documentation: pay stubs, award letters, or three months of bank statements. Our finance team will evaluate your full financial picture, not just your credit score.
Yes — no credit history is different from bad credit and can be easier to work around. With steady income and a down payment starting at $995, we can often find a subprime lender willing to extend your first auto loan. Call 856-262-9500 or apply online at themotorzoneinc.com/applications.
Yes — we accept trade-ins from across Camden County. Bring your vehicle to 1010 N White Horse Pike in Stratford and we will make a fair offer. Trade-in value is applied directly toward your down payment. Learn more at themotorzoneinc.com/sell-your-auto.

Get Approved, Mount Ephraim

Free application · No obligation · Same-day approval possible

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1010 N White Horse Pike · Stratford, NJ 08084 · 856-262-9500 · Mon–Sat 9AM–9PM