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

Camden County, NJ · 0 Miles

Used Cars & Auto Loans
Near Stratford, 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 Stratford, Camden County

The Motor Zone is located right here in Stratford at 1010 N White Horse Pike — you are literally in our hometown.

Stratford was incorporated in 1925 and is a residential borough in Camden County along the White Horse Pike (US-30) corridor.

The Motor Zone has been serving South Jersey buyers since 2006. Our Stratford location at 1010 N White Horse Pike is just 0 miles from Stratford — and our subprime and BHPH programs are some of the most flexible in South Jersey.

Stratford at a Glance

County: Camden

ZIP: 08084

Population: 7,100

Distance to TMZ: 0 mi

Our Programs for Stratford 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 Stratford 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 — Stratford, NJ

Yes — you could not be closer. The Motor Zone is at 1010 N White Horse Pike, right here in Stratford. We specialize in helping Stratford residents and all of Camden County get approved for subprime bank financing and buy here pay here. Bad credit, no credit, repos, and bankruptcies are all workable. Call 856-262-9500 or apply at themotorzoneinc.com/applications.
Two programs: (1) Subprime bank financing — real lender, credit bureau reporting, better rates; (2) Buy here pay here — in-house approval, income-based, no bank needed. Bank financing is always our first choice for Stratford buyers because it builds your credit over time.
Bring a valid photo ID, proof of income (pay stubs, bank statements, or award letters), proof of Stratford address, a list of personal references, and a down payment of $995 or more. You can also pre-apply at themotorzoneinc.com/applications.
Yes — both Chapter 7 and Chapter 13 bankruptcy are workable with our subprime lender network. We evaluate current income and ability to make payments. If bank financing is not available yet, our in-house BHPH option is here for you.
Down payments at The Motor Zone start at $995. Since you are local, come see us at 1010 N White Horse Pike and we will find a payment structure that fits your real budget. Call 856-262-9500 or stop in any day Mon–Sat, 9 AM–9 PM.
Of course — you are our neighbors. Bring your vehicle to our lot and we will give you a fair market offer on the spot. Trade-in value applies toward your down payment. Learn more at themotorzoneinc.com/sell-your-auto.
Bank or subprime loans from our lender partners report monthly to Equifax, Experian, and TransUnion. Consistent on-time payments build a positive credit history — one of the best ways for Stratford residents to improve their credit score while also driving a reliable vehicle.
We carry a hand-selected inventory of pre-owned sedans, SUVs, trucks, crossovers, and minivans — all inspected before going on the lot. Browse at themotorzoneinc.com/autos or come by 1010 N White Horse Pike any time Mon–Sat and see for yourself.

Get Approved, Stratford

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