The Motor Zone - Serving South Jersey's Used Car Needs

Gloucester County · 16 Miles Away

Auto Loans in Washington Township, NJ
Bad Credit? No Problem.

The Motor Zone in Stratford serves Washington Township buyers with subprime bank financing and buy here pay here programs. Low scores, bankruptcies, and repos welcome.

Apply Now — Free Call 856-262-9500

Quick Facts

? Washington Township, Gloucester County, NJ 08080

? Population: ~48,677

? 16 miles from The Motor Zone

✅ Bank financing available

✅ Buy here pay here available

✅ Down payments from $995

Serving Washington Township, NJ — Gloucester County

Washington Township is Gloucester County's most populous municipality, with nearly 49,000 residents across approximately 30 square miles.

The township is home to major retail corridors along Route 42 and Hurffville-Cross Keys Road, and is a major suburban hub of Gloucester County.

The Motor Zone at 1010 N White Horse Pike in Stratford is your nearest destination for subprime and second-chance auto financing. We serve all of Gloucester County and the greater South Jersey area — including Washington Township residents who have been turned away by traditional dealerships and banks.

About Washington Township

Washington Township Public Schools is one of the larger K–12 districts in Gloucester County, serving thousands of students.

The township was incorporated in 1836 and has grown significantly due to suburban development along the Route 42 corridor.

Two Financing Paths for Washington Township Buyers

Step 1 — Always First

Subprime Bank Financing

We submit your application to multiple subprime lenders simultaneously. When approved, you get a real bank loan with lower rates and payments reported to all three credit bureaus — Equifax, Experian, and TransUnion.

  • Lower interest rates than BHPH
  • Builds credit with every payment
  • Fixed term, set monthly payment
  • Bad credit, repos, BK all considered
Backup Option

Buy Here Pay Here

When bank financing is not available, we finance you in-house. No bank, no strict credit check. Approval is based on your current income and down payment. Payments are made directly to us, often on a weekly or bi-weekly basis.

  • No bank needed — we are the lender
  • Income-based approval
  • Down payments from $995
  • Flexible payment schedules

Washington Township, NJ Auto Loan FAQ

Yes — Washington Township is Gloucester County's largest community and we proudly serve its residents. The Motor Zone is about 16 miles away via Route 42 and Route 30. Subprime bank financing and BHPH are both available for buyers with credit challenges. Apply at themotorzoneinc.com/applications or call 856-262-9500.
Yes — bank financing is always our first goal. We work with multiple subprime lenders simultaneously to find the best approval for Washington Township buyers. Bank loans report to all three credit bureaus and offer better rates than in-house financing.
Take Route 42 north to Route 30 east into Stratford, or head north on Hurffville-Cross Keys Road to Route 30 east. The Motor Zone is at 1010 N White Horse Pike — about 16 miles. Open Mon–Sat, 9 AM–9 PM.
BHPH means The Motor Zone is both dealer and lender — no bank involved. Approval is based on income and down payment. It is our backup when bank financing is not achievable. Washington Township buyers with multiple bank denials can still qualify for our BHPH program with a $995 minimum down payment.
Yes — Chapter 7 and Chapter 13 bankruptcy are both workable scenarios. Our subprime lenders focus on your current income. If bank approval is not possible, BHPH provides an immediate solution. Call 856-262-9500 to discuss your specific situation.
We carry hand-selected pre-owned sedans, SUVs, trucks, crossovers, and minivans — a variety that serves Washington Township's large suburban population. Browse at themotorzoneinc.com/autos or call 856-262-9500.
Yes — we accept trade-ins from Gloucester County. Bring your vehicle to 1010 N White Horse Pike in Stratford for a fair offer. Trade-in value applies toward your down payment. Learn more at themotorzoneinc.com/sell-your-auto.
Yes — bank and subprime loans report monthly payments to Equifax, Experian, and TransUnion. Consistent on-time payments over 12–24 months can raise your score meaningfully, setting up Washington Township buyers for better financial options in the future.

Washington Township Drivers: Get Approved Today

Call us at 856-262-9500 or apply online — takes less than 5 minutes.

Apply Free Online Browse Inventory

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