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

Gloucester County, NJ · 13 Miles

Used Cars & Auto Loans
Near West Deptford Township, 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 West Deptford Township, Gloucester County

West Deptford Township is home to the Riverwinds Community Center, a major recreation facility on the Delaware River with views of the Philadelphia skyline.

The township was incorporated in 1871 and has a mix of residential neighborhoods, industrial areas, and Delaware River waterfront.

The Motor Zone has been serving South Jersey buyers since 2006. Our Stratford location at 1010 N White Horse Pike is just 13 miles from West Deptford Township — and our subprime and BHPH programs are some of the most flexible in South Jersey.

West Deptford Township at a Glance

County: Gloucester

ZIP: 08093

Population: 22,197

Distance to TMZ: 13 mi

Our Programs for West Deptford Township 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 West Deptford Township 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 — West Deptford Township, NJ

Yes — The Motor Zone is about 13 miles from West Deptford Township and we serve all of Gloucester County. Bad credit, no credit, prior repos, and bankruptcy are all workable. Apply at themotorzoneinc.com/applications or call 856-262-9500.
Yes. Subprime financing is a bank-backed auto loan designed for buyers with credit scores under 620. We partner with multiple subprime lenders and submit your application to all of them simultaneously — maximizing your chances of approval and finding the best available terms for West Deptford buyers.
Take Route 45 north or Route 130 north to Route 30 east into Stratford. The Motor Zone is at 1010 N White Horse Pike — about 13 miles. Open Mon–Sat, 9 AM–9 PM.
BHPH means we act as both dealer and lender — no bank required. Approval is income and down payment based. We use BHPH as our reliable backup for West Deptford buyers who cannot yet qualify for bank financing. Down payments start at $995.
Yes — both Chapter 7 and Chapter 13 bankruptcy are workable with our subprime lender network. We focus on your current income and ability to make payments going forward. In-house BHPH is available when bank approval is not yet achievable.
Employment wages, SSI, SSDI, pension, child support, disability, and other verifiable income all qualify. Bring the right documentation — pay stubs, award letters, or bank statements — and our finance team will find the best option for your income type.
Yes — bring your vehicle to 1010 N White Horse Pike in Stratford for a fair on-the-spot offer. Trade-in value applies toward your down payment. Or sell outright through our themotorzoneinc.com/sell-your-auto program.
Yes — apply at themotorzoneinc.com/applications before making the 13-mile drive. We will review your info and have financing options ready when you arrive. Pre-applying often means coming in, picking a vehicle, and driving home same day.

Get Approved, West Deptford Township

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