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

Gloucester County · 13 Miles Away

Auto Loans in Woodbury, NJ
Bad Credit? No Problem.

The Motor Zone in Stratford serves Woodbury 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

? Woodbury, Gloucester County, NJ 08096

? Population: ~9,963

? 13 miles from The Motor Zone

✅ Bank financing available

✅ Buy here pay here available

✅ Down payments from $995

Serving Woodbury, NJ — Gloucester County

Woodbury is the county seat of Gloucester County, home to the Gloucester County courthouse and county government offices.

The city was incorporated in 1848 and has one of South Jersey's most well-preserved historic downtowns along Cooper Street.

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 Woodbury residents who have been turned away by traditional dealerships and banks.

About Woodbury

Woodbury was settled by Quakers in the 1600s and has a rich colonial and Revolutionary War history.

The city is home to Inspira Medical Center Woodbury — Gloucester County's primary regional hospital serving the entire county.

Two Financing Paths for Woodbury 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

Woodbury, NJ Auto Loan FAQ

Yes — The Motor Zone is about 13 miles from Woodbury and we serve Gloucester County seat residents every day. Subprime bank financing and buy here pay here are available regardless of credit history. Apply at themotorzoneinc.com/applications or call 856-262-9500.
Yes — bank financing is always our first goal. We work with multiple subprime lenders and submit your application to all of them simultaneously. Bank-backed loans report to all three credit bureaus, helping you rebuild your credit over time.
Take Route 45 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. Call 856-262-9500 for directions.
BHPH means The Motor Zone finances you directly — no bank involved. Approval is based on income and a $995 or more down payment, not credit score. We use BHPH as our fallback for Woodbury buyers who cannot yet qualify for bank financing. It gets you in a vehicle quickly with payments made directly to us.
Yes — both Chapter 7 and Chapter 13 bankruptcy are workable. Our subprime lenders evaluate your current income and capacity to make payments. In-house BHPH is available when bank financing is not yet achievable.
We carry a rotating inventory of hand-inspected pre-owned sedans, SUVs, trucks, crossovers, and minivans. Browse at themotorzoneinc.com/autos or call 856-262-9500 to ask about specific vehicles before making the drive from Woodbury.
Yes — bring your vehicle to 1010 N White Horse Pike in Stratford for a fair offer. Trade-in value applies toward your down payment. You can also sell outright through our themotorzoneinc.com/sell-your-auto program.
Yes — bank and subprime loans report monthly to Equifax, Experian, and TransUnion. Consistent on-time payments build positive credit history and raise your score over 12–24 months.

Woodbury 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