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

Camden County, NJ · 13 Miles

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

Camden is New Jersey's third-largest city and the Camden County seat, situated directly across the Delaware River from Philadelphia.

Camden is home to the Adventure Aquarium, Battleship New Jersey Museum, and BB&T Pavilion concert venue along its revitalized 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 Camden — and our subprime and BHPH programs are some of the most flexible in South Jersey.

Camden at a Glance

County: Camden

ZIP: 08101

Population: 71,791

Distance to TMZ: 13 mi

Our Programs for Camden 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 Camden 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 — Camden, NJ

Yes. Camden has a large population of buyers who face credit challenges, and The Motor Zone was built specifically to serve them. We work with a network of subprime lenders who evaluate your income and current financial picture — not just your credit score. Down payments start at $995. Apply at themotorzoneinc.com/applications or call 856-262-9500.
About 13 miles — approximately 20–25 minutes via NJ-38 west or Route 30 south into Stratford. We are at 1010 N White Horse Pike, Stratford, NJ 08084. Open Monday–Saturday, 9 AM–9 PM.
Yes — bank financing is always our first goal. We partner with multiple subprime lenders and submit your application to several at once to maximize approval odds and find the best terms. A bank-financed loan reports to all three credit bureaus and typically offers much better terms than in-house BHPH financing.
Buy here pay here means The Motor Zone finances you directly — no bank, no strict credit check requirement. Approval is based on your income and down payment. Camden buyers absolutely qualify, and it is an excellent option when bank financing is not available. Down payments start as low as $995.
Yes — we approve Camden buyers with bankruptcy on their records regularly. Both Chapter 7 (discharged) and active Chapter 13 arrangements are workable. Our lenders look at what you earn and your ability to make payments going forward. We also have our in-house BHPH program as a backup.
Yes. Tenemos personal que habla espanol en nuestra sala de exhibicion. Camden es una comunidad diversa y nos enorgullece poder atender a clientes en espanol. Llame al 856-262-9500 o visitenos en 1010 N White Horse Pike, Stratford.
For bank financing, most lenders want consistent income — typically $1,500–$2,000 per month minimum from any verifiable source: employment, SSI, SSDI, pension, child support, or other benefits. For BHPH, requirements may be more flexible. Bring pay stubs, bank statements, or award letters to your appointment.
Many customers complete the full process — application, approval, vehicle selection, and signing — in one visit and drive home the same day. Pre-applying at themotorzoneinc.com/applications speeds things up. Call 856-262-9500 and we will have options ready when you arrive.

Get Approved, Camden

Free application · No obligation · Same-day approval possible

Apply Online Free Trade In Your Car

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