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Bad credit? No credit? Bankruptcy? The Motor Zone is just minutes from Clementon on the White Horse Pike — and we're ready to get you approved for bank financing today. Down payments as low as $995.
Get Pre-Approved Now Browse InventoryWe're proud to serve the residents of Clementon, NJ — a tight-knit borough in Camden County with a rich history and a growing community.
Clementon is a borough in Camden County in South Jersey, incorporated in 1925 and named after Samuel Clement, who established a glassworks in the early 1800s. Located along U.S. Route 30 — the White Horse Pike — the borough is home to approximately 5,465 residents and covers just under 2 square miles along the shores of Clementon Lake.
Clementon borders Berlin Borough, Lindenwold, Pine Hill, and Pine Valley, and is easily accessible via the Route 30 corridor that connects directly to Stratford and the rest of South Jersey. Students attend Clementon Elementary School (PreK–8) and Overbrook High School in Pine Hill for grades 9–12.
The borough is home to Giambri's Quality Sweets, a beloved local candy maker founded in 1942, and holds a special place in American history as the hometown of Arthur Rose Eldred — the very first Eagle Scout in the Boy Scouts of America.
Clementon's ZIP code is 08021, area code 856 — the same as The Motor Zone. Residents commute throughout Camden and Gloucester Counties, and reliable transportation is essential to daily life here.
Public transit options in the Clementon area are limited. Most residents rely on personal vehicles to reach jobs in Stratford, Cherry Hill, Camden, and Voorhees. The Motor Zone makes it possible for Clementon families to get into a dependable used car — even with less-than-perfect credit.
Bank financing is our preferred path for Clementon customers — and we work hard to get you there, even with challenged credit.
At The Motor Zone, bank financing is our #1 priority for every customer. We've built relationships with a network of subprime and non-prime auto lenders who specialize in buyers that traditional banks have turned away.
We can often secure a real bank-backed auto loan for Clementon buyers with:
We submit your application to multiple lenders simultaneously to maximize your approval chances and get you the best available terms.
Unlike buy here pay here, a bank-financed loan reports your on-time payments to all three major credit bureaus — Equifax, Experian, and TransUnion. Every payment you make on time helps rebuild your credit score. For Clementon buyers looking to improve their financial future, bank financing is the smarter long-term path.
For Clementon buyers who don't qualify for bank financing, our in-house BHPH program is here as a second-chance solution.
Buy Here Pay Here (BHPH) financing means The Motor Zone serves as both the dealership and the lender. There's no third-party bank involved — we approve you, you pick your vehicle, and you make payments directly to us. Approval is based on your current income and down payment, not your credit history alone.
Our BHPH program is ideal for Clementon residents who:
We always try bank financing first. BHPH is a great option when bank financing isn't available — but bank financing is always our first goal for your benefit.
Tenemos personal que habla español en nuestra sala de exhibición. Si vive en Clementon y prefiere hablar en español, pregunte por Miguel. ¡Llame hoy al 856-262-9500!
We've been helping South Jersey drivers get approved since 2006. Here's what sets us apart.
One of South Jersey's highest-rated dealerships on Google — earned through honest deals and a no-pressure buying experience.
We fight to get you a bank loan first — lower rates and credit-building payments reported to all three bureaus. BHPH is our backup, not our default.
Down payments start as low as $995. We structure terms around your real budget — not just what's best for our bottom line.
Every vehicle is hand-selected. Sedans, SUVs, trucks, crossovers, and vans — inspected and fairly priced for South Jersey families.
We're on White Horse Pike (US-30) in Stratford — the same road that runs through Clementon. About 5 miles, no highway needed.
We're not a chain or megadealer. We're a family-owned South Jersey dealership that treats customers the way we'd want to be treated.
Auto Financing for Clementon, NJ Residents
Yes. The Motor Zone specializes in bad credit auto financing for buyers in Clementon, NJ and throughout Camden County. Whether you have a low credit score, no credit history, a past bankruptcy, or a prior repossession, our finance team works to get you approved. We offer both subprime bank financing and in-house buy here pay here options. Down payments start as low as $995. Apply online or call 856-262-9500.
Yes. Bank financing is our primary and preferred financing path for Clementon-area buyers. We work with a network of lenders that specialize in subprime and non-prime auto loans. Unlike buy here pay here, bank financing often comes with lower interest rates, reports to all three major credit bureaus to help rebuild your credit, and provides traditional loan terms. We submit your application to multiple lenders to find the best approval for your situation.
Subprime auto financing is a car loan designed for buyers whose credit score falls below the standard threshold — typically under 620 — that most banks and credit unions require for prime loans. Subprime lenders look at income, down payment, and overall financial picture rather than credit score alone. The Motor Zone works with multiple subprime lenders to help Clementon, NJ residents get approved for reliable used vehicles even with damaged credit.
With bank financing, a third-party lender provides the loan and you make payments to that lender — typically with better interest rates and credit bureau reporting. Buy here pay here (BHPH) means The Motor Zone finances you directly with no bank involved. BHPH is a great option when bank financing isn't available, but bank financing is always our preferred route for Clementon buyers who qualify.
The Motor Zone is at 1010 N White Horse Pike (US Route 30) in Stratford, NJ — approximately 4–5 miles from Clementon along the same White Horse Pike corridor, no highway needed. We're open Monday through Saturday, 9 AM–9 PM. Call 856-262-9500 for directions.
Bring a valid government-issued photo ID, proof of income (pay stubs, bank statements, or benefit award letters), proof of current residence (utility bill or bank statement), and a list of personal references. A down payment starting at $995 is required. You can also pre-apply online before your visit.
Yes. The Motor Zone regularly approves buyers from Clementon who have filed for bankruptcy (Chapter 7 or Chapter 13) or experienced a prior repossession. Our subprime lender network focuses on your current income and ability to make payments. We also offer in-house BHPH financing when bank financing isn't available. Call 856-262-9500 or apply online.
Yes — when financed through one of our bank or subprime lending partners, your on-time payments are reported to Equifax, Experian, and TransUnion. Every on-time payment contributes to a positive credit history and can raise your score over time. This is a key advantage of bank financing over buy here pay here.
Down payments at The Motor Zone start as low as $995. The exact amount depends on the vehicle and your financing situation. A larger down payment can lower your monthly payment and improve approval odds. Contact us at 856-262-9500 or visit 1010 N White Horse Pike, Stratford, NJ.
Yes. We accept trade-ins from Clementon and all of South Jersey. Your trade-in value can be applied toward your down payment, reducing upfront costs. We also purchase vehicles outright through our Sell Your Auto program.
We're right on the White Horse Pike — the same Route 30 that runs through Clementon — making us one of the most convenient used car dealerships for borough residents.
1010 N White Horse Pike
Stratford, NJ 08084
Hours: Mon–Sat: 9:00 AM – 9:00 PM | Sun: Closed
Phone: 856-262-9500
Email: info@themotorzoneinc.com
Directions from Clementon (08021): Head west on White Horse Pike (US-30) toward Stratford. The Motor Zone is on your right at 1010 N White Horse Pike — approximately 5 minutes away. No highway needed.
See our full Preferred Lending Area for the complete list.
Clementon residents — your next used car is just a few minutes away on the White Horse Pike. Bad credit is not a dealbreaker at The Motor Zone.
📞 856-262-9500 Get Pre-Approved Online View Current Inventory