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

Camden County · 10 Miles Away

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

The Motor Zone in Stratford serves Collingswood 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

? Collingswood, Camden County, NJ 08108

? Population: ~14,186

? 10 miles from The Motor Zone

✅ Bank financing available

✅ Buy here pay here available

✅ Down payments from $995

Serving Collingswood, NJ — Camden County

Collingswood is known as one of South Jersey's premier dining destinations, famous for its BYOB restaurant scene along Haddon Avenue.

The borough has a strong Quaker heritage — founded as a dry town where alcohol sales are prohibited, though BYOB dining is permitted.

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 Camden County and the greater South Jersey area — including Collingswood residents who have been turned away by traditional dealerships and banks.

About Collingswood

Collingswood hosts a popular Farmers Market and a vibrant arts district that draws visitors from across the region.

The borough was incorporated in 1888 and has a population of over 14,000 across just 1.6 square miles.

Two Financing Paths for Collingswood 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

Collingswood, NJ Auto Loan FAQ

Yes — The Motor Zone is about 10 miles from Collingswood and we specialize in helping Camden County buyers with all types of credit situations. Low scores, collections, prior repos, and no credit history are all workable. Apply online at themotorzoneinc.com/applications or call 856-262-9500.
Yes — bank financing is our first priority for every Collingswood buyer. We submit applications to multiple subprime lenders simultaneously to find the best possible terms. A bank-backed loan builds your credit over time through reported on-time payments — a key advantage over in-house financing.
From Collingswood, take Haddon Avenue south to Route 130, then continue south to White Horse Pike (US-30) into Stratford. The Motor Zone is at 1010 N White Horse Pike — about 10 miles, roughly 15–20 minutes. Open Monday–Saturday, 9 AM–9 PM.
BHPH is our in-house financing option — we act as both dealer and lender, with no bank involved. It is ideal for Collingswood buyers who have been declined by multiple lenders. Approval is based on current income and down payment. We always try bank financing first and use BHPH as a strong backup.
Yes, it is possible. Active Chapter 13 cases sometimes allow financing with trustee approval. Chapter 7 buyers who have been discharged often qualify within months of discharge. Our team is experienced with these situations — call 856-262-9500 to discuss your specific circumstances.
Absolutely. Bring your current vehicle to our Stratford lot and we will give you a fair trade-in value that can be applied directly toward your down payment. You can also sell your vehicle outright through our Sell Your Auto program at themotorzoneinc.com/sell-your-auto.
Yes — when financed through our bank or subprime lending partners, every on-time payment is reported monthly to Equifax, Experian, and TransUnion. Over time, consistent payments can meaningfully improve your score, helping you qualify for better rates on future borrowing.
Down payments at The Motor Zone start as low as $995. The amount needed may vary based on the vehicle and your specific financing situation. Contact us at 856-262-9500 or stop by 1010 N White Horse Pike, Stratford — we will find a payment structure that fits your budget.

Collingswood 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