The Motor Zone - Serving South Jersey's Used Car Needs
Serving Gloucester City, NJ & All of South Jersey — 856-262-9500 — Mon–Sat 9AM–9PM

Camden County · 12 Miles from Stratford

Car Loans for Gloucester City, NJ Buyers
Even With Bad Credit

We specialize in getting Gloucester City residents approved when banks say no. Subprime financing and in-house BHPH — two paths, one goal: you driving home today.

Get Pre-Approved Free Browse Cars
$995
Down Payment Minimum
12 mi
From Gloucester City to Our Lot
2 Options
Bank Financing & BHPH

About Gloucester City, NJ

Gloucester City sits on the Delaware River across from Philadelphia and Paulsboro, with one of South Jersey's oldest riverfronts.

The city was incorporated in 1868 and has a strong maritime and industrial heritage along the Delaware waterfront.

Gloucester City is home to Our Lady of Mercy Academy and is served by the Gloucester City public school district.

Getting Here from Gloucester City

From Gloucester City, take Broadway or Route 130 north to White Horse Pike, then head east into Stratford.

The Motor Zone

1010 N White Horse Pike

Stratford, NJ 08084

Mon–Sat, 9 AM–9 PM

Call 856-262-9500

How We Finance Gloucester City Buyers

Two programs. One goal. You drive home.

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Bank Financing First

We always try to get Gloucester City buyers a real bank-backed loan. Subprime lenders evaluate income and down payment, not just credit scores. Approved loans report to all three credit bureaus.

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Buy Here Pay Here Backup

When bank financing is not available, we finance you in-house. No third-party bank. Approval based on current income. Down payments from $995. Flexible payment scheduling available.

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Drive Home Today

Many Gloucester City customers complete the entire process — application, approval, vehicle selection, and signing — in a single visit. Pre-apply online to make it even faster.

Frequently Asked Questions — Gloucester City, NJ

Yes — The Motor Zone is about 12 miles from Gloucester City and we work with subprime lenders who approve buyers with low credit scores, collections, bankruptcies, and repossessions. Apply online at themotorzoneinc.com/applications or call 856-262-9500.
Yes — bank financing is our primary goal for all Gloucester City customers. We work with multiple lenders simultaneously to find the best approval. Bank loans mean credit bureau reporting, helping you build a stronger financial future with every payment.
From Gloucester City, head north on Broadway or Route 130, connect to White Horse Pike (US-30), and head east into Stratford. The Motor Zone is at 1010 N White Horse Pike — about 12 miles, roughly 20 minutes. Open Monday–Saturday, 9 AM–9 PM. Call 856-262-9500 for directions.
BHPH is our in-house financing program — no bank needed. We approve based on your current income and down payment. It is perfect for buyers who have exhausted other options. Down payments start at $995 and payments can be weekly or bi-weekly to align with your pay schedule.
Yes. We work with Gloucester City buyers who have both bad credit and a prior bankruptcy. Our subprime network evaluates your current income and payment capacity. Chapter 7 (discharged) and Chapter 13 (active or discharged) situations are workable — call 856-262-9500 to discuss your case.
Bring a valid photo ID, proof of income (pay stubs or bank statements), proof of NJ address (utility bill), a list of personal references, and your down payment. Pre-applying at themotorzoneinc.com/applications makes the in-person visit even faster.
Absolutely. We accept trade-ins from Gloucester City and all of South Jersey. Your trade-in value reduces your out-of-pocket down payment. Visit us at 1010 N White Horse Pike in Stratford or learn more at themotorzoneinc.com/sell-your-auto.
Yes — bank or subprime loans through The Motor Zone report to Equifax, Experian, and TransUnion. Consistent on-time payments add positive history to your credit report month after month, which can raise your score over time and open doors to better financing in the future.

Ready to Drive, Gloucester City?

Apply free online or call 856-262-9500 — we will get you into a vehicle today.

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