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

Camden County · 6 Miles Away

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

The Motor Zone in Stratford serves Lawnside 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

📍 Lawnside, Camden County, NJ 08045

👥 Population: ~2,955

🚗 6 miles from The Motor Zone

✅ Bank financing available

✅ Buy here pay here available

✅ Down payments from $995

Serving Lawnside, NJ — Camden County

Lawnside holds a significant place in American history — incorporated in 1926, it became the first independent self-governing Black municipality north of the Mason-Dixon line.

The community traces its roots to 1840 when it served as a stop on the Underground Railroad and a safe haven for freedom seekers.

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

About Lawnside

Bishop Richard Allen of Philadelphia founded the local AME church in 1811, which became Mount Pisgah AME Church — still active and serving the community today.

As of 2020, approximately 75 percent of Lawnside's 2,955 residents identify as Black or African American, reflecting its deep community roots.

Two Financing Paths for Lawnside 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

Lawnside, NJ Auto Loan FAQ

Yes — The Motor Zone is about 6 miles from Lawnside and we serve buyers from all economic backgrounds and credit situations. Low scores, no credit, prior bankruptcies, and repossessions are all workable. Our team is experienced with helping all communities access reliable financing. Call 856-262-9500 or apply at themotorzoneinc.com/applications.
Yes — bank financing is always our first goal. We partner with multiple subprime and non-prime lenders to secure real bank-backed loans for buyers with challenged credit. These loans report to all three credit bureaus, helping Lawnside residents build stronger credit with every on-time payment.
From Lawnside, head west on White Horse Pike (US-30) or take South White Horse Pike directly to Stratford. The Motor Zone is at 1010 N White Horse Pike — about 6 miles, roughly 10 minutes. Open Mon–Sat, 9 AM–9 PM. Call 856-262-9500.
BHPH means we act as the lender — no bank or third party involved. Approval is based on your income and down payment. It is our reliable backup for Lawnside buyers who cannot yet qualify for bank financing. Payments can be structured weekly or bi-weekly to match your pay schedule. Down payments start at $995.
Yes. We accept SSI, SSDI, pension payments, disability benefits, and other fixed income sources as qualifying income. Bring your award letter or three months of bank statements showing regular deposits. Our finance team will find an option that works with your real income.
Yes — and this is one of the most meaningful financial tools available. Every on-time payment on a bank or subprime loan is reported to Equifax, Experian, and TransUnion. Consistent payments over 12–24 months can make a real difference in your credit score.
Yes. We buy and trade all vehicles. Bring your car to 1010 N White Horse Pike in Stratford and we will give you a fair market offer. Your trade-in value can be applied toward your down payment, reducing the cash you need upfront. Visit themotorzoneinc.com/sell-your-auto for more info.
Bring a valid government-issued photo ID, proof of income, proof of NJ address, a list of personal references, and a down payment of $995 or more. You can also pre-apply at themotorzoneinc.com/applications to get ahead of the process before you visit.

Lawnside 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