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About Us

Pioneer Credit Company- Emphasizing people, not paper.

Every employee of Pioneer Credit has heard the words "There are no bad customers, just bad financial situations," from owner John W. Holden Jr. In 1974, Holden had a vision of a financial institution that looked at the individual and their circumstances, not simply black and white figures on paper. "We have no set loan criteria, and there is no right or wrong checklist," Holden explains. "We try to do everything we can to help customers get back on solid ground with their credit."

Holden is also quick to point out Pioneer employees set the company apart from the competition. "We want our employees to look at customers as people, not as information on a piece of paper." This philosophy has not only made Pioneer Credit the finance company of choice across the country, but has earned the trust and loyalty of over 95,000 customers in nine states. Pioneer Credit is proud to be represented in the states of Tennessee, Georgia, Mississippi, Kentucky, Alabama, Louisiana, South Carolina, Texas and Missouri.

Although the company has grown immensely, customers are treated with the same honesty and respect John W. Holden Jr. gave them when he started the company in Cleveland 40 years ago. "We attempt to always treat our customers in a right and proper fashion," says John Holden. "We feel it has always been the basis of our continued success." Today, many of the same inceptive founders still serve on the company Board of Directors. Pioneer remains an independently owned and operated, private corporation.

Products and Services

Throughout the years, Pioneer has dramatically changed its products and services. Pioneer currently provides personal loans, home improvement loans, medical appliance and furniture financing, and auto loans. In addition to these traditional loan services, Pioneer has pursued other product and service offerings such as tax preparation, vehicle sales, and jewelry sales in the last several years.

Key Facts

  • 1974 - Founded in Cleveland, TN
  • Company Philosophy: "We try to understand."
  • 105 Branches in nine States
  • Over 450 Full-time employees
  • Over 95,000 current customers
  • Company founder: John W. Holden, Jr. still serves as President & CEO
  • Independently Owned and Operated