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 Southeast, but has earned the trust and loyalty of over 87,000 customers in eight states. Pioneer Credit is proud to be represented in the Southeastern United States in Tennessee, Georgia, Mississippi, Kentucky, Alabama, Louisiana, South Carolina and Texas.

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 thirty-four 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 a closely held, 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, real estate 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."
96 Branches in Eight States with assets over $150 million Over
Over 400 Full-time employees
Over 87,000 current customers
Company founder: John W. Holden, Jr. still serves as President & CEO
Independently Owned and Operated