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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. Thirty-four years ago, he 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 look at the entire application and the entire individual.” 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 85,000 customers in eight states.

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.

No matter your financial situation, Pioneer Credit Company can help make your dreams a reality. Our professional staff is trained to find the perfect solution for you. No matter the reason, call Pioneer for all your financial needs. Let us show you just how different we really are from other loan companies. Join the Pioneer family today!
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Our Locations
Cleveland
95 Second Street NE
Cleveland, TN 37311
423-479-9615
Manager: David Goins

East Ridge
5611 Ringgold Road
East Ridge, TN 37412-9195
423-499-0086
Manager: Mike Hughie

Rossville
302 McFarland Avenue
Rossville, GA 30741-0279
706-866-0015
Manager: Ann Koons

Dayton
425 Main Street
Dayton, TN 37321
423-775-3347
Manager: David Lytle

Athens
904 Dupitt Street
Athens, TN 37371-0470
423-745-3760
Manager: Brian Weir