Frequently Asked Questions

These are answers to some commonly asked questions about our Joe Holland Special Financing and the automotive financial services we offer. Many years ago Joe Holland realized that bad things happen to good people. He wanted to create an environment to give folks a Chance to recover quickly from those events. One of the best ways to improve your credit score is to prove that you can manage your bills and pay on-time. If you have additional questions that are not listed below, please feel free to visit our Customer Service page and contact us.

How is Joe Holland Special Financing Different than most other Bad Credit finance companies?

FIRST we at Joe Holland don't accept the idea of Bad Credit means a Bad Person! Unlike other Special Finance companies who look for high profit margins while taking advantage of someone's bad situation, we seek to find the best solution for each case. Our goal is to help you find transportation that is dependable, affordable, and most of all gives you the opportunity to quickly improve your credit score.

We work with you to understand your situation, your needs, and your character. We become your advocate to the lender. We help them understand who you are. We look beyond the number on a credit report and because we have such a successful relationship with our lenders, they trust our assessment.

How do I know if I can qualify for a loan to purchase a vehicle?

If you have a job that can be verified, and if you are not currently involved in a bankruptcy, then your chances of approval are very good. In many cases our clients are able to afford a new vehicle.

Does buying a vehicle really help me reestablish my credit?

Yes. When reviewing a credit report most lenders look at automobile loans more closely than any other type of loan (other than home loans) to verify your credit standing. Secured credit cards are no help at all - you are really borrowing your own money with the glory of having a piece of plastic in your wallet.

The lenders we use are companies that want to help the consumer improve their credit worthiness. They report regularly to all 3 credit bureaus to give you the opportunity to be successful. All you need to do is take advantage of that opportunity.

What are the benefits of using Joe Holland Special Finance rather than going to an online financing company or another dealership?

Joe Holland has made a commitment to help people in our community! In most cases, an online financing company can only relate to you over the phone. They get hundreds of requests a day and only have so much time to spend with each customer. At Joe Holland we will spend hours working with one customer to find the right solution.

At Joe Holland you get a chance to shop from our entire inventory. If you have had bad experience at another dealership, please, don't give up. Give Joe Holland Special Financing a call. We are committed to your complete satisfaction in every transaction. First of all, once they learn that your credit is less than perfect, the way they treat you will change from friendly and courteous to not-so-friendly. Second, they will most likely show you a very low quality, limited selection of cars that are far from the type you may want or need. You can avoid all these unnecessary hassles by starting your transportation solution at Joe Holland. You can enter any showroom and begin the process with a salesperson and that same salesperson will be with you all the way through the transaction. We don't treat our Special Finance customers differently just because they may had run upon some bad times.

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