Frequently Asked Questions
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
page and contact us.
is Joe Holland Special Financing Different than most other Bad Credit finance
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.
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.