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26 Dec 2018

Pioneer Military Loans Reviews

Veterans and active military personnel give so much for their country, but that does not make them immune to possible financial problems. If you’re a military member (past or present) who needs a bad credit loan, Pioneer Military loans reviews like this one should help you figure out if this lender is right for you.

Borrow from a company that understands the unique needs of the American military family.

You are interested if

You are a member of a branch of the United States military and want to take out an online loan with a company that recognizes the value of your service.

Key Points

Brief Description Pioneer Military loans are military-exclusive products that aim to make it easier for service people to get money when they need it.
Limits and Deadlines You can borrow as little as $500 or as much as $10,000, depending on what you need. Repayment periods vary widely depending on the applicant and the size of the loan they choose.
Urgency Outside of particularly busy periods, these loans can be processed from start to finish in about 48 business hours, making them very quick loans.
APR Range Can fall anywhere between 10% and 36% depending on quality of the applicant’s credit and income.
Closing/Origination Fees Loan origination fees are charged on all loans, but they are determined on a case-by-case basis.
Early Payment Fees None.
How to Contract the Product You can apply for this product online, over the phone, or in person at a handful of Pioneer Services locations scattered across the country.
Main requirements You must be a member of the US military (Army, Air Force, Coast Guard, Marine Corps, and Navy are eligible, as well as members or veterans of the Reserves and the National Guard if they have borrowed from Pioneer in the past). You must also have a steady income, but you don’t necessarily need good credit.

About Pioneer Military Loans

Main Features

Pioneer Military loans emphasize flexibility and discretion to help military service members in their time of financial need. They offer personal loans of nearly any size (from a modest $500 all the way up to a life-changing $10,000), so they can serve almost any potential customers who approach them. They explicitly advertise that they are willing to work with applicants who have bad credit, but if you’re approved to borrow under these circumstances, you should expect to pay a little more than someone with good credit might. Pioneer Services charge an estimated 10-36% APR depending on your case, which is lower than what is charged on many loans of this type for the general population. The origination fees will add to the overall cost of the loan, but the impact of that cost cannot be assessed until the company provides you with your individual loan agreement.
These loans are specifically intended to make things quick and easy for you, offering many ways of both getting your money and paying back what you owe. These accommodations mean that no matter what your circumstances or what events come up in your life, you should be able to keep up with your loan obligations. If you turn out not to be satisfied with your loan, you might consider taking advantage of the 15-Day Change Your Mind Guarantee, which is exactly what it sounds like. This policy should make it easy to reverse a loan you’re having second thoughts about, which makes it one of the most important things to note in Pioneer Military Loans reviews.

How Does It Work?

Pioneer Military personal loans no credit check operate pretty similarly to most other online loans out there, even though they can also be accessed by phone or at a branch. When you start the application process, you’ll be asked to provide identification (both military and civilian), then answer some questions about your finances and credit history. You’ll then need to provide certain documents to confirm your identity and some of the financial information you provided. You can submit the required documentation through the web portal, by fax, by email, or as part of the in-person application process if you’re applying that way.
Repayment can happen in one of a few ways: you can use automatic funds transfers, manual electronic funds transfers, or even direct mail or Western Union Quick Collect to process each of your repayment installments. Late fees will apply in cases of non-payment, so don’t miss or delay a payment unless you have absolutely no other choice.


Pioneer Military loans have some great advantages like the 15-day guarantee and the reasonable APR rate. Howeer, there are a few aspects of their lending practices that customers should watch out for, like the origination fee, late payment penalties, and potentially higher APR. That being said, as payday loans online are not available to military personnel, Pioneer Military loans help to fill the void created for high risk customers seeking a payday loan no credit check.

Pioneer Services: Lending to Service Members For Over 80 Years

Pioneer Services, the company behind Pioneer Military loans, is a small direct lender than first began operating back in 1932. Based in Kansas City, Missouri, they have made a name for themselves by focusing their business around helping to meet the financial needs of military members and their families. They are available to help you by phone 6 days a week (Sundays excluded) with extended hours and can be reached by email at any time.

What We Think

There are many mixed Pioneer Military Loans reviews out there say a lot about what kind of experience you can expect to have with them. If you qualify for a loan with them, it may be worth applying to see what kind of offer they give you. Here are some other articles that might be helpful:

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