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For over 85 years, Pioneer provided financial products to U.S. consumers. In 1986, Pioneer saw an opportunity to help the underserved military market, becoming the first stateside lender focused on personal loans for military personnel. While initially only serving customers through local offices in military communities, Pioneer Services was quick to leverage the speed and convenience of the internet to reach military stationed worldwide, thus becoming the first online personal lender exclusively serving U.S. military.

Over a 30-year period, Pioneer helped 1.5 million military families with their financial needs. The company received national and local industry recognition for its responsible approach to lending, free financial education programs, and giving back to the military community.

For the majority of the company’s existence, it was privately owned. In 2009 it became a part of the MidCountry family of companies and operated as a division of a federal savings bank. Customers of Pioneer Services received the protection and security of a federally regulated financial institution and the assurance that all its loan products were fully compliant with the Military Lending Act (MLA) and The Servicemembers Civil Relief Act (SCRA).

Other business priorities within the MidCountry ownership group triggered the decision to close down the 85 year old business. Pioneer Services stopped accepting new loan applications in July 2019 and active customers were notified that their accounts were under new ownership. The news of the closure was challenging for customers and many passionate Pioneer Services team members who were committed to helping military service members solve financial challenges.

If you had an active loan with the prior Pioneer Services on August 1, 2019, that loan is now being serviced by Systems & Services Technologies, Inc. (SST). You can contact SST by phone at 1-866-208-2110 or email at If you have a question about a Pioneer Services loan that was paid off prior to August 1, 2019, please call 1-888-430-5176. For more information, please see the Manage Account page on our website.

Pioneer Military Credit was founded by past leaders of Pioneer Services. Having secured the intellectual property of the former company and possessing over 50 years of combined team member experience in serving military, the new company seeks to bring back many of the products and services that Pioneer had provided military families for over 30 years.

The team at Pioneer Military Credit is working hard to relaunch its military loan product. It plans to be accepting applications soon from active duty and career retired military. We understand the challenges of military life, and it will be our priority to help you obtain the credit and respect you deserve when applying for a personal loan. Sign Up for Pioneer Alerts if you’d like to be notified when we are accepting applications.

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