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15-Day Change Your Mind Guarantee

Our personal loans are backed by a 15-Day Change Your Mind Guarantee.
If you find a better loan with another lender or change your mind and no longer need a loan, you can cancel your Pioneer Services loan with no obligation and no cost to you.
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If you’re an active-duty or career-retired soldier in need of emergency financing, Army Emergency Relief (AER) is a great place to start. AER loans come with no interest and give you an opportunity to sit down one-on-one with a financial advisor. AER may be able to provide exactly what you need, which is why we encourage you to explore all of your options. However, if you do need an alternative to AER, Pioneer Services may be able to help.

As the military division of MidCountry Bank, we have more than 25 years of experience serving the military community. Our application process is simple, easy, and completely confidential. If approved, you could get your money the same day.

We understand the challenges that come with life in the Army. Sometimes you just need some quick cash – for a family emergency, help with the bills, or anything in between. If you're an active-duty, career-retired or medically retired soldier, you’re eligible to apply for an emergency Army loan. Veterans and members of the National Guard and Army Reserve are also eligible to apply if you’ve had a loan with Pioneer Services in the past. You can apply online or give us a call at 1-800-FOR-LOAN. Here's a rundown of what we offer:

  • Funding from $1,000 to $10,000
  • A quick and simple application process
  • Available online or over the phone 24/7
  • 15-Day Change Your Mind Guarantee


We get it – between deployment, PCS moves, family emergencies, and whatever life brings your way, sometimes you just need some extra cash. When you're bogged down in a financial emergency, you need fast answers and a company that can get you money quickly.

We’re available 24/7, 365 days a year, no matter where you're stationed. Our service is completely confidential and you can apply online or over the phone at any time, day or night. If approved, you could get your money the same day.

Our loans feature fixed rates and defined payments. You know exactly how much to pay each month, and how long it will take to pay the loan off completely. We can also help you set up allotment payments so you don't have to worry about paying on time. Ready to get started?

Pioneer Services is not affiliated with Army Emergency Relief and no U.S. military endorsement is implied. You should carefully consider all your options and costs when looking to borrow money.

Three Ways to Apply


Apply online anytime from your computer, mobile device, or tablet.

Apply Now


Call any time to apply with a friendly customer service representative.


In Person

Visit one of our office locations. If approved, walk out with a check!


About Army Emergency Relief

AER is a private nonprofit organization founded in 1942 to provide emergency financial assistance to soldiers, retired veterans, and military families in need. Their motto is “helping the Army take care of its own.” They provide both direct grants – meaning a lump sum of cash you don’t have to repay – and interest-free loans. They also provide scholarships to children of soldiers. The amount of funding given to each approved applicant is completely dependent on their needs and their unique financial situation. To see if you’re eligible for an AER loan and to find out how to apply, visit their website.