FAQ

Quick answers to your questions.

If you have a question that isn’t answered here, please don't hesitate to contact us.

To start the process of becoming a Pioneer Services retail partner, just complete and forward the Retail Partner Application. Upon receipt of the application, it generally takes about 5–10 business days to complete the process. If you have additional questions, please call a Retail Credit representative at 1-877-936-5478, or email RetailCreditGroup@PioneerServices.com.

Currently, Pioneer Services offers retail financing exclusively for all ranks and credit types of full-time active-duty military personnel, career-retired military, and Department of Defense employees (GS6 and above). Partner with Pioneer Services and let the high opportunity military market give your sales a boost.

To meet the purchasing needs of the military community, finance programs are not limited to specific industries or retailer types. Financing is available for almost any personal product or service (including any merchandise, labor, sales tax, and service contract).

As military personnel are stationed across the country and beyond, Pioneer Services offers at least one retail credit program in all 50 states. Programs are available to national and regional retail chains, online retailers, and small independent merchants in military communities.

Due to the frequent moves and other unique characteristics of military life, many service members do not qualify for interest or payment-deferred credit promotions through traditional finance sources. Our standard finance programs are designed to give military the approval and loan amounts they need. Personal installment loans are available from $500–$10,000 on terms from 6–36 months.

While most retail finance companies use conventional credit bureau scoring, we utilize our own proprietary Military Scoring Model (MSM)^® designed especially for military customers. This approach allows us to approve more military customers while increasing your sales.

Installment financing is a smart alternative to revolving credit because it gives customers fixed terms and payments. This means they are less likely to fall into the minimum payment trap often associated with revolving credit products. Because they will pay down their balances faster, they may qualify more easily for future retail purchases.

To meet the financing needs of a wide range of retailers, Pioneer Services offers a no-cost finance program, along with several flexible low-cost options designed to meet specific credit approval requirements. Contact a Retail Credit representative today to see which program is right for your business.

Once you become a Pioneer Services retail partner, we will contact you to set up an in-depth training session. Day and evening hours are available to accommodate your schedule. One of our retail credit specialists will walk you and your teams through the credit process via an online presentation. Training manuals are also provided for your reference.

Yes. We provide a variety of marketing solutions to help you attract more military customers. With more than 20 years in the military credit industry, we understand how to reach this high opportunity niche market.