We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Pioneer Credit personal loans review

Last updated:  

Pioneer Credit has officially transitioned to Mariner Finance.

As of November 1, 2018, Pioneer Credit has changed to Mariner Finance. While it no longer offers personal loans through its old name, you can still borrow at the same locations. You’ll just need to visit Mariner Finance to do so.

And if you want another option, you can compare other personal loan lenders to find one that suits you best.


Max. Loan Amount




Product NamePioneer Credit personal loans
Min. Loan Amount$1,000
Max. Loan Amount$50,000
Interest Rate TypeFixed

Compare more personal loan providers

Updated December 8th, 2019
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
5.95% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
3.84% to 35.99%
Good to excellent credit
Get loan offers from multiple lenders at once without affecting your credit score.
6.98% to 35.89%
Affordable loans with two simple repayment terms and no prepayment penalties.
3.84% to 35.99%
Get connected to competitive loan offers instantly from top online consumer lenders.
34% to 155% (Varies by state)
No minimum
Check eligibility in minutes and get a personalized quote without affecting your credit score.
3.99% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.
6.49% to 17.99%
With over 80 years of lending experience, this credit union offers personal loans for a variety of expenses.
6.95% to 35.89%
A peer-to-peer lender offering fair rates based on your credit score.
5.99% to 17.88%
A highly-rated lender with competitive rates, high loan amounts and no fees.

Compare up to 4 providers

What makes Pioneer Credit unique?

Pioneer Credit isn’t just an online lender — you can visit a branch to apply or ask questions. You’ll have access to their customer service team over the phone and at a storefront, making it easier to get answers about the application process or repaying your loan. Its large loan amounts also help it stand out from the competition, but as with all loans, be wary: You should only borrow as much as you can afford to repay.

What can I use my personal loan from Pioneer Credit for?

Pioneer credit has a range of personal loan options available. You can finance just about anything, from debt consolidation to home repair, and you may be able to borrow up to $50,000. Although it separates its loans into different categories, you don’t need to choose a category when you borrow. Simply specify your loan purpose and loan amount during the application process, and you’re good to go.

Unfortunately, Pioneer Credit doesn’t outline its borrowing criteria clearly. While you’ll need to provide proof of income, it doesn’t have any information on how much you need to make in order to qualify for a loan. You’ll need to call a specific branch and speak to a customer service representative in order to get a better idea of requirements needed to qualify for a loan from Pioneer Credit.

What are the benefits of a personal loan from Pioneer Credit?

  • Poor credit OK. Pioneer Credit doesn’t list any hard credit score or income requirements, making this a viable option for borrowers with less-than-perfect credit histories.
  • Large loan amounts. Maximum loan amounts vary based on your state, but if you qualify, you could borrow as much as $50,000 for medical bills or debt consolidation.
  • Plenty of branch locations. Even though Pioneer Credit is only available in a few states, you can still visit one of its Mariner Finance affiliate branches and receive similar loan terms.

Are there any drawbacks to borrowing from Pioneer Credit?

  • Not transparent about APRs. Unlike most lenders, Pioneer Credit isn’t upfront about how much you’ll pay for its loans. It’s likely you won’t know your APR until after it approves your application.
  • Limited online availability. Although Pioneer Credit has branches in multiple states, you’ll only be able to fill out the online loan application if you live in Alabama, Kentucky, South Carolina or Tennessee.
  • Sparse FAQs. You won’t find much more than the basics in Pioneer Credit’s FAQs section. Calling is the easiest way to get the answers you’re looking for.

What does the Internet say about Pioneer Credit?

Pioneer Credit doesn’t have many reviews online, either at independent review sites or with the Better Business Bureau (BBB). The few reviews that are out there are negative, however. Many former borrowers complain of threats made by office managers and bad customer service, which led to owing more money overall. These limited customer reviews don’t necessarily reflect each branch, but they do mean you should be wary when applying. If you’re unable to find substantial reviews for a particular Pioneer Credit branch, call and request details about your loan before agreeing to anything.

Its parent company, Mariner Finance, has slightly better reviews that comment on the ease of getting a loan with a less-than-perfect credit score and its quick turnaround time. Customer complaints centered around problems with Mariner Finance pressuring them into taking out more than they needed and not mailing paper statements, making it difficult to stay on top of their payments. This doesn’t necessarily reflect general experiences with Pioneer Credit, however.

Find out more about Mariner Finance loans

Am I eligible?

Pioneer Credit requires that its applicants meet a few basic criteria before applying:

  • Have a regular source of income.
  • Be at least 18 years old.
  • Be a US citizen or permanent resident.

How do I apply?

  1. Visit Pioneer Credit’s site and click Apply for a loan.
  2. Select your customer status and enter your full name, email and address.
  3. Enter your phone number, Social Security number, and date of birth.
  4. Agree to the terms and conditions.
  5. Select your employment status, how often you’re paid and your take home pay.
  6. Enter your loan purpose, the loan amount requested and the branch closest to you.
  7. Select whether you’re a renter or a homeowner and how much you pay for housing each month.

You can also visit a local branch to discuss your loan options in person.

How to apply step-by-step with screenshots

What happens after I’m approved for a loan?

If you’re approved for a personal loan, Pioneer Credit sends you your loan documents to carefully review before signing. Once you agree to the loan contract, your funds will be transferred to you.

To plan for your monthly payments, consider setting up autopay so it’s one less thing you have to worry about. You can also visit a local branch, pay over the phone or mail a check each month.

Keep an eye on your loan balance and bank account, and reach out to Pioneer Credit if you notice anything off by calling 877-310-2373.

Bottom line

If you’re struggling to cover big expenses or need help financing your next vacation, a loan from Pioneer Credit could be an option. With limited eligibility requirements and a high $50,000 maximum lending cap, it’s a good resource for poor-credit borrowers. But with so little information about its rates, terms and other potential fees, you may want to compare your other personal loan options first before making a decision.

Frequently asked questions

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site