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Thinking about buying a car? Start here. We offer pre-approval, so you can negotiate car prices at the dealership like a pro.

Key Features

  • Competitively Low Rates
  • Flexible Terms
  • Accelerated Processing
  • Friendly Faces
  • Competitively low interest rates for the purchase of new or used vehicles
  • Flexible terms that fit you and your family’s needs
  • Refinance your current vehicle to potentially lower your rate
  • Guaranteed Asset Protection (GAP) available
  • Mechanical Repair Coverage available
  • Accelerated processing right here in West Virginia
  • Friendly, personal service from folks in your community

The last thing you want to think about right after purchasing a vehicle is a total loss on your new ride…but you should for the sake of safety.

The moment you drive your car off the lot, it depreciates about 20% on average and continues after that. If your vehicle is deemed a total loss, you are responsible to pay the difference between what you owe, and what your insurance company says your vehicle is worth.

Pioneer offers its members GAP at nearly 50% less than the dealership cost. Contact us to take advantage of it today!

Did you know that 6 out of 10 Americans can’t afford a $500 unexpected auto repair? The average car repair costs more than $1,100.

So we offer our members a vehicle service contract, Mechanical Repair Coverage (MRC), to help protect them from unexpected vehicle repair costs.

See our MRC Product Overview to learn more (PDF).

If you're looking for a new car, we put our members in the driver's seat! Search for your perfect new or used vehicle through GrooveCar! Research local deals, save time and money, and more.

Skip a month's loan payment and keep the cash — it’s easy! Just choose the month you’d like to skip and enjoy a payment-free month!  

Please submit your skip request at least 2 weeks before your payment is due to allow for processing time. Fee Applies.


Your Financial Compass For Life

...not only did Pioneer save me $1,716.24 in interest, but they saved me $351 on a GAP warranty... Pioneer was fantastic!
I came to Pioneer in desperate need of a loan for a complex situation... They took the smartest approach to save money in interest.
I was able to do a balance transfer to my Pioneer credit card from my Chase credit card and dropped my interest rate from 15% to 6.70%.
Pioneer was a big help with refinancing our vehicles. We are saving over $200 a month on our payments and saved over $4000 in interest in just one auto!
They took 2 years off our loan term when we refinanced, saving us over $1400 in interest.
My financial advocate was knowledgeable, polite and friendly. Banking at Pioneer has been a blessing.
We refinanced a new vehicle with Pioneer and were able to save money on monthly payments and overall interest. Over $1140.
If not the FA taking the time to explain to me how financing worked, I would have made a mistake that would have cost me thousands of dollars ($10,000 actually).
By the end of my appointment, I consolidated two of my credit cards saving me over $5,000. Amazing!
Member Stories