Begin your car-buying journey right here with us!
KEY FEATURES
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| Rates as Low as 4.99% APR* | Flexible Terms | Accelerated Processing | Friendly Faces |
*Not all will qualify for the lowest rate
Benefits
- 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
Guaranteed Asset Protection (GAP) Coverage
The thought of experiencing a total loss on your recently purchased vehicle is undoubtedly undesirable, but it's crucial to consider for your safety and financial well-being.
As soon as you drive your car off the lot, it typically depreciates by approximately 20%, and the depreciation continues over time. If your vehicle is declared a total loss, you may be responsible for covering the gap between the outstanding balance you owe and the value determined by your insurance company. 4 6
At Pioneer, we provide GAP (Guaranteed Asset Protection) to our members at a significantly reduced cost—nearly 50% less than typical dealership rates. While dealerships commonly charge a flat fee between $400 and $700 for GAP coverage, credit unions and insurers often offer the same protection for $20–$100 per year, resulting in savings of 50% or more compared to dealership pricing. 2 3 5 8
Don't miss out on this opportunity!
Mechanical Repair Coverage (MRC)
A staggering number of Americans are unable to afford an unexpected auto repair expense. According to a recent survey by FinanceBuzz, 58% of drivers could not afford an emergency car repair costing more than $1,000, and 33% could not afford a repair bill over $500. 6 5
Additionally, Kelley Blue Book reports that the national average cost for car repairs is $838, with many common repairs—such as fuel pump or injector replacements—exceeding $1,100. 2
To shield our members from the burden of unforeseen vehicle repair costs, we provide Mechanical Repair Coverage (MRC) in the form of a vehicle service contract. This coverage is designed to offer protection and financial peace of mind in the face of unexpected vehicle repairs.
Ready to Shop?
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 Pioneer's Exclusive Auto Shopping Site! Research local deals, save time and money, and more.
Skip a Payment
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. Interest will continue to accrue during the skipped payment period.
Fraud Alerts
Pioneer is always keeping up to date with recurring trends or trends seen in the news regarding fraud. We report the information to you so that you can take precautionary measures to ensure your card has not been compromised.