Prospectus Supplement (To prospectus supplement dated ___________, ______,
prospectus supplement dated ___________, ______, prospectus supplement dated
___________, ______, and prospectus dated ___________, ______,)

                    PIONEER                     Pioneer Financial Services, Inc.
                    FINANCIAL                   25,000,000 Investment Notes
                    SERVICES                    Minimum Investment of $1,000
[GRAPHIC OMITTED]                               Rate Supplement


<TABLE>
<CAPTION>
                                                         Interest Paid or Compounded Annually

                                                          Principal Amounts of        Principal Amounts of
                                                           $10,000 - $24,999           $25,000 - $100,000
                              Principal Amounts of           IRA Amounts of                IRA Amounts
         Term                    $1,000 - $9,999            $1,000 - $9,999            $10,000 - $100,000
------------------------ ----------------------------- --------------------------- -----------------------------
<S>  <C>                             <C>                         <C>                          <C>
     12-35 months                    1.00%                       1.75%                        2.00%
----------------------------------------------------------------------------------------------------------------
     36-59 months                    4.00%                       4.50%                        5.00%
----------------------------------------------------------------------------------------------------------------
     60-95 months                    6.00%                       6.50%                        7.00%
----------------------------------------------------------------------------------------------------------------
    96-119 months                    8.00%                       8.50%                        9.00%
----------------------------------------------------------------------------------------------------------------
      120 months                     8.50%                       9.00%                        9.50%
----------------------------------------------------------------------------------------------------------------
</TABLE>

Notes are offered in principal amounts from $1,000 to $250,000 in increments  of
$1,000. Interest rates on Notes in a principal amount in excess of $100,000 will
be negotiated on a case-by-case basis based upon our financial requirements, the
term of the investment and prevailing interest rates.

         RATES ARE VALID FROM NOVEMBER 29, 2004 UNTIL DECEMBER 31, 2004.

Holders of Notes in a  principal  amount of $10,000 or more may elect to receive
monthly interest payments in return for a 1/2% reduction in the interest rate of
the Note.

An offer may only be made by the prospectus dated January 13, 2004, delivered in
connection  with this prospectus  supplement  dated November 29, 2004. SEE "RISK
FACTORS"  BEGINNING ON PAGE 6 OF THE PROSPECTUS  FOR CERTAIN  FACTORS YOU SHOULD
CONSIDER BEFORE BUYING THE NOTES.

You may obtain an additional copy of the prospectus dated January 13, 2004, free
of charge from Pioneer Financial Services, Inc. by calling 800-336-5141.

NOTES  REPRESENT  UNSECURED,   SUBORDINATED  OBLIGATIONS  OF  PIONEER  FINANCIAL
SERVICES,  INC.  AND ARE NOT  INSURED  OR  GUARANTEED  BY THE  FDIC,  ANY  OTHER
GOVERNMENTAL OR PRIVATE INSURANCE FUND, OR ANY OTHER ENTITY.

<TABLE>
<CAPTION>
                                                      Underwriting Discount           Proceeds
                               Price to Public            and Commission             to Company
                         --------------------------- -------------------------- --------------------
<S>                                   <C>                         <C>                    <C>
Per Note ................             100%                        None                   100%
----------------------------------------------------------------------------------------------------
Total.......................          100%                        None               $25,000,000(1)
----------------------------------------------------------------------------------------------------
</TABLE>

(1) Before deduction of expenses

These  securities  have not been approved or  disapproved  by the Securities and
Exchange  Commission or any state  securities  commission nor has the Securities
and  Exchange  Commission  or any state  securities  passed upon the accuracy or
adequacy of this prospectus.  Any  representation  of the contrary is a criminal
offense.

           The date of this prospectus supplement is ___________, ____

                            Pioneer Financial Services, Inc.
                            4700 Belleview Avenue, Suite 300
                            Kansas City, Missouri 64112
                            816-756-2020 or 800-336-5141