Document:

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[PIONEER FINANCIAL SERVICES, INC. LOGO]
             PIONEER FINANCIAL SERVICES, INC.
                       - Since 1932 -                   IRA APPLICATION

<TABLE>
<CAPTION>

<S>                                                            <C>
-----------------------------------------------------------    You may qualify for a fully deductible IRA. See reverse side for
1. PARTICIPANT:                                                details. Pioneer IRA's receive a high rate of return with no costs or
                                                               fees. All income is tax-deferred until withdrawal after age 591/2.
-----------------------------------------------------------    (Federal IRA rules provide for substantial penalties for withdrawal
First Name       Middle Initial      Last Name                 before age 591/2.)

-----------------------------------------------------------    ---------------------------------------------------------------------
Street Address                                                                               INTEREST
                                                                                        COMPOUNDED ANNUALLY
-----------------------------------------------------------    ---------------------------------------------------------------------
City             State               Zip Code                           TERMS             $1,000 - $9,999     $10,000 and over
                                                               ---------------------------------------------------------------------
-----------------------------------------------------------          12-35 months            1.75% APY           2.00% APY
Social Security Number               Date of Birth             ---------------------------------------------------------------------
                                                                     36-59 months            4.50% APY           5.00% APY
-----------------------------------------------------------    ---------------------------------------------------------------------
Daytime Phone                        Evening Phone                   60-95 months            6.50% APY           7.00% APY
                                                               ---------------------------------------------------------------------
-----------------------------------------------------------         96-119 months            8.50% APY           9.00% APY
2. CONTRIBUTION TYPE:                                          ---------------------------------------------------------------------
   Please check your contribution type. Enclose a check               120 months             9.00% APY           9.50% APY
   made payable to Pioneer Financial Services (unless you      ---------------------------------------------------------------------
   are making a transfer)
                                                                                    Quotation Rate Good Through
  [] Regular IRA Contribution (For current year unless you                                December 31, 2004
     specify different year.)                                                             -----------------
  [] Roth IRA Contribution (For current year unless you
     specify different year.)    _________                                  --------------------------------------------------------

  [] SEP Contributions    [] IRA to IRA Transfer               4. NEW CERTIFICATE AUTHORIZATION
                             (Complete Section 3)
  [] Direct Transfer/Rollover From Employer Plan               I hereby tender payment for, and authorize and direct Pioneer
  [] Rollover  Check in the amount of $_________  made         Financial Services (PFS), Custodian, to purchase in the amount and
     payable to Pioneer Financial Services is enclosed.        for the term indicated below, a PFS Investment Note as described in
                                                               the current prospectus of PFS, a copy of which I received, have read,
     This represents a Rollover from:                          and understand. I also understand PFS is an IRA custodian only, and
                                                               is not rendering investment or tax advice regarding the advisability
     [] IRA (or SEP IRA)         [] SIMPLE IRA                 of this investment.
     [] Qualified Plan or 401(k) [] Governmental
     [] 403(b) Plan                 457(b) Plan                Amount $_____________________________________________________________

     Date qualifying distribution was made ____________        Term _________________________________________________ months

  o  Rollovers of eligible distributions must be made          Rate ______________________%   Date _____________________
     within 60 days of your receipt of the distribution.
  o  Rollovers from another IRA cannot be done if a            X
     similar rollover has been made within the 12 months       ---------------------------------------------------------------------
     immediately preceding the date of issue of this Note      Signature
-----------------------------------------------------------
3. TRANSFER INFORMATION:                                       ---------------------------------------------------------------------
   Complete only if you are making an IRA to IRA transfer.
A) Resigning IRA Custodian Information                         An IRA Disclosure Statement, Custodial Agreement and Designation of
                                                               Beneficiary forms will be mailed to you once your application is
-----------------------------------------------------------    received. Please call
Resigning IRA Custodian                                        816/756-2020 or 1-800-336-5141 for further details and assistance in
                                                               choosing your IRA. Pioneer will give current rate quotations by
-----------------------------------------------------------    telephone. Your certificate will be issued at the rate in effect on
Street Address or Post Office Box                              the date of receipt and that rate will remain fixed for the term of
                                                               the certificate. The certificate cannot be issued and the IRA opened
-----------------------------------------------------------    until you have received the IRA Disclosure
City             State               Zip Code                  Statement and a seven-day revocation period has elapsed.

-----------------------------------------------------------    ---------------------------------------------------------------------
Phone Number     Contact Person (if available)

B) Transfer Instructions
Please liquidate all assets (or $________) in my
Account Number ______________ [] immediately [] at maturity
and remit proceeds payable to Pioneer Financial Services
to the following address:     4700 Belleview, Suite 300
                              Kansas City, MO  64112

X
-----------------------------------------------------------
Signature (sign here and in Section 4)      Date
                     ---
</TABLE>

<PAGE>

                    2004 REGULAR IRA CONTRIBUTION INFORMATION

                Who Is Eligible For A Full Or Partial Deduction?

All persons under age 701/2 having earned income are eligible to contribute to
an IRA with all interest or earnings tax-deferred until withdrawn at retirement.
The maximum contribution amount is limited to the lesser of $3,000 per worker or
100% of income. IRA rollovers have been significantly expanded under new laws.
Also, if you will be age 50 or over at the end of 2004, your contribution limit
is increased by $500. However, persons having pension/retirement plan coverage
at work may be limited as to the amount of the contribution which is deductible
from current year income. To determine whether you are eligible to take a full
or partial deduction with respect to a traditional IRA, or contribute with no
deduction but with tax deferred interest, refer to the chart below:

<TABLE>
<CAPTION>

------------------------------------------------------------------------------------------------------------------------------------
Modified Adjusted             COVERED by a Retirement Plan            NOT COVERED by a Retirement Plan
Gross Income*                 at work, filing status:                 at work, filing status:
------------------------------------------------------------------------------------------------------------------------------------
At                 but        Single or   Married-joint   Married-    Married-joint    Married-separate  Single or   Married-Joint
least              less       Head of     or Qualifying   separate    (Spouse is       (Spouse is        Head of      Or Separate
                   than       Household   Widow(er)                   covered by a     covered by a      Household  (Neither Spouse
                                                                      Retirement Plan  Retirement Plan)                 Covered)
------------------------------------------------------------------------------------------------------------------------------------
<S>                <C>        <C>         <C>              <C>        <C>              <C>                  <C>
$       0          $  10,000  FULL        FULL             Partial**  FULL             Partial**
$  10,000          $  45,000  FULL        FULL             None       FULL             None
$  45,000          $  55,000  Partial**   FULL             None       FULL             None                  Full Deduction Allowed
$  55,000          $  65,000  None        FULL             None       FULL             None                 Without Regard to Income
$  65,000          $  75,000  None        Partial**        None       FULL             None
$  75,000          $150,000   None        None             None       FULL             None
$150,000           $160,000   None        None             None       Partial**        None
$160,000 or Over              None        None             None       None             None
------------------------------------------------------------------------------------------------------------------------------------
</TABLE>

*AGI, Form 1040, plus certain amounts are added back.
** Partial deductions are permitted; see IRS Form 1040 (or Publication 590) for
full details.

Even if you're NOT eligible for a tax deduction, your $3,000 contribution earns
interest that's tax-deferred until withdrawn.

                        No Brokerage Commissions Or Fees

Pioneer can save you a considerable amount of money because you NEVER pay any
commissions or fees of any kind. EVERY penny you contribute to your IRA works
for you by earning interest.

                          IRA Interest Is Tax-Deferred

The interest on you IRA compounds tax-free until withdrawal, at which time your
tax bracket may be much lower.

                              What About My Spouse?

If your spouse is employed, he or she can set up a separate IRA with a $3,000
limit ($3,500 if age 50 or older), or 100% of earned income, whichever is less.

If your spouse has no earned income for the year, you can start an IRA in your
spouse's name with a contribution up to $6,000 for both of you. A new
contribution can be made every year. Your contributions may be split however you
choose as long as not more than $3,000 is contributed into either IRA and the
minimum investment amount of $1,000 is maintained. You must file a joint tax
return to qualify for this plan.

                   When Can I Withdraw The Funds From My IRA?

If your IRA is funded with a Pioneer Certificate, you may only withdraw your
funds at maturity of the Certificates (if before age 59 1/2, this may be subject
to a government tax penalty). You may withdraw your interest from your Pioneer
IRA anytime and over age 59 1/2 there is no tax penalty. In the event of death,
your named IRA beneficiary will receive the total balance of your IRA in
accordance with government regulations in effect on that date. At age 70 1/2
disbursements will start to liquidate your IRA over your remaining life
expectancy regardless of the certificate's maturity date.

                If Interest Rates Drop, Will My Rate Be Reduced?

Not if your IRA is funded with a Pioneer Certificate where the rate is
guaranteed until maturity at which time you have the options to withdraw your
funds or renew at the then current rate. In the event of death, your named IRA
beneficiary can continue to receive the high interest rate to maturity of your
Pioneer Certificate.

                    TIME IS MONEY! INVEST IN YOUR IRA TODAY!!

*This is general information on the tax aspects of an IRA and is not intended as
specific advice concerning your personal tax situation. Please consult with your
professional tax advisor before contributing money to an IRA plan.

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