If you change your mind or find a better loan with another financial institution, you may cancel your loan with no obligation and no cost to you. Simply return the funds in full within 15 days of signing for your loan and your account will be closed. If you need to return the money and cancel your loan, please give us a call at 1-888-356-3848. Pioneer was the first personal military lender to offer a 15-day return guarantee, and challenged other military lenders to also adopt the policy.