USAA | Auto Loan

4.4

USAA auto loans offer low rates and flexible payments for eligible military families.

Loan Details

Loan Amount Starting at $5,000
APR From As low as 4.29%
Min Credit Score Not Specified

Rates by Type

	New/Used Car Loans	Refinancing
APR	From 4.29%	From 4.29%
Loan Amounts	From $5,000	From $5,000
Loan Terms	36-84 months	36-84 months

Disclaimer: We are an independent information site, not an insurance company. All figures are estimates for comparison only; table data represents full coverage premiums. Please verify final quotes and terms directly with the insurer.

Pros & Cons

Pros

Low APRs and flexible terms for members.
Choose new, used, refinance, or older car loans.
Apply, sign, and manage your loan online.

Cons

No prequalification is available; a hard inquiry is required.
USAA auto loans require military or eligible membership.
Loan approval requirements are not publicly listed.

Eligibility

USAA does not provide specific eligibility guidelines, but to qualify for a loan, you must meet its general membership requirements and submit the following information:

Details about your current employment and income.
Proof of income, such as a pay stub.
Your current address information.
Authorization for USAA to check your credit.

Application

Apply Now

1. Apply for membership

If you are not already a member, you need to apply for USAA membership to be eligible for an auto loan with the bank.

2. Provide details

Submit your income, employment information, and addresses for the past two years. You will also need to agree to a credit check.

3. Review terms

USAA will decide whether to approve the loan based on the information you provide. If the offer is acceptable, the closing process will depend on the type of vehicle you are buying.

For a dealer purchase, the full process should be completed at the dealership.
If you buy from a private party, USAA will need vehicle details, including any lien information that must be paid off, as well as a copy of the title.
Lease buyouts require your car details, the dealer's contact number, and a payoff amount that is valid for 10 days.
Refinancing requires information about your vehicle, the current lender's contact information if it is not USAA, and a payoff amount that is valid for 10 days.