USAA Auto Loan
USAA Auto Loan
in Auto Loans from USAA

USAA Auto Loan

in Auto Loans from USAA
SuperMoney Net Recommendation Score -36  


This product is mostly not recommended by SuperMoney users with a score of -36, equating to 2.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

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Autopay Auto Loan
Autopay Auto Loan 61 reviews
Community Rating Mostly not recommended
Credit Score Range 560 - 850
Loan Amount $5,000 - $3,000,000
APR  (Fixed APR) 2.59% - 16.28%
Loan Term (Months) 12 - 84 months
Number of Reviews 45

USAA Auto Loan Review

USAA Auto Loan is offered by USAA, a financial services company founded in 1922 and based in San Antonio, TX. USAA Auto Loan are available in 50 states (and Washington, DC).

USAA auto loan FAQ

How much can you borrow via USAA auto loan?

USAA auto loan loan amounts start at $5,000 and go up to $3,000,000.

What APR does USAA auto loan offer on its car loans?

USAA auto loan offers a fixed apr car loan product that ranges from 2.59% APR up to 16.28% APR. Rate is quoted with autopay discount*.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with USAA auto loan?

USAA auto loan has car loans with terms ranging from 12 to 84 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does USAA auto loan charge an origination fee?

No, USAA auto loan does not charge a loan origination fee.

An auto loan origination fee is what some lenders charge for processing an auto loan application and funding an auto loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

Does USAA auto loan charge a late fee?

Yes, USAA auto loan charges borrowers with a late payment penatly fee

Does USAA auto loan charge prepayment fees?

No, USAA auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like USAA auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my USAA auto loan loan?

Yes, you can. USAA auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for USAA Auto Loan?

Applicants with a credit score of at least 560 and up to 850 may be eligible for USAA Auto Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

USAA Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. USAA Auto Loan will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via USAA Auto Loan. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by USAA Auto Loan.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via USAA auto loan?

USAA auto loan will typically approve (or deny) a car loan application within 1 hour and fund the car loan within 1 business day of approval.

Is USAA a legit company?

USAA was founded in 1922, it is a well-established company that has been in business for 101 years. USAA Auto Loan are mostly not recommended by SuperMoney community users.

USAA Auto Loan Disclosure: Displayed rates are the lowest Annual Percentage Rates (APR) and include a discount for automatic payments (0.25%). Rates subject to change without notice and vary based on approved credit and other factors, such as term, model year, and loan amount.
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From USAA auto loan

When you join USAA, you become part of a family who stands by you during every stage of your life.

We offer benefits, products and discounts for U.S. military members and their spouses, as well as children of USAA members. We're committed to providing our members with exceptional service.We've earned our members' trust by providing convenient banking and competitively priced insurance, and a comprehensive suite of investment products through our strategic providers.

Get your rates quickly on new, used and refinanced loans. We help you save before you get your keys. We're committed to making the trip to the dealer an easy one. See how much we can help you save.

Message From Our Editor

What we love about USAA Auto Loans

USAA is a popular financial company that has a reputation for great customer service. That reputation holds true with its auto loans. Customers can expect an easy application and strong customer service throughout the borrowing process.

Loans are flexible, with terms as long as 84 months, and have highly competitive rates and fees so borrowers can feel confident that they’re getting a good deal.

Additionally, because USAA was founded by members of the military and is dedicated to serving the military, it’s also well-equipped for handling the unique circumstances servicemembers face.

One great perk of USAA’s auto loans is that if you buy from a USAA certified dealer and find a better deal on a car right after you make your purchase, USAA will refund the difference, acting as a form of purchase protection.

What could USAA Auto Loans do better?

The primary drawback of borrowing from USAA is that the company has strict eligibility requirements. The company focuses on serving members of the military and their families, so you won’t be able to get coverage unless you are an active, retired, or separated service member or a spouse, widow, widower, or former spouse of an eligible servicemember.

Other than this, there’s little to complain about.

USAA Auto Loans’s backstory

USAA was founded in 1922 by Army officers looking for car insurance. They decided to form their own insurance company instead. Over time, the officers added more servicemembers to the group and expanded their company to offer other services, such as banking and loans.

The Verdict

USAA offers strong auto loans and makes it easy for people to shop for a vehicle through its network of dealers. If you’re eligible to work with USAA, there’s little reason that it shouldn’t be one of the first lenders you check when shopping around.


Hours of Operation

  • Sunday Closed
  • Monday 7:00am - 9:00pm
  • Tuesday 7:00am - 9:00pm
  • Wednesday 7:00am - 9:00pm
  • Thursday 7:00am - 9:00pm
  • Friday 7:00am - 9:00pm
  • Saturday 8:30am - 5:00pm

Other Services by USAA


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
No Origination Fee
No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
Credit Score Range 560 - 850
APR Type Fixed APR
Loan Amount $5,000 - $3,000,000
APR (Fixed APR) 2.59% - 16.28%
Loan Term 12 - 84 months

USAA Auto Loan Community Reviews


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This product is mostly not recommended by SuperMoney users with a score of -36, equating to 2.3 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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