SuperMoney
  USAA Auto Refinance
USAA Auto Refinance
in Auto Loan Refinancing from USAA
Claimed

USAA Auto Refinance

Claimed
in Auto Loan Refinancing from USAA
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend USAA Auto Refinance to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
Credit Score Range 560 - 850
Loan Amount N/A
APR  (Fixed APR) 2.59% - 13.85%
Loan Term (Months) 12 - 84 months

USAA Auto Refinance Review

USAA auto refinance is an auto loan refinance offering by USAA, based in San Antonio, TX. Founded in 1922, USAA offers auto refinance loans in 50 states (and Washington, DC).

What are the auto loan refinancing rates offered through USAA auto refinance?

USAA auto refinance offers a fixed APR car loan refinancing product that ranges from 2.59% APR up to 13.85% APR.

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

USAA auto refinance offers auto refinancing with terms ranging from 12 to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto refinancing loan, the more interest you will pay.

Does USAA auto refinance charge an origination fee on auto refinance loans?

No, USAA auto refinance does not charge a loan origination fee for refinancing a car loan.

A loan origination fee is what some lenders charge for processing, underwriting, and funding a loan. Typically fees range from 0.5% to 5% of the loan amount.

Does USAA auto refinance charge a late fee?

Yes, auto refinance loans via USAA auto refinance are subject to late payment penalty fees.

Does USAA auto refinance charge prepayment fees?

Yes, USAA auto refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment feees can reduce or even cancel the interest savings of repaying a loan early.

What do you need to qualify for USAA Auto Refinance?

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

USAA Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. USAA Auto Refinance 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 Refinance. 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 Refinance.

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 refinance with USAA auto refinance?

Auto refinance loan applications are typically approved (or denied) within 1 hour and funded within 0 to 1 days 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.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

USAA Auto Refinance 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: SuperMoney.com 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 refinance

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.

Refinancing with USAA Bank could help you lower your payment by getting a better interest rate or changing the length of your loan. We put you in the driver's seat, so you can choose the best options for your budget. We have competitive rates to meet your needs.

Contact

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

Availability

  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
Credit Score Range 560 - 850
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
APR (Fixed APR) 2.59% - 13.85%
APR Type Fixed APR
Loan Term 12 - 84 months

Be the first to rate

 

Would you recommend USAA Auto Refinance to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Auto Loan Refinancing