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Auto Loan Refinancing
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Last Updated: 04/18/2025

USAA Auto Refinance

in Auto Loan Refinancing from USAA Federal Savings Bank

Last Updated: 04/18/2025

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Compare auto loan refinancing offers from multiple vetted lenders.

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Discover your lowest eligible rate in minutes.

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See how much you qualify for and what your monthly payment will be.

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Amount Range

N/A

APR (Fixed APR)

2.59% - 13.85%(Verified 06/21/2024)
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Credit Score Range

560 - 850
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Loan Term (Months)

12 - 84
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USAA Auto Refinance Review

USAA auto refinance is an auto loan refinance offering by USAA Federal Savings Bank, based in Phoenix, AZ. Founded in 1922, USAA Federal Savings Bank 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.
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 or other government photo ID
  • 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 funded within 0 to 1 days of approval.

Does USAA Federal Savings Bank perform a hard credit pull?

Yes, USAA auto refinance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Is USAA Federal Savings Bank a legit company?

USAA Federal Savings Bank was founded in 1922, it is a well-established company that has been in business for 104 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.

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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.

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Headquarters

1 Norterra Dr
Phoenix, AZ 85085
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