Features

Where does USAA do business?

USAA is based in San Antonio, TX. It was founded in 1922 and offers auto loan refinancing in states.

What are USAA’s auto loan refinancing rates?

USAA offers refinance loans with APRs starting at 2.49% and up to 13.85%.

What is the maximum loan term for a USAA refinance loan?

USAA offers auto refinancing loans with terms of up to 84 months.

Does USAA charge an origination fee?

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

What is USAA’s eligibility criteria?

USAA requires borrowers to have a credit score of at least 560 to apply.

To qualify, applicants must provide the following documentation:

- Driver license

- Proof of citizenship or residence permit

- Recent pay stubs

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

USAA will typically approve (or deny) a loan application within 1 hours and fund it the same day the loan application is approved.

 

  • Payment Options
    • Automatic Payments
    • Check by mail
  • APR
    2.49% - 13.85%
  • Max Loan Term (Months)
    84
  • Credit Score Range
    560 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Verification Documents Required?
    • Recent pay stubs
    • Driver license (or other photo ID)
    • Proof of citizenship/residence
  • No Origination Fee
  • Institution Type
    Bank
  • Approval Speed (Hours)
    1
  • Deferred Payments
  • Funding Time
    Same day
  • Credit Bureau Reporting
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.
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