SuperMoney

USAA

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in Personal Loans

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Overview

Where does USAA do business?

USAA is a bank based in San Antonio, TX. Founded in 1922, USAA offers access to personal loans in 50 states across the USA.

What are the APRs offered via USAA?

USAA offers a personal loan product that ranges from 8.99% up to 10.99%.

Does USAA charge an origination fee?

No, USAA does not charge a loan origination fee.

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. Whenever possible, go with lenders that don’t charge origination fees.

Does USAA charge a late fee?

Yes, USAA may charge borrowers a late payment fee, which is triggered if you're 15 days late.

Does USAA charge prepayment fees?

No, USAA does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

How much can you borrow via USAA?

Loan amounts start at $2,500 and go up to $20,000.

What do you need to qualify for a loan with USAA?

Applicants with a credit score of at least 640 can apply for a loan via USAA . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

USAA only considers borrowers who are employed.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via USAA. Their rates fall within the limits of The Military Lending Act.Only U.S. citizens and permanent residents can apply for a loan.

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

USAA will typically approve (or deny) a loan application within 24 hours and fund personal loans within 7 business days of approval.

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...

Availability

Available in 50 states
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
No Prepayment Fee
Late Fee After (number of days)
15
Minimum Age
18
Credit Score Range
640 - 850
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Veterans
Joint Loan Applications Accepted
  • Co-signer
Loan Amount
$2.5K0 - $20
$100 $100+
APR
8.99% - 10.99%
4% 100%+

Reviews

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