USAA Personal Loans
Would you recommend USAA Personal Loans to your friends?
| Community Rating | Mostly recommended |
| APR (Fixed APR) | 7.24% - 17.65% |
| Loan Amount | $2,500 - $5,000 |
| Loan Term (Months) | 12 - 36 months |
| Number of Reviews | 9 |
USAA Personal Loans Review
USAA Personal Loans is offered by USAA, a financial services company founded in 1922 and based in San Antonio, TX. USAA Personal Loans are available in 50 states across the USA.
Key Takeaways
- APRs starting at 7.24%. These are typical starting rates for personal loans.
- Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
- No origination fee. USAA Personal Loans does not charge a loan origination fee.
- Cosigner applications accepted. Applying for USAA Personal Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
USAA personal loan Pros & Cons
| Pros | Cons |
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USAA personal loan FAQ
What interest rates and personal loan terms does USAA personal loan offer?
USAA personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does USAA personal loan offer?
USAA personal loan offers a fixed APR personal loan product that ranges from 7.24% APR up to 17.65% APR.
How much can you borrow via USAA personal loan?
Personal loan amounts start at $2,500 and go up to $5,000.
What is the maximum loan term you can get with USAA personal loan?
USAA personal loan offers loans with terms of up to 36 months.
| Personal Loan Amount | $2500 - $5000 |
| Loan Term | 12 - 36 months |
| APR | 7.24% - 17.65% |
What fees does USAA personal loan charge?
Does USAA personal loan charge an origination fee?
USAA personal loan does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, go with lenders that don’t charge origination fees.
Does USAA personal loan charge a late fee?
No, USAA personal loan will not charge you a late fee if you miss one of the monthly payments, which is triggered if you're 15 days late.
Does USAA personal loan charge prepayment fees?
No, USAA personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for USAA Personal Loans?
Applicants with a credit score of at least 640 and up to 850 may be eligible for USAA Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.USAA Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. USAA Personal Loans only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
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 Personal Loans. 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 Personal Loans.
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 640 - 850 |
What is the estimated funding time for a personal loan via USAA personal loan?
USAA personal loan will typically approve (or deny) a loan application within 24 hours and fund loans within 7 business days of approval.
Are USAA Personal Loans legit?
USAA was founded in 1922, it is a well-established company that has been in business for 101 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
Contact
- Headquarters
-
9800 Fredericksburg Road
San Antonio, TX 78288 USA - (210) 531-8722
- Visit Site
- Email Support
Other Services by USAA
Availability
- 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
| Late Fee Grace Period | 15 days |
| No Origination Fee | |
| No Prepayment Fee |
USAA Personal Loans Community Reviews
Would you recommend USAA Personal Loans to your friends?
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