Last Updated: 04/18/2025
USAA Personal Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score +27
Mostly recommended11 total votes
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Highlights
Community Rating
Mostly recommended
APR (Fixed APR)
7.24% - 17.65%(Verified 06/21/2024)
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Amount Range
$2,500 - $5,000
Loan Term (Months)
12 - 36
Number of Reviews
USAA Personal Loans Review
USAA Personal Loans is offered by USAA Federal Savings Bank, a bank founded in 1922 and based in Phoenix, AZ. USAA personal loan are available in 50 states.
Key Takeaways
- APRs starting at 7.24%. Personal loan interest rates typically range between 9% and 36%. The starting rates for USAA Personal Loans are on the lower end of the spectrum.
- 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.
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, consider lenders that don’t charge origination fees.
Does USAA personal loan charge a late fee?
USAA personal loan does not disclose whether it charges late payment fees.
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.
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 |
| Credit Score | 640 - 850 |
What is the estimated funding time for a personal loan via USAA personal loan?
USAA personal loan will typically fund loans within 1 to 7 business days of approval and clearing necessary verifications.
Does USAA Federal Savings Bank perform a hard credit pull?
Yes, USAA personal loan 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.
Are USAA Personal Loans legit?
USAA Federal Savings Bank was founded in 1922, it is a well-established company that has been in business for 104 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
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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.