Where does USAA do business?

USAA is based in San Antonio, TX. The company was founded in 1922 and offers personal loans to borrowers in 50 states.

What are USAA’s rates?

USAA offers personal loans with APRs starting at 8.99% and 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 prepayment penalties?

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

How much can you borrow from USAA?

Loan amounts start at $2500 and go up to $20000

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

USAA offers personal loans with terms of up to 84 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for a USAA loan?

Applicants with a credit score of at least 640 can apply for a loan via USAA.

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. 

To qualify, applicants must provide the following documentation:


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 as soon as 1 business day of approval.

  • Max Loan Term (Months)
  • Credit Score Range
    640 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Veterans
  • Minimum Age
  • Late Fee After (number of days)
  • No Origination Fee
  • No Prepayment Fee
  • Institution Type
  • APR
    8.99% - 10.99%
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Loan Amount
    $2500 - $20000
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