USAA Auto Loans Review | Find the Best Loan for You


USAA offers loans for new and used cars. You can also get auto loan refinancing through USAA. Loan terms are available for 12 to 84 months.

Other USAA loan services include:

  • Lease buyouts.
  • Loans for vehicles equipped for disabled drivers.
  • Loans for cars bought from a private seller.

You can apply for a USAA auto loan online or from your phone. The company says you will receive a decision within minutes.

To apply, you will need to provide:

  • Your income before taxes.
  • The amount you intend to borrow.
  • Whether you rent or own your home.
  • Details about your current employment status.

USAA will then conduct a credit check. If you are approved for a loan, you can e-sign your documents. Loan offers are good for 45 days.


Loans are available for terms of up to 84 months, but terms longer than 60 months have higher annual percentage rates. Also, new car loans have a lower minimum APR than used car loans do.

USAA does not charge application or prepayment fees for auto loans. And you may be able to defer payments if you’re affected by a natural disaster.

If you sign up for automatic payments, you earn a 0.25 percentage point discount on your auto loan rate.

How Can You Qualify?

USAA notes that your credit score and credit history will play a role in whether you are approved for a loan and what rate you will pay. However, the website provides no other details about how to qualify.

USAA has an A+ rating from the Better Business Bureau. The business is not BBB accredited. Trustpilot gives USAA 1.3 out of 5 stars, which is considered “bad.”

In 2021, the Consumer Financial Protection Bureau received 51 vehicle-loan- or lease-related complaints against USAA. USAA provided a timely response for all complaints.

You can reach USAA at one of two phone numbers:

  • 210-531-USAA (8722)
  • 800-531-USAA (8722)

The company has a shortcut mobile number: #USAA (8722). You also can message USAA from its Apple and Android apps.

  • People who are in the military and their families.
  • People who want to apply online.
  • People who are willing to sign up for automatic payments, which will net them a discount.



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