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USAA Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 November 2023
Fact checked

USAA auto loans overview

USAA logo

United Services Automobile Association (USAA) provides financial services to members of the U.S. military, veterans, and their families. USAA extends competitive auto loans with flexible terms and minimal fees. Besides new and pre-owned cars, members can also secure multiple loan types for recreational vehicles, boats, ATVs, motorcycles, and more.

Want to see what a USAA auto loan will cost? Try the USAA auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key USAA auto loan features

  • Minimum loan amount: $5,000 for 12 to 60 months, $15,000 for 72 months, and $25,000 for 84 months.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 5.74% APR.
  • Loan terms: 12 to 84 months.
  • Loan fees: No application fee.
  • Discounts: Autopay discounts.

USAA AUTO LOAN OPTIONS

New and used auto loans

USAA offers new and used car loans with affordable rates and long terms. For 2022 and newer models, the interest rate can go as low as 5.74% APR, and terms range from 12 to 84 months. Then, 2016 to 2021 models have rates from 6.09% APR and terms of up to 84 months. If you’re looking for 2015 and older models, APRs begin at 9.09% with repayment periods of up to 72 months.

RV and boat loans

Loans tailored for a range of recreational vehicles and boats are available, too. For RV loans, you can finance motorhomes, pop-up campers, fifth wheels, truck campers, and travel trailers. Meanwhile, you can finance new and used fishing boats, ski boats, sailboats, yachts, and pontoons for a minimum of $5,000.

Motorcycle, ATV, and personal watercraft loans

USAA can also help you fund your motorcycle, scooter, dirt bike, ATV, UTV, personal watercraft, and snowmobile. If you want to finance new and used motorcycles, you can pay your loan for up to 72 months. To know more about the rates and terms, you can get in touch with USAA.

USAA auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
USAA

USAA auto loan

USAA auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate USAA auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

HOW TO APPLY FOR A USAA AUTO LOAN

Eligibility criteria

While USAA doesn’t specify the requirements for financing, you normally need to meet the following:

  • At least 18 years old
  • A legal resident
  • A USAA member
  • Employed or have a reliable source of income

Remember that a high credit score can help you demonstrate responsible borrowing habits. So, consider boosting your credit standing before submitting a car loan application. This way, you improve your chances of locking in better rates and terms.

How to join USAA

You can join USAA if you meet one of the following:

  • Active duty military
  • National Guard and Reservists
  • Veterans
  • Contracted ROTC cadets and midshipmen
  • Officer and Warrant Officer Candidates
  • Military spouses
  • Children of USAA members
  • Service Academy appointees

What you’ll need to have ready

Personal details

When you apply for auto financing with United Services Automobile Association, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide USAA with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

It helps to be aware of the steps in applying for an auto loan, too. Understanding the process can help you prepare for your application so that you can have an easier and faster car-buying experience.

Ways to apply for a USAA auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 800-531-8722

Additional United Services Automobile Association auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but USAA may take 1 business day or more depending on your application.
  • Rate discounts: 0.25% APR discount for enrolling in automatic payments.
  • Repayment frequency: Monthly, bi-monthly, and bi-weekly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Payment relief after a natural disaster is available.
  • Ways to repay: Online banking and mobile banking.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible loan terms.
  • 0.25% autopay discount.
  • No application fee.
  • No prepayment penalty.
  • Convenient online application.
  • Pre-approval available.
  • Loans allowed for dealerships, private sellers, and lease buyouts.
  • Purchase and refinance available.
  • Loans for different vehicle types – cars, recreational vehicles, motorcycles, dirt bikes, ATVs, UTVs, snowmobiles, etc.

Cons

  • Limited to members.
  • Unspecified maximum loan amounts.
  • Undisclosed vehicle requirements.

FREQUENTLY ASKED QUESTIONS

How much interest does USAA charge on auto loans?

New car loans go as low as 5.74% APR, and used car loans start at 6.09% APR. Keep in mind though that your annual percentage rate varies based on several factors, such as credit, term, collateral, loan amount, etc.

Are there discounts available on United Services Automobile Association car loans?

You can get a 0.25% APR discount when you set up automatic payments.

What is the maximum term of a USAA vehicle loan?

Depending on how much you borrow, USAA loan terms can be as long as 84 months.

Can I apply for USAA auto financing online?

Yes. You can apply for an auto loan online.

What information do I need to provide when applying for a USAA vehicle loan?

Other than your personal and loan details, you also need to indicate details about your employment, income, and housing.

Will applying for an auto loan with USAA affect my credit score?

Like with most loans, submitting a car loan application will require a hard credit check from the financial services company. In turn, this will appear on your credit report and lower your score for a short period. But to build a positive credit history, consistently pay your monthly dues.

Video: What to do when your car lease ends | USAA

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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