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USAA Personal Loan Calculator, Interest Rates & Overview

Updated 6 March 2024

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USAA personal loans overview

The United Services Automobile Association (USAA) offers competitive personal loans tailored to your needs. You can secure flexible financing with fewer fees whether you’re looking to manage your debts, repair or renovate your home, or cover unplanned expenses. On top of these, USAA provides quick funding, rate discounts, and easy application.

Want to see what a USAA personal loan will cost? Try the USAA personal 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.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: $1,000.
Maximum loan amount: $100,000.
Interest rates: From 9.74% APR.
Loan terms: Up to 84 months.
Loan fees: No application fee.
Discounts: Autopay discounts.

USAA personal loan options

Personal loans

Instead of settling for a higher-interest credit card, you can get a personal loan from USAA. You can borrow up to $100,000 for as low as 9.74% APR. Additionally, you can choose to pay your loan for up to 84 months.

USAA personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$20,000

Term

3 months

Change

USAA personal loans

Estimated Month Repayments

$620 Inclusive of fees

Interest Rate

7.24%
APR

Repayment Period

6 months
to 84 months

Loan Amounts

$2,500
to $20,000

Go to site

A personal loan can provide the money you need to help cover unexpected expenses and more. It's often a good alternative to using a higher interest credit card. We offer flexible terms and no application or early repayment fees.

Featured

Wells Fargo personal loans

Estimated Month Repayments

$606 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$848 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

Go to site

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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 an USAA personal loan

Eligibility criteria

USAA doesn’t indicate the requirements for personal loans, but you normally need to be:

A USAA member
18 years old or legal to obtain financing
A legal resident
Employed or have a reliable source of income

Remember that approval and interest rates will depend on several factors, including your credit score and history. So, aim to boost your credit to have more opportunities to qualify for the best 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 personal 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 can apply for the loan directly on USAA’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Besides knowing the documents you need, it helps to understand the steps in getting a personal loan, too. This will give you an advantage since you have an idea about the process and ways to up your chances of securing favorable personal loans.

Ways to apply for a USAA personal loan

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

Additional USAA personal loan details

Automatic payment: Available.

Loan approval times: Instantly in most cases.

Rate discounts: 0.25% APR discount with automatic payments.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: $0.

Co-borrowers allowed: Yes.
Co-signers: Undisclosed.

Hardship program: Payment relief after a natural disaster is available.

Ways to repay: Online banking and mobile banking.

PROS AND CONS

Pros

Quick loan approval.
Competitive interest rates.
Long loan terms.
Flexible loan amounts.
Convenient online application.
No application fees.
No prepayment penalties.
0.25% APR discount with autopay.
Fast funding.
Co-applicants allowed.

Cons

Limited to members.
Potential higher rates for members with poor credit.

FREQUENTLY ASKED QUESTIONS

How can I contact USAA about my loan?

You can reach out to USAA at 210-531-8722 or 800-531-8722.

Can I apply for a personal loan online?

You can submit a loan application online.

How much interest does USAA charge on loans?

USAA offers rates as low as 9.74% APR. Remember though that your rate will depend on several factors, like your credit standing and loan.

What is the maximum length of a USAA personal loan?

The maximum term for USAA personal loans is 84 months.

How much can I borrow from USAA?

You may borrow $1,000 to $100,000. Note though that minimum loan amounts depend on your loan term, too. $5,000 for 48 months, $10,000 for 60 months, $15,000 for 72 months, and $20,000 for 84 months.

What should I state as my reason for a personal loan?

You can finance almost anything. But you can’t use personal loans for college or costs related to higher education.

How long does USAA take to approve a personal loan?

USAA can mostly give loan decisions right away.

Can I repay my personal loan early?

USAA doesn’t charge early payment penalties when you pay off your loan sooner.

USAA Personal Loan Calculator, Interest Rates & Overview