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USAA auto loan rates

Member bank for military, veterans, and families.

Visit USAA Calculate payment
From APR
5.49%
Best advertised rate
Min credit
640+
FICO score
Loan amount
$5,000+
Up to $100,000
Loan terms
12–84
Months

Today's USAA rates by loan type

Rates shown are the best advertised APRs as of May 1, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type Term APR (from)
New car 60 mo 5.49% Compare →
Used car 60 mo 5.99% Compare →
Refinance 60 mo 5.69% Compare →

Pros

  • Strong APRs for members
  • 0.25% auto-pay discount
  • No application fees

Cons

  • Military / family eligibility required
  • No lease buyout in all states

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