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USAA auto loan rates

Member bank for military, veterans, and families.

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From APR
5.49%
Best advertised rate

This is the lowest APR USAA advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit
640+
FICO score

USAA advertises its best rates to borrowers with FICO scores around 640 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount
$5,000+
Up to $100,000

USAA finances auto loans from $5,000 up to $100,000.

Loan terms
12–84
Months

Pick a repayment term from 12 to 84 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's USAA rates by loan type

Rates shown are the best advertised APRs as of June 15, 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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