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Personal loan rates as low as 10.34% APRSee note1

With no application or early repayment fees, a USAA Personal Loan is a good alternative to using a higher interest credit card. We offer loans from $1,000 to $100,000 with flexible terms.

What can I use a personal loan for?

  • Managing Debt

    Make managing your bills easier when you pay off higher interest loans and credit cards.

  • Home Improvements

    Remodeling or renovating your home can get expensive. Get money for upgrades or repairs quickly.

  • Planned and Unplanned Expenses

    Whether you need to set up the nursery or pay a medical bill, we may be able to help.

Personal loan calculator

Just enter a loan amount and term to get a quick estimate of your monthly payment based on the best rate available.

How much money do you need?

$1,000 Minimum and $100,000 Maximum

Amount must be between $1,000 and $100,000

What loan term do you want?

Do you want to sign up for an auto pay discount?

Yes
No

Estimated APR and Monthly Payment

Annual Percentage RateSee note1

Monthly Payment

Total Cost of Loan

Note: This calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. This information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. Rates vary based on approved credit and other factors.

Apply now for a personal loan

How to get a personal loan

  1. Step 1: Apply online.

    Tell us how much you want to borrow, plus details about your income, housing and employer. There's no fee to apply.

  2. Step 2: Set up your loan.

    Once you're approved, choose your term and save time by signing documents online or in the mobile app.

  3. Step 3: Get your money.

    Funds are typically sent within 2 business days after all documents have been received and verified.

Apply now for a personal loan

You can refinance your USAA personal loan.

Why refinance your loan?

When you refinance a current USAA personal loan, you replace your loan with a new loan. You may be able to:

  • Get a better rate.
  • Reduce your payments.
  • Shorten or lengthen payoff time.See note2
  • Borrow additional cash.

How does it work?

You can apply online and give the same kind of details as you did for your current loan, such as income and contact info.

You can choose to refinance a current USAA loan with the option to add extra cash.

Once your new loan is set up, it automatically pays off the loan you refinanced. Next, you'll start making payments on your new loan.

Refinance my USAA loan

Personal loans frequently asked questions

Related advice on personal loans