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Auto loans with rates as low as §% APR

This rate includes a 0.25% discount for using optional automatic payments.‍ ‍ See note 1 Apply for a purchase or refinance loan today.

Apply now for an auto loan

Manage an approved loan

Loans to buy or refinance your car

Our loans apply to new, used and older vehicles.

Purchase loan

These loans work with dealerships, private sellers and lease buyouts. That includes financing for accessible cars specially equipped for people with disabilities. Apply today for an auto loan.

Refinance loan

Let us help you save money when you refinance your vehicle. You may be able to lower your payment by getting a better interest rate or changing the length of your loan.‍ ‍ See note 2

Estimate your payment.

Use the type of loan, car's model year, and length and amount of the loan to estimate your monthly payment.

We offer flexible payment options. Pay once a month, twice a month or every 2 weeks so it works with your payday.

Go to auto loan calculator to estimate your payment

Why choose us

We’ve been serving the military community since 1922.

0.25% automatic payment discount‍ ‍ See note 1

We’ll lower your interest rate when you set up automatic payments.

Terms up to 84 months‍ ‍ See note 1

We offer longer terms for new and used cars based on your credit.

Easy application

Your loan approval is good for 45 days, giving you time to find the right car.

No hidden fees

We don’t charge an application fee or any penalties for paying off your vehicle early.

Taking your car overseas‍ ‍ See note 3

Unlike some lenders, we usually let you take your car when you deploy, move or travel overseas.

An auto loan means you’ll also need the right insurance.‍ ‍ See note 4

Members who switched to USAA Auto Insurance saved an average of $725 a year.‍ ‍ See note 5

Learn about auto insurance

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Get behind the wheel with flexible financing.

Apply now for an auto loan

Manage an approved loan

Related footnotes:

  1. Investment and Insurance Products are: Not Insured by the FDIC or Any Federal Government Agency; Not a Deposit or Other Obligation of, or Guaranteed by, the Bank; and Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested.

Related footnotes:

  1. Displayed rates are our lowest Annual Percentage Rates (APR), available on 36 month terms, apply to dealer purchases and vehicle refinancing, and include a discount for optional automatic payments (0.25%). Rates and terms subject to change without notice. Rates vary based on approved credit and other factors, such as term, model year, loan amount, and loan purpose. Monthly payments vary based on APR for which borrower is approved, term for which vehicle is financed, and amount borrowed. Financing for 36 to 60 month terms require a financed amount of $5,000 or greater and approved credit. Financing for 72 month terms requires financed amount of $15,000 or greater and approved credit. Financing for 84 month terms is available on new auto loans (Current year plus or minus one model year) and used auto loans (Models two or more years old) and requires financed amount of $25,000 or greater and approved credit. Maximum loan amounts apply and are subject to change without notice.

    Payment Example: A 36 month auto loan with an annual percentage rate (APR) of 6.40% would have monthly payments of $30.60 per one thousand dollars borrowed.

    Signing up for an Automatic Payment Plan is optional.

  2. While refinancing your current loan could result in a reduced rate and/or payment, choosing an extended term may cost you more in the long run.  If you are currently receiving Servicemembers Civil Relief Act (SCRA) benefits or protections, your refinanced loan may no longer be eligible for benefits or the associated protections.

  3. Restrictions apply. Subject to approval.

  4. Obtaining insurance from USAA is optional, and has no effect on any credit applications or terms of credit with USAA Federal Savings Bank, and can be acquired from other sources.

  5. Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

  3. "USAA Bank" means USAA Federal Savings Bank.

  4. Bank products offered by USAA Federal Savings Bank, Member FDIC. Credit card, mortgage and other lending products not FDIC-insured.

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