Car Loans and Auto Financing with Great Rates

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Your Loan Offer is Good for 45 Days

We give you time to find the best deal for the car you want.

New Car Loan

As Low As 2.89% % APR When enrolled in automatic payments and purchased with Car Buying Service for 2018 or Newer Models^{See note2}

How much do I qualify for?^{See note1}

Used Car Loan

As Low As 3.24% % APR When enrolled in automatic payments and purchased with Car Buying Service for 2017 or Older Models^{See note2}

How much do I qualify for?^{See note1}

Terms up to 84 months are available on new car loans.^{See note2}

Rates vary based on approved credit and other factors

Need to refinance? We can help you save.

USAA Auto Loan Calculator

Calculate Your Car Loan

USAA Car Buying Service

Get help finding your new car and save an average of $3,537 off MSRP.^{See note3}

Find Your Dream Car with USAA Car Buying Service.

Get an Auto Loan in 3 Easy Steps

Step 1

Apply Online

Get a decision quickly.

Step 2

E-sign Your Loan

Save on time and paper.

Step 3

Get a Loan Check

You're all set to take it to the dealer.

Why Choose USAA?

Get these member benefits when you get an auto loan with USAA Bank.

Your Loan Offer is Good for 45 Days

Find out your rate and term options.
Pay No Application Fees

It doesn't cost anything to see how much you qualify for.

No Hidden Closing Cost

We don't hide any fees, so you know exactly how much you'll pay.

Lease Buyout

If you like your leased vehicle, we can help you buy it.

Specialized Disabled Vehicle Loans

Call us to find out about loans for vehicles equipped for the disabled.

No Prepayment Penalty

We never penalize you for paying off your loan early.

Buy From a Private Seller

Get a loan to buy from a private seller.

Competitive Rates

We work with you to help you save.

Buy With Confidence

Our process saves you time and money before you go to the dealer.

Fast Credit Decisions

Our simple application only takes a few minutes.

Apply on Your Phone

You can do it all using your mobile device, even if you're already at the dealer.

Flexible Terms

Get terms up to 84 months and no payments for 60 days.^{See note4}

Trust in USAA

We offer payment deferment in case of a natural disaster.

Loan Discounts

Get a lower rate by using our Car Buying Service and automatic payments.

Note 1 This is not a pre-qualification. In order to see if you qualify, you must submit an auto loan application.

Note 2 Displayed rates are our lowest Annual Percentage Rates (APR), available on terms up to 60 months, apply to dealer purchases and vehicle refinancing, and include a discount for automatic payments (0.25%) and for purchasing through the USAA Car Buying Service (0.50%). Rates subject to change without notice and vary based on approved credit and other factors, such as term, model year, collateral value, and loan amount. Monthly payments vary based on APR for which borrower is approved, term for which vehicle is financed, and amount borrowed. Financing for 12 – 60-month terms requires 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 requires financed amount of $25,000 or greater and approved credit.

To qualify for the loan discount offer, the USAA Car Buying Service savings certificate that you use must be no greater than 90 days old, and you must fund the purchase of a vehicle from the participating dealer listed on your savings certificate with a USAA Federal Savings Bank auto loan. The discount is 0.50% for new vehicles and 0.50% for used vehicles off of the approved interest rate for loan terms up to 72 months. Discount offer is subject to change without notice. Please refer to usaa.com/autoloanoffer to learn more about the discount offer and to check for dealers. Car Buying Service is only available in continental U.S., Alaska, Hawaii and D.C.

New Car (dealer) Payment Example: A 60-month new auto loan (model years 2018-2020) with an annual percentage rate (APR) of 6.40% would have monthly payments of $19.52 per one thousand dollars borrowed.

Used Car (dealer) Payment Example: A 60-month used auto loan (model years 2012-2017) with an annual percentage rate (APR) of 8.92% would have monthly payments of $20.72 per one thousand dollars borrowed.

Note 3 Between 01/01/2018 and 12/31/2018, the average estimated savings off MSRP presented by TrueCar Participating Dealers to users of the USAA Car Buying Service, based on users who configured vehicles and subsequently purchased a new vehicle of the same make and model listed on the offer from TrueCar Participating Dealers, was $3,537 , including applicable vehicle specific manufacturer incentives. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealers trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. Neither TrueCar nor USAA sells or leases motor vehicles.

Note 4 Finance charges will accrue during the deferral period.

Investments/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value

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.

USAA Car Buying Service provided by TrueCar, Inc. USAA Bank receives marketing fees in connection with the Car Buying Service.

Bank products provided by USAA Federal Savings Bank, Member FDIC.

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Car Loans

Get your rates quickly on new, used and refinanced loans.

Your Loan Offer is Good for 45 Days

New Car Loan

Used Car Loan

USAA Auto Loan Calculator

USAA Car Buying Service

Get an Auto Loan in 3 Easy Steps

Apply Online

E-sign Your Loan

Get a Loan Check

Why Choose USAA?

Your Loan Offer is Good for 45 Days

Pay No Application Fees

No Hidden Closing Cost

Lease Buyout

Specialized Disabled Vehicle Loans

No Prepayment Penalty

Buy From a Private Seller

Competitive Rates

Buy With Confidence

Fast Credit Decisions

Apply on Your Phone

Flexible Terms

Trust in USAA

Loan Discounts

Let us help you get your new set of wheels.