Check out our car loan rates
Our loans work with dealerships, private sellers and lease buyouts. Your loan approval is good for 45 days, so you can take time to find the best deal on the car you want.
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New Car Loan
As low as
5.99 %A P R
on a 36-month termSee note1
- Available for 2023 or newer models
- Terms from 36 to 84 monthsSee note1
- Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
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Used Car Loan
As low as
6.09 %A P R
on a 36-month termSee note1
- Available for 2017 to 2022 models
- Terms from 36 to 84 monthsSee note1
- Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
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Older Car Loan
As low as
9.34 %A P R
on a 36-month termSee note1
- Available for 2016 and older models
- Terms from 36 to 72 monthsSee note1
- Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
Need to refinance?
Keep your car. Trade in your loan. See if you can lower your payment by refinancing your auto loan.See note2
Car loan calculator
Estimate a monthly payment based on the type of loan, the car's model year, and the length and amount of the loan.
Why choose us for your car loan?
Our car loans are meant to be flexible and meet the needs of all our members, including current military and veterans. That's why we help make it easy and don't charge an application fee or a prepayment penalty.
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Terms up to 84 monthsSee note1
We offer longer terms, up to seven years, for new and used cars depending on how much you borrow.
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Flexible payment options
Pay once a month, twice a month or every two weeks so it works with your payday.
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Payment relief after a natural disaster
We have options that may let you put your car payments on hold if you're affected by a natural disaster.
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Taking your car overseas
Unlike some lenders, we usually let you take your car along when you deploy, move or travel overseas.See note3
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Loans for adapted vehicles
We offer financing for vehicles specially equipped for people with disabilities.
Auto loans made easy
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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.
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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.
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Step 3: Use the loan.
We'll help you get the money where it needs to go.
Find auto insurance you can count on.See note4
Members who switched to USAA Auto Insurance saved an average of $725 a year.See note5
Auto loan Frequently Asked Questions
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