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Personal loans for the money you need

Find fixed rates as low as §% Annual Percentage Rate (APR) and a flexible term that works for you.‍ ‍ Plus, you won’t pay any application or early repayment fees.

Apply now for a personal loan

Manage an approved loan

What you get

0.25% automatic payment discount‍ ‍

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

Terms up to 84 months‍ ‍

We offer longer terms depending on how much you borrow.

Easy application process

We'll give you a decision on your full application in seconds in most cases when you apply online.

No hidden fees

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

Convenient ways to use your personal loan

Pay for anything, except college or other higher education costs.

Manage debt

Pay off higher-interest loans and credit cards.

Make home improvements

Remodel the kitchen, get new floors or put in a pool.

Cover other expenses

Set up a nursery, pay for car repairs, or buy an ATV or JetSki®.

Need to refinance a personal loan?

When you refinance a USAA Bank personal loan, you replace it with a new one. You may be able to:

  • Get a better rate.
  • Lower your payments.
  • Borrow more cash.
  • Shorten or extend the payoff time.‍ ‍
Refinance my personal loan

Estimate your payment.

Use a loan amount and term to find out how much you might pay.

Go to personal loan calculator

Related personal loan resources

Your guide to applying for a personal loan

Article: 6 minutes

Read article: Your guide to applying for a personal loan

How do personal loans work?

Article: 5 minutes

Read article: How do personal loans work?

Should I use a personal loan to pay off debt?

Article: 9 minutes

Read article: Should I use a personal loan to pay off debt?

Get the cash you need, when you need it.

Apply now for a personal loan

Manage an approved loan

Related footnotes:

  1. Displayed rates are our lowest Annual Percentage Rates (APR) available on 36 month terms and includes a discount for optional automatic payments (0.25%). Rates subject to change without notice, and vary based on approved credit and other factors such as term and loan amount. Monthly payments vary based on APR for which borrower is approved and amount borrowed. Loan repayment terms range from 12 months to 84 months. Financing for 12 to 36-month terms requires financed amount of $2,500 or greater and approved credit. Financing for 48-month terms requires financed amount of $5,000 or greater and approved credit. Financing for 60-month terms requires financed amount of $10,000 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 $20,000 or greater and approved credit. Applications for loan terms longer than 60 months must meet higher credit and risk standards than applications for loan terms up to 60 months. Minimum loan amounts of $2,500 and maximum loan amounts of $100,000 apply and are subject to change without notice.

    Personal Loan Payment Example: A 36-month new personal loan with a 14.30% fixed APR would have monthly payments of $34.32 per one thousand dollars borrowed.

  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.

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. Loan decisions may take into consideration an applicant’s banking relationship with USAA.

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

  4. Bank products offered by USAA Federal Savings Bank.

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