Prequalify quickly with a soft credit check and get military-focused rates and payment estimates tailored to your service status.
Use USAA’s calculators and car-buying tools to compare monthly payments, down payment scenarios, and refinancing options.
Get preapproval before you shop — USAA works with trusted dealers and offers special benefits for PCS moves and deployed members.
Finance with a company that serves the military community — eligibility perks, flexible due dates, and bundling discounts with USAA auto insurance.
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What Is the USAA Prequalification Tool?+
A soft-pull estimate that shows likely loan rates and monthly payments without affecting your credit score.
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Can I Apply While Deployed?+
Yes — USAA supports online applications and e-signatures for active duty personnel overseas.
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Does USAA Finance Lease Buyouts?+
Yes — USAA offers competitive lease buyout loans to help you keep the vehicle at lease end.
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How Can I Get the Best Rate?+
Maintain a strong credit profile, bundle USAA insurance, use autopay, and consider a larger down payment.
Owning a reliable car is essential for service members who move frequently or live on base. USAA Auto Loans provides financing solutions tailored to the unique needs of military life — offering low rates, flexible terms, and dedicated member support. With over 100 years of service to the military community, USAA combines trusted banking with modern, mobile-first convenience.
Why Choose USAA Auto Loans?
- Exclusive military rates: APRs starting as low as 5.24% for qualified members.
- Fast preapproval: Get an estimated rate and monthly payment before visiting a dealership.
- Flexible loan terms: Finance for new, used, or refinance options with terms from 36 to 84 months.
- Dedicated support: Expert representatives familiar with PCS moves, deployments, and variable income situations.
- Bundled benefits: Save more by combining USAA auto loans with USAA auto insurance.
Types of Auto Loans Offered
- New Car Loans: Competitive rates for vehicles purchased from dealerships or manufacturers.
- Used Car Loans: Affordable financing for vehicles up to 10 years old or 100,000 miles.
- Refinance Loans: Lower your monthly payment or interest rate with simple online refinancing.
- Lease Buyout Loans: Buy your leased car at the end of term with favorable USAA terms.
Example Loan Simulation
| Vehicle | Price | Down Payment | Term | APR | Monthly Payment |
|---|---|---|---|---|---|
| 2023 Ford Escape | $30,000 | 10% | 60 months | 5.24% | ≈ $511/month |
(Example for illustration only. Actual rate depends on credit profile, service status, and location.)
USAA vs Competitors
| Feature | USAA Auto Loans | Navy Federal CU | Chase Auto |
|---|---|---|---|
| APR (Starting) | From 5.24% | From 5.49% | From 4.99% |
| Minimum Credit Score | 620 | 600 | 660 |
| Military Benefits | ✅ Dedicated support | ✅ Military focus | ⚪ General market |
| Terms | Up to 84 mo | Up to 96 mo | Up to 84 mo |
| Refinancing | ✅ Yes | ✅ Yes | ✅ Yes |
USAA stands out for its understanding of military financial needs — from flexible due dates to simplified documentation for deployed members. It’s more than a loan — it’s financing built around your mission and your family.
Want to know how to qualify faster or get approved while deployed? → See the next page for insider strategies and real approval examples.
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