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Frequent Contributor
Posts: 304
Registered: ‎04-22-2013

USAA Auto loans?

So i just joined USAA full member and curious if others have aquired auto loans from them. Looking to buy either a new auto or certified pre-owned between AUG-SEPT.

Please post:

Loan Amount:




Down Payment:

Your Credit Score When Approved:


Im curious how good USAA to everyone.

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FICO EQ (670) 9/6, TUwalmart (725) 11/4, Discover FICO (725) 11/19, AMEX EX Pull (728) 11/29
GOAL: 750 with all
Established Member
Posts: 16
Registered: ‎05-21-2013

Re: USAA Auto loans?

[ Edited ]


 49K with 4.75% 

 Up tp 180 Months Selected 60 months 

No Down payment


Oh they pulled Equifax my FICO is was 720 wife is 730. 

Established Member
Posts: 23
Registered: ‎04-23-2013

Re: USAA Auto loans?

Loan Amount: $12,000




Down Payment:0

Your Credit Score When Approved: EQ 617

Capital One Journey Card(5/2012):$500 Discover It Student Card(4/2013):$500 NewEgg Preferred Account(5/2013):$2000

Starting Score: TU:632(4/20/13) EQ:516 (3/27/13)
Current Score: TU:676(5/20/13) EQ:617(SW Alert 5/9/13)
Goal Score: TU & EQ: 700+

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New Contributor
Posts: 351
Registered: ‎06-02-2013

Re: USAA Auto loans?

Was actually just approved on Fri. I'm looking to buy within the next month.


Loan Amount: 80k

Term: 84 months

ARP: 3.29%

Credit Score : 750


I think I also have the option of a 72 month loan with a lower interest rate around 2.75%.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Regular Contributor
Posts: 189
Registered: ‎01-18-2011

Re: USAA Auto loans?

Loan Amount: $50,000
Term: 72 months
APR: 2.25%
Payment: $345 every 2 weeks (includes GAP)
Down Payment: $0 required, might still put down
Your Credit Score When Approved: 815
Also had my wife apply at the same time, as we are working on rebuilding her credit. Same loan as above, she was approved at 3.45% with a score of 721.

This is my 2nd USAA loan, with about $5,000 left on that car out of $18,000. That didn't seem to impact the approval negatively. I do banking, checking and auto insurance through them as well. No complaints in about 15 years, they take good care of me.
Fico Scores:
EQ - 811 (Feb '14)
TU - 829 (Mar '14)
EX - 814 (Mar '12) - Lender Pull
New Contributor
Posts: 66
Registered: ‎04-21-2013

Re: USAA Auto loans?

I just got my loan through USAA two weeks ago for a used SUV.


Loan Amount: $19,000

Term: 60 months

ARP: 2.24% (would have been 1.99%, but I declined setting up automatic payments)

Credit Score When Approved: 767


The dealership I bought from didn't even try to beat the rate.


I love USAA!  I just recently joined with them as a full member.  Now I have insurance, a car loan and a World Mastercard with them.  I'm also plan on opening a checking account with them in the next couple days.  Their customer service is amazing!!  

USAA World MasterCard $10K | USAA AmEx $9.5K | USAA Platinum Visa $8K | NFCU Cash Rewards Visa Signature $13K | NFCU Platinum MasterCard $1K | Citi Diamond Preferred MasterCard $10K | Chase Sapphire Visa Signature $5K | Bank Americard Cash Rewards Visa Signature $5K | Discover IT $4.5K | Wells Fargo Rewards Visa $3K | Capital One Platinum Visa $1K | First Premier Bank MasterCard $450 | Victoria’s Secret $1K
Valued Contributor
Posts: 1,121
Registered: ‎03-16-2013

Re: USAA Auto loans?

How did you guys know your score at approval?  Did USAA give it to you or was it from here?

New Contributor
Posts: 351
Registered: ‎06-02-2013

Re: USAA Auto loans?

ezdoesit wrote:

How did you guys know your score at approval?  Did USAA give it to you or was it from here?

I pulled my score before I applied so I would know but USAA actually gave me a report with my score on it which was higher than what I had before I applied.

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800

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