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USAA Auto loans?

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CREDITSURFER
Frequent Contributor

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:

Term:

ARP:

Payment:

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
Message 1 of 8
7 REPLIES 7
SSGJPD
Established Member

Re: USAA Auto loans?

 

 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. 

Message 2 of 8
tryingforgoals
Valued Member

Re: USAA Auto loans?


Loan Amount: $12,000

Term:60

ARP:8.9

Payment:0

Down Payment:0

Your Credit Score When Approved: EQ 617

Capital One Secured Card (8/2020):$200 Capital One QuickSilver (1/2022):$900 Chime Credit Builder (9/2020) Capital One SavorOne Student (11/2021): $1,000.00
Starting Score:
TU:569(1/2021) EQ:529 (1/2021) EX:595 (1/2021)
Current Score: TU:626(02/2022)EQ:634(03/2022) EX:635 (03/2022)
Goal Score: TU & EQ: 700+
Message 3 of 8
GatorGuy
Valued Contributor

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%.

Message 4 of 8
avv7c0
Regular Contributor

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
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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.
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Fico Scores:
EQ - 811 (Feb '14)
TU - 829 (Mar '14)
EX - 814 (Mar '12) - Lender Pull
Message 5 of 8
PleasantlySurprised
New Contributor

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
Message 6 of 8
ezdoesit
Valued Contributor

Re: USAA Auto loans?

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

Message 7 of 8
GatorGuy
Valued Contributor

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.

Message 8 of 8
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