Valued Member
Posts: 39
Registered: ‎09-28-2007

USAA pre-approval auto loan


I just checked "My Offers" on my USAA online account and it shows that I have a pre-approval for an auto loan of up to $50,000 with 4.29% interest. Does anyone know if this means that I am automatically approved or will I have to apply and get hit with inquiries and possibly not be approved?

Thanks for the help guys!! :smileyvery-happy:

Epic Contributor
Posts: 23,287
Registered: ‎10-23-2007

Re: USAA pre-approval auto loan

Your Approved from what I have read but you usually don't end up with the full 50k to shop, once you apply they will give you the highest you qualify for.

Fico Scores: EQ- 668 DCU., TU 704 Best Buy, EX 700 Chase (2/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Member
Posts: 39
Registered: ‎09-28-2007

o you Re: USAA pre-approval auto loan

Thanks for the reply, Creditaddict! I don't mind not getting the full $50k! I can't afford a $50k car anyway!

Do you know if they will hard or soft me?

New Member
Posts: 1
Registered: ‎01-06-2010

Re: o you Re: USAA pre-approval auto loan

They will do a hard hit for the actual application. Your pre-approval was most likely granted from a soft hit.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.