USAA Auto Loans Question??

[Anonymous]

I would like to know what is the lowest score you can have to get an auto loan with USAA? I have already applied with Prestige and hope to hear something tomorrow or the next day. Just trying to find the best places to apply with. Ive been reading a lot of things here so any recommendations on who to apply with for an auto loan appreciated. Thanks

[Momof5]

Don't bother with USAA with those scores.  I have heard that you need at least 640.  BTW, they still use EQ04.  I know this because they said my appvl score for a CC was 664 when my FICO08 was a 703.  I also was "preselected for a new car loan at 6.79% which is the "credit profile needs improvement" section. 

[Anonymous]

We also applied to Prestige and got an email back saying they may have a program for us so now i have to submit our pay stubs and thats it. i am a little skeptical though after reading all the negative reviews on consumer affairs.com website.

They have a D rating with the BBB and in some of the reviews I read, people that were approved after 3 weeks some were told they had to return there cars to the dealer because of a finance issue. They just seem a little shady for me to feel comfortable using them. They already pulled our credit so we now have another ding. Hoping someone will approve us within 30 days so we don't lose a ton of points on our credit score. If you do go through with Prestige, let me know how it goes.