Personal Loans

Find fixed rates as low as §% APR and a flexible term that works for you.‍ ‍^{See note 1} Plus, you won’t pay any application or early repayment fees.

Apply now for a personal loan Manage an approved loan

Ways to use your personal loan

Pay for anything, except college or other higher education costs.

Manage debt

Pay off higher-interest loans and credit cards.

Make home improvements

Remodel the kitchen, get new floors or put in a pool.

Cover other expenses

Set up a nursery, pay for car repairs, or buy an ATV or JetSki®.

Estimate your payment and rate.

Use a loan amount and term to find out how much you might pay.

Go to personal loan calculator

Why choose us

USAA has served the military community since 1922. We stay ready to help meet your needs.

0.25% automatic payment discount‍ ‍‍ ‍^{See note 1}

We’ll lower your interest rate when you set up automatic payments.

Terms up to 84 months‍ ‍‍ ‍^{See note 1}

We offer longer terms depending on how much you borrow.

Easy application process

We’ll give you an instant decision in most cases when you apply online.

No hidden fees

We don’t charge an application fee or any penalties for paying off a loan early.

Need to refinance a personal loan?

When you refinance a USAA Bank personal loan, you replace it with a new one. You may be able to:

Get a better rate.
Lower your payments.
Borrow more cash.
Shorten or extend the payoff time.‍ ‍^{See note 2}

Refinance my personal loan

Related personal loan resources

Your guide to applying for a personal loan

Article: 6 minutes

Read article: Your guide to applying for a personal loan

How do personal loans work?

Article: 5 minutes

Read article: How do personal loans work?

Should I use a personal loan to pay off debt?

Article: 9 minutes

Read article: Should I use a personal loan to pay off debt?

Get the cash you need, when you need it.