Why should I refinance my car?
Refinancing your auto loan could help you lower your monthly payment by providing a better interest rate or changing the length of your loan.See note1 We put you in the driver's seat, so you can choose the best options for your budget.
Check out our auto loan refinance rates.
Once you're approved, your loan offer is good for 45 days, giving you time to make sure this is the right move for your finances.
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New Car Loan
As low as
5.09 %A P R
on a 36-month termSee note2
- Available for 2023 or newer models
- Terms from 36 to 84 monthsSee note2
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Used Car Loan
As low as
6.04 %A P R
on a 36-month termSee note2
- Available for 2017 to 2022 models
- Terms from 36 to 84 monthsSee note2
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Older Car Loan
As low as
7.54 %A P R
on a 36-month termSee note2
- Available for 2016 and older models
- Terms from 36 to 72 monthsSee note2
All listed rates include a 0.25% discount for using automatic payments.See note2
Car loan calculator
Estimate a monthly payment based on the reason for the loan, the car's model year, and the length and amount of the loan.
Why choose us for your vehicle refinance loan?
Our application is simple with no hidden fees, and you'll get your loan decision in minutes. Here are some other benefits of refinancing your auto loan with USAA.
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No age or mileage restrictions
It doesn't matter how old the car is or how many miles it has. You may still qualify.
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Flexible payment options
Set up automatic payments and save 0.25% on your loan.See note2 You can pay once a month, twice a month or every two weeks — whatever works best for you.
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Terms up to 84 monthsSee note2
We offer longer terms, up to seven years, for new and used cars depending on how much you borrow.
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Take your car overseas
Unlike some lenders, we usually let you take your car along when you deploy, move or travel overseas.See note3
How to refinance your car online
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Step 1: Apply online.
We'll need the model year and 10-day payoff amount, plus details about your income, housing and employer. It's free to apply.
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Step 2: Set up your loan.
Choose your term and provide the details of your vehicle and current lender.
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Step 3: Sign your documents.
Sign everything online, and we'll send money directly to the original lender. You won't pay any closing fees.