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Auto loans with rates as low as §% APR

This rate includes a 0.25% discount for using optional automatic payments.‍ ‍ See note 1 Apply for a purchase or refinance loan today.

Loans to buy or refinance your car

Our loans apply to new, used and older vehicles.

Purchase loan

These loans work with dealerships, private sellers and lease buyouts. That includes financing for accessible cars specially equipped for people with disabilities. Apply today for an auto loan.

Refinance loan

Let us help you save money when you refinance your vehicle. You may be able to lower your payment by getting a better interest rate or changing the length of your loan.‍ ‍ See note 2

Estimate your payment.

Use the type of loan, car's model year, and length and amount of the loan to estimate your monthly payment.

We offer flexible payment options. Pay once a month, twice a month or every 2 weeks so it works with your payday.

Why choose us

We’ve been serving the military community since 1922.

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 for new and used cars based on your credit.

Easy application

Your loan approval is good for 45 days, giving you time to find the right car.

No hidden fees

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

Taking your car overseas‍ ‍‍ ‍ See note 3

Unlike some lenders, we usually let you take your car when you deploy, move or travel overseas.

An auto loan means you’ll also need the right insurance.‍ ‍‍ ‍ See note 4

Members who switched to USAA Auto Insurance saved an average of $725 a year.‍ ‍ See note 5

Get behind the wheel with flexible financing.