Personal Loans

Personal loan rates as low as 10.34% APR^{See note1}

With no application or early repayment fees, a USAA Bank personal loan is a good alternative to using a higher interest credit card. We offer loans from $1,000 to $100,000 with flexible terms.

Ways you can use your loan

You can use it for almost anything, except higher education expenses. Use your loan to pay off debt or medical bills, add a pool to your back yard, or buy an ATV or Jet Ski®.

Managing Debt

Make managing your bills easier when you pay off higher interest loans and credit cards.
Home Improvements

Remodeling or renovating your home can get expensive. Get money for upgrades or repairs quickly.
Planned and Unplanned Expenses

Whether you need to set up the nursery or pay a medical bill, we may be able to help.

Personal loan calculator

Just enter a loan amount and term to get a quick estimate of your monthly payment based on the best rate available.

Estimated APR and Monthly Payment

Annual Percentage Rate^{See note1}

Monthly Payment

Total Cost of Loan

Note: This calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. This information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. Rates vary based on approved credit and other factors.

Apply now for a personal loan

How to get a personal loan

Step 1: Apply online.

Tell us how much you want to borrow, plus details about your income, housing and employer. There's no fee to apply.
Step 2: Set up your loan.

Once you're approved, choose your term and save time by signing documents online or in the mobile app.
Step 3: Get your money.

Funds are typically sent within 2 business days after all documents have been received and verified.

Apply now for a personal loan

You can refinance your USAA Bank personal loan.

Why refinance your loan?

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

Get a better rate.
Reduce your payments.
Shorten or lengthen payoff time.^{See note2}
Borrow additional cash.

How does it work?

You can apply online and give the same kind of details as you did for your current loan, such as income and contact info.

You can choose to refinance a current USAA Bank personal loan with the option to add extra cash.

Once your new loan is set up, it automatically pays off the loan you refinanced. Next, you'll start making payments on your new loan.

Refinance my USAA Bank personal loan

Personal loans frequently asked questions

Expand all frequently asked questions

Will my credit get checked when I apply for a personal loan?

Do I have to pay a fee to apply or to pay off my personal loan early?

How fast can I get the money?

How can I use the money I get from a USAA Bank personal loan?

Related advice on personal loans

How do personal loans work?

Read article about how personal loans work
Should I use a personal loan to pay off debt?

Read article about if you should use a personal loan to pay off debt
Your guide to applying for a personal loan.

Read article about applying for a personal Loan

Note 1 Displayed rates are our lowest Annual Percentage Rates (APR) and include a discount for optional automatic payments (0.25%). Rates subject to change without notice, but will not exceed an 18.51% Annual Percentage Rate (APR), and vary based on approved credit and other factors, such as term and loan amount. Monthly payments vary based on APR for which borrower is approved and amount borrowed. Loan repayment terms range from 12 months to 84 months. Financing for 12 to 36-month terms requires financed amount of $1,000 or greater and approved credit. Financing for 48-month terms requires financed amount of $5,000 or greater and approved credit. Financing for 60-month terms requires financed amount of $10,000 or greater and approved credit. Financing for 72-month terms requires financed amount of $15,000 or greater and approved credit. Financing for 84-month terms requires financed amount of $20,000 or greater and approved credit. Applications for loan terms longer than 60 months must meet higher credit and risk standards than applications for loan terms up to 60 months. Minimum loan amounts of $1,000 and maximum loan amounts of $100,000 apply and are subject to change without notice.

Personal Loan Payment Example: A 36-month new personal loan with a 14.30% fixed APR would have monthly payments of $34.32 per one thousand dollars borrowed.

Note 2 Extending your loan term may lower your payments, but it can cost you more in the long run.

If you are currently receiving Servicemembers Civil Relief Act (SCRA) or state servicemember benefits or protections, your refinanced loan may no longer be eligible for benefits or the associated protections.

Displayed calculator is a self-help tool used to estimate the loan amount or monthly payment that fits your budget. This information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. Rates vary based on approved credit and other factors.

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Loan decisions may take into consideration an applicant's banking relationship with USAA.

"USAA Bank" means USAA Federal Savings Bank.

Bank products offered by USAA Federal Savings Bank.

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Personal Loan

Get quick access to the money you need.

Personal loan rates as low as 10.34% APR^{See note1}

Ways you can use your loan

Managing Debt

Home Improvements

Planned and Unplanned Expenses