Check out our auto loan rates.

Our loans work with dealerships, private sellers and lease buyouts. Your loan approval is good for 45 days, so you can take time to find the best deal on the car you want.

  • New Car Loan

    As low as

    5.09 %Annual Percentage Rate

    on a 36-month termSee note1

    • Available for 2023 or newer models
    • Terms from 36 to 84 monthsSee note1
    • Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
  • Used Car Loan

    As low as

    6.04 %Annual Percentage Rate

    on a 36-month termSee note1

    • Available for 2017 to 2022 models
    • Terms from 36 to 84 monthsSee note1
    • Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
  • Older Car Loan

    As low as

    7.54 %Annual Percentage Rate

    on a 36-month termSee note1

    • Available for 2016 and older models
    • Terms from 36 to 72 monthsSee note1
    • Rate shown includes 0.25% discount for enrolling in automatic paymentsSee note1
Car loan rates Check out our lowest annual percentage rates, or Annual Percentage Rates.See note1 Our loans work with dealerships, private sellers and lease buyouts. Your loan approval is good for 45 days, so you can take time to find the best deal on the car you want. Scroll table sideways for additional info
Loan Type 36 MonthsSee note1 48 MonthsSee note1 60 MonthsSee note1 72 MonthsSee note1 84 MonthsSee note1
New Car – 2023 or Newer 5.09% 5.24% 5.34% 5.74% 6.84%
Used Car – 2016 to 2022 6.04% 6.19% 6.19% 6.29% 13.69%
Older Car – 2016 or Older 7.54% 7.79% 8.29% 8.94% Not available

Rates shown apply to dealer purchases and refinances only and include a 0.25% discount for enrolling in automatic payments.

Need to refinance your auto loan?

Keep your car. Trade in your loan. See if you can lower your payment by refinancing your auto loan.See note2

Auto loan calculator

Estimate a monthly payment based on the type of loan, the car's model year, and the length and amount of the loan.

Why choose us for your auto loan?

Our auto loans are meant to be flexible and meet the needs of all our members, including current military and veterans. That's why we help make it easy and don't charge an application fee or a prepayment penalty.

  • Terms up to 84 monthsSee note1

    We offer longer terms, up to seven years, for new and used cars depending on how much you borrow.

  • Flexible payment options

    Pay once a month, twice a month or every two weeks so it works with your payday.

  • Payment relief after a natural disaster

    We have options that may let you put your car payments on hold if you're affected by a natural disaster.

  • Taking your car overseas

    Unlike some lenders, we usually let you take your car along when you deploy, move or travel overseas.See note3

  • Loans for accessible vehicles

    We offer financing for vehicles specially equipped for people with disabilities.

Auto financing made easy

  1. 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.

  2. 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.

  3. Step 3: Use the loan.

    We'll help you get the money where it needs to go.

Find auto insurance you can count on.See note4

Members who switched to USAA Auto Insurance saved an average of $725 a year.See note5

Learn about auto insurance

Auto loan  Frequently Asked Questions

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