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USAA auto loan rates compared

Independent comparison. JustAutoRates is not affiliated with USAA. To apply, visit usaa.com.

Nationwide · Headquarters Texas

U.S. military members, veterans, and eligible family members

Rate page on usaa.com

Tagged rates need something extra, like autopay or a specific dealer. Untagged rates are the lender's standard rate.

The published figure may include an autopay, direct-deposit, or relationship discount.

NewNew car rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

4.49%New36 months

NationwideChecked Nov 11, 2026

What the lender published

Published for 36-month terms; applies to dealer purchases. Includes a 0.25% discount for optional automatic payments. Lowest APR as low as; checked 11/11/2026.

Checked Nov 11, 2026Source usaa.com

Calculate payment at 4.49% from USAAVisit lender ↗

RefiRefinance rates · 1 rate

As low asAutopayAutopay: The published rate assumes automatic payments (autopay).Military & familiesMilitary & families: Eligibility limit: only open to military and families. Other borrowers can’t get this rate.

4.49%Refi36 months

NationwideChecked Nov 11, 2026

What the lender published

Published for 36-month terms; applies to vehicle refinancing. Includes a 0.25% discount for optional automatic payments. Lowest APR as low as; checked 11/11/2026.

Checked Nov 11, 2026Source usaa.com

Calculate payment at 4.49% from USAAVisit lender ↗