![]() ![]() Like USAA, it offers auto loans up to 84 months. PenFed works with current and former military members in addition to their families - although anyone can qualify for membership. Not only do both get better customer reviews than USAA, they also offer more competitive loan terms for more people. PenFed and Carvana are two solid alternatives to USAA. Customers on its BBB and Trustpilot pages frequently state problems with their accounts, making payments and customer service. On the Consumer Financial Protection Bureau website, the majority of borrowers’ complaints have to do with managing the loan and making payments. In addition, USAA has received multiple complaints about its auto loans since 2018. It also lost half a letter grade from the Better Business Bureau (BBB) after facing multiple government actions from regulators for failing to honor stop payment requests from customers, resolve errors related to payment requests, wrongfully repossessing vehicles and failing to have an effective risk-management program to protect customer data. USAA gets mostly negative online reviews. USAA auto loan reviews and complaints BBB accreditedġ.24 out of 5 stars, based on 588 customer reviewsġ.3 out of 5 stars, based on 885 customer reviewsĤ.8 out of 5 stars, based on 1,318,329 customer reviewsĤ.5 out of 5 stars, based on 173,072 customer reviews For everyone else, it’s worth looking into other banks or online lenders that are more clear about requirements. Overall, USAA auto loans are a good choice if you already have an account and preapproval offers from other lenders to avoid multiple hits to your credit score. This makes it hard to compare it to other lenders when you’re shopping for a good deal. Worst of all, there’s no information on what vehicles qualify for a loan or what your credit needs to look like. And its maximum interest rates aren’t listed anywhere online. It’s one of the top banks and insurance companies in the country, which means you can trust that its loan process is secure.īut, unlike many of the car loans I’ve reviewed, USAA isn’t upfront about who is eligible for its products. Vehicles shown may have optional equipment at additional cost.USAA services military members and their families - and offers great auto loan rates to those who qualify for an account. Images shown may not necessarily represent the actual vehicle used to calculate the estimate. Your ZIP Code helps us calculate your payments and offers. Please see your local dealer for information regarding actual trade-in availability and value. NADAguides is not responsible for and does not guarantee the \"Net Trade-in\" information. The "Net Trade-in" is an estimate only and many factors that cannot be assessed without a physical inspection of the vehicle may affect actual value. To take advantage of rebates, incentives and/or financing offers you may be required to take new retail delivery from dealer stock by the expiration date noted. Not all incentives can be redeemed together. Incentives lists are examples of offers available at the time of posting and are subject to change. Incentive and finance offers shown may not be available to all customers. You may not be able to finance your vehicle at the rate provided. See your local dealer for details and actual available terms and conditions. ![]() However, you may not be able to finance your vehicle at this rate. ![]() The initial APR is provided for estimation purposes only and you may change it at any time. User APR Payment calculations are based an APR and term. ![]() The estimated monthly payment is based upon the credit rating of 800.Īn APR is the cost of your credit as a yearly rate. Pricing and terms of any finance or lease transaction will be agreed upon by you and your dealer. See your local dealer for actual pricing, annual percentage rate (APR), monthly payment and other terms and special offers. Many variables, including current market conditions, your credit history and down payment will affect your monthly payment and other terms. The price shown is for qualified, eligible customers. Terms may vary based on creditworthiness. Not all terms are available in all areas. Option pricing is based on the manufacturer's suggested retail price.įor purposes of calculating your monthly payment, the estimated Manufacturer’s Suggested Retail Price (MSRP) was used. Pricing shown may exclude a document fee, destination/delivery charge, taxes, title, registration, service contracts, insurance or any outstanding prior credit balances. Consult your dealer for actual price, payments, and complete details. Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. This tool provides estimated monthly payments and estimated APRs for illustrative purposes only. ![]()
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