Our Rating: 91%


USAA Personal Loan Review

Loan Amount:
$2,500 - $5,000
Minimum Credit Score:
Not Specified
APRs From:
7.24% - 17.65%
Funding Speed:
Within 24 Hours

USAA Bank offers financial services to individuals affiliated with the United States military. The bank serves over 12.8 million members. Offering personal loans with competitive rates and fast funding, a USAA personal loan can be used for everything from home remodels to emergencies. In order to get a personal loan from USAA, you must be a member. To be a member you must have an active account at the bank, be a former military member or a member of their family or former members of the military.

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USAA Personal Loan Overview

A USAA personal loan can be used for debt consolidation, home improvements, vacations, and wedding expenses. In order to get a personal loan from USAA, you must be a member. In order to become a member, you must meet one of the following criteria.

Membership requirements:

  • All individuals in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, and Reserves.
  • Former military who have either retired or been honorably discharged.
  • Widows, widowers, and former spouses (who have not remarried) of USAA members who joined USAA prior to or during the marriage, and individuals whose parents joined USAA.
  • Cadets and midshipmen at U.S. service academies, in advanced ROTC or on ROTC scholarship, and offer candidates within 24 months of commissioning.

Features of USAA Personal Loans

  • Low rates and fees: No application fees, origination fees, or prepayment penalties.
  • Loan terms: range from 12 to 84 months, with annual percentage rates from 6.99% to 17.65% (which includes a 0.25% discount for automatic payments).
  • Credit Requirements: Borrowers must have excellent credit to qualify for its lowest rates or to get a loan with a repayment term that’s greater than 60 months.
  • Joint applications: The company does not allow co-signers on loans, but it does take joint applications in which both borrowers have access to the loan proceeds and are responsible for repaying the loan. Generally, having a co-applicant with a stronger credit profile can boost the odds of approval or get a lower rate.
  • Hard credit pull: Applicants should note that USAA does a hard credit pull on personal loan applications, which may result in a temporary hit to your credit score.
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USAA Maine Branch Locations

There are 0 USAA Branches in Maine.
The following is a list of all USAA Maine Branch Locations.