USAA
USAA Bank — auto refinance for military, veterans, and eligible family members.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means USAA does not publish this on their public site. "No restriction" means USAA explicitly states no limit.
Overview
USAA Bank offers auto refinance to its membership of military, veterans, and eligible family members. Their public refinance page advertises an 'as low as' APR with a 0.25% discount for automatic payments, terms up to 84 months, and explicitly states no vehicle age or mileage restrictions.…
What’s great
- No vehicle age or mileage restrictions
- Terms up to 84 months
- 0.25% interest-rate discount when you set up automatic payments
- Approval valid for 45 days, giving time to choose a vehicle
What to know
- Membership restricted to current and former military, eligible family members, and certain government personnel
- USAA does not publish a numeric APR floor, full refinance APR range, FICO floor, or loan-amount range
- If you have SCRA benefits, refinancing may forfeit those protections on the new loan
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | Not disclosed |
| Maximum vehicle age | No restriction |
| Maximum mileage | No restriction |
| Loan amount range | Not disclosed |
| Term length | Up to 84 months |
| States served | Not disclosed |
| Membership requirement | Active military, veterans, eligible family members, and certain government personnel |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from USAA's own published materials. Rates, eligibility, and terms can change — verify directly with USAA before applying.
- [1]USAA Auto Loan Refinance — 'as low as 4.49% APR' (incl. 0.25% AutoPay), 'no age or mileage restrictions', terms up to 84 months, 45-day approval validity, flexible payment cadence, SCRA disclosure — USAA Bankhttps://www.usaa.com/banking/loans/auto/refinance/Last checked: October 2026