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USAA Auto Refinance Review


ConsumersAdvocate.org Rating: 3.5 / 5 (Very good)
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USAA Auto Loans is a Texas-based lender servicing the present and former members of the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard and Reserves, as well as their family members. They bring military discipline methods and values, providing a variety of financing options, including insurance, loans, investing, and real estate.
 
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How is USAA Auto Refinance rated?

Breakdown

3.5/5
Loan Details
3.5/5
Customer Experience

Overall Rating: 3.5 / 5 (Very good)

USAA Auto Loans is an excellent choice for customers who either are or were themselves members of a branch of the military, or a member of said's extended family. Benefits can be great, with low rates, no hidden fees, a streamlined process, and an overarching commitment to service. If customers find a better deal right after making their purchase, USAA will even go so far as to refund the difference.

Auto Loans & Refinancing

Loan Details - 3.5 / 5

USAA delivers on their promise to provide auto loans with low rates, with APRs beginning at just 2.49%, for purchases with their USAA Car Buying Service savings certificate, with automatic payments. In order to receive the lowest rate, vehicles must be financed for $15,000 or greater both on used car loans or 72-month new car loans.

Types of Loans Offered

Purchase Loans
Refinance Loans
Lease Buyout
Private Party Purchase

Purchase Loans

Min. APR
2.49%

Loan Refinancing

Min. APR
2.99%

Loan Qualifications

Qualification - 3.5 / 5

USAA Auto Loans issues loans to virtually every type of customer, from those with excellent credit to those that may need improvement. As this is a financial institution created by the military to benefit the military and their families, prospective borrowers must be able to either meet this requirement themselves, or have a family connection who does.

Borrower Qualifications

Minimum Age
Must be 18 or older
Verification / Documents Required
Social Security Number
Proof of Citizenship / Residence

Application & Service

Customer Experience - 3.5 / 5

Applying for a loan with USAA is simple and quick, generally taking five minutes or less. In most cases, customers can get their decision instantly, e-sign their approved loan, and then print their loan check. Though they don't specify their approval or funding times, USAA does mention that there are no hidden closing costs.
Benefits/ Features
Online Rates / Application
Deferred Payments
Auto Loan Calculator

USAA Auto Refinance Reputation & Reviews

Reputation - 3.5 / 5

USAA Auto Loans enjoys an excellent A+ rating with the Better Business Bureau, based on 21 positive reviews, 4 neutral ones, and 240 negative. On the other hand, their TrustPilot score of 3.8 is poor, based on 17 reviews. Though most complaints center around customer service, conversely, many of the most glowing reviews focus on exactly that.
Trustpilot Rating
3.8 out of 5
BBB Rating
A+
Number of BBB Positive Reviews
21
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
240
Date Collected
2017-12-28

Contact & Additional Information

Lender Type
Lender
Homepage URL
https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true
Company Phone
(210) 531-8722
Headquarters Address
9800 Fredericksburg Road, San Antonio, TX, 78288
Year Founded
1922

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Customer Comments & Reviews

Loading Reviews ...
L
Lee
8/10/2018
Their auto loan department provides poor service. 40 days after paying off my loan and I still don't have my vehicle title. Instead, they'll send me a payoff letter within a week so I can run 3 counties over where the lein was to pay an additonal $15 to get a new title. Pretty sad....

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