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USAA personal loans: APR, fees and requirements
What USAA publishes about its personal loans (from 9.99% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Bank
APR range
From 9.99%
Loan amounts
$2,500 to $100,000
Repayment terms
12 to 84 months
Origination fee
Varies; check the lender's rates and terms
Minimum credit score
Not published
Availability
Minimum financed amount by term: 12-36 months $2,500; 48 months $5,000; 60 months $10,000; 72 months $15,000; 84 months $20,000. Terms over 60 months require higher credit and risk standards. Not for college/higher-education costs.
How the lender states its rates: “Find fixed rates as low as 9.99% Annual Percentage Rate (APR) ... Displayed rates are our lowest Annual Percentage Rates (APR) available on 36 month terms and includes a discount for optional automatic payments (0.25%).”
How the starting rate compares
The lowest advertised APR, 9.99%, ranks 26 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.