what credit bureau does usaa use for auto loans

By law you are entitled to a full credit report from the three major credit bureaus once a year for free. I started with like a 660 when I got a 7K CL with their Amex. I have $60k in whole life surrender value. New and old cars, as well as motorbikes, boats, power sports, and recreational vehicles, are all available for financing via USAA (RVs). To qualify for a loan, youll need to be a member of the military, have good credit, and meet other eligibility requirements. That's why paying bills and loan payments on time can be a good way to increase your credit score. There is a small number of insurers that dont use credit history to set rates. Auto lenders will most likely look at your recent credit history, information about bankruptcy, previous auto loans, and late payments. Worry not. USAA offers auto loans with competitive rates and terms. USAA offers rates as low as 2.89% APR for new cars and 3.19% APR for used cars. Were committed to making the trip to the dealer an easy one. Some additional tips to improve your FICO score include asking for a debt consolidation loan to settle your credit card debt, but this should be viewed as a last resort measure. Read Also: Navy Federal Credit Score For Auto Loan. 1 What Credit Bureau Does USAA Use? When it comes to insurance, having the right amount of liability coverage is vital. If you have excellent credit, you're likely to get the lowest rates, while people with less-than-fair credit are likely to get the maximum, according to USAA's rate estimator. Bank of America did cancel two cards. [Answered 2022]- Droidrant, Electrolux 6kg Vented Sensor Clothes Dryer. USAA's interest rates start a little bit higher than those of many . You must be 18 or older than the governments minimum age to be considered. Youll need to provide some basic information, including your name, address, Social Security number, and income. they mostly pull EQ, I recently re-applied after about 1.5 years from last time. A higher credit score will not only increase your chances of getting approved for a loan, but it will also help you get a lower interest rate. Suppose you subscribe to a service that monitors your credit. When considering a USAA auto loan, be sure to compare rates and terms from other lenders before making a decision. -Use a mix of credit products. Applying for pre-approval is a good way to increase your chances of getting approved for a USAA auto loan. This is generally considered to be good credit. Ill be receiving my card in about 8 days, decided not to have it overnighted. of money accessible to everyone. Bank of America, Citibank, and American Express offer free FICO score status for their clients. After submitting your application, USAA will look into it and take a decision. I had tried to . This will help you build positive credit and avoid late fees. When considering a USAA auto loan, be sure to compare rates and terms from other lenders before making a decision. Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type. Thank you. Wait for a decision. Grace Enfield, Content Writer. Equifax comes out on top, with Experian being the close second. 5 factors that influence your credit score Just curious how often peoples USAA credit cards report to the CRAs? USAA offers loans to members with a credit score of at least 640, but the rates are higher for those with lower scores. Longer loan terms will have lower monthly payments, but youll end up paying more in interest over the life of the loan. VantageScore versions 3.0 and 4.0 were also used by every most used credit reporting agency in auto loan checkups. We may be compensated if you click this ad. If you're looking for lenders that work with the military, both PenFed and USAA are top alternatives to Navy Federal. You'll also impact the amounts owed category, which accounts for 30% of your overall FICO credit score, as you'll owe 100% of the initial loan balance until payments begin. Terms range from one to seven years, depending on how much you borrow. But there is a science to timing and funding your settlements in the first, second, and later stage collections. Signup for our newsletter to get notified about sales and new products. Auto dealers and lenders may partner with the company to order credit reports from all three bureaus from a single source so if youve recently applied for an auto loan and see CREDCO on your reports, we may have just cracked the case. Do you mind sharing why they denied you for the unsecured version? USAA reports to the credit bureaus monthly, within days after the end of a cardholder's monthly billing period. Overall, for consumers who may be concerned about how an auto loan could affect their credit score, they need to first get their most recent credit report. Click through to the next article in the series at the bottom of each page. Equifax comes out on top, with Experian being the close second. I was approved instantly! independent review site dedicated to providing accurate information about various financial and Investments/Insurance: Not a Deposit Not FDIC Insured Not Bank Issued, Guaranteed or Underwritten May Lose Value. A higher credit score will not only increase your chances of getting approved for a loan, but it will also help you get a lower interest rate. Contrary to what a whole lot of humans suppose , a few pupil credit . 536 6162 Reichel Greens, Port Zackaryside, CT 22682-9804, Hobby: Scrapbooking, Hiking, Hunting, Kite flying, Blacksmithing, Video gaming, Foraging. 5. Repayment terms range between one and seven years, depending on the. PNC Bank PNC Auto Loans have a loan . If you're looking to take out an auto loan with USAA, be sure to check your . VantageScore was created jointly by Equifax, TransUnion, and Experian. Car financing and shopping have never been easier. The majority of my debt is with USAA. Is Getting a Vehicle Loan with USAA Difficult? Which credit bureau does usaa pull from in texas? In order to apply for a USAA auto loan, youll need to provide some basic information and documentation. Does anyone know what credit report does USAA pull? There are a variety of factors that can affect how a car loan will impact your credit. Just like a good payment history on an installment loan can increase a credit score over time, missing a payment or payments can have an impact as well, likely lowering your credit score. Apply with a co-applicant. Language, Interpretation, and Translation: A Clarification and Reference Checklist in Service of Health Literacy and Cultural Respect - National Academy of Medicine, How to Make Netflix Full Screen on TV? USAA unfortunately does not offer credit cards for people with bad credit, either. Luckily, there are ways to improve your FICO score. What Exactly Is a Credit Bureau, And How Does It Work? To get auto insurance, in almost every case, your credit will be checked. My service keeps getting worse and my bill keeps going up Currently, my yearly insurance is more than my cars total worth., Overpriced insurance with manipulative advertising. When subscribing to its premium-level service plans, USAA provides some unique benefits, including following: You May Like: Shopify Capital Eligibility Review Changed. If youre not sure whether youll be approved for a USAA auto loan, you can apply for pre-approval before shopping for a car. While these are not nearly as popular, its good to know about alternative credit scores. That allows insurers to match more expensive rates with drivers who will likely use their insurance more. 4. You can begin your USAA auto loan application process online or by calling 877-632-3003. 1. Focus on your FICO score and Auto Score to secure the best auto loan. Credit cards fall into the revolving account category. USAA not only gives its members access to the car buying service TRUECar, they also supply auto loans and auto insurance. You can get your credit report at www.annualcreditreport.com.See note1 While that credit report will not include your credit score, some credit card companies offer a free version of your credit score, but keep in mind there are numerous different credit scores, so the one you see may not be the same one used for underwriting new credit applications. Members and their dependents can apply for a USAA automobile loan or a USAA auto refinance. You don't want to pay extra fees just because you can repay the loan earlier than anticipated. I have not been sued yet, and I am trying to avoid this. Looking for an inexpensive way to bridge the gap created by missing teeth? The credit score is a mix of five key factors: payment history, amounts owed, new credit, mix of credit and length of credit history. I have about $75k of credit card debt from medical bills and other expenses with 2 kids in college. To get your full reports, head on over to the annual credit report site and click the Request your free credit reports button. USAA Bank provides personal loans that can be used for almost any purpose. Complete the loan process. Also, how do you freeze one? Dont Miss: Does Paypal Working Capital Report To Credit Bureaus. Get your rates quickly on new, used and refinanced loans. Find better elsewhere., Read Also: Credit Report With Itin Number, KnowYourCreditScore.net is a one-stop resource for everything you need to know to understand your credit score. Applying for an auto loan means lenders will check your credit report. The credit file used to create your FICO Score is continuously updated, and this FICO Score may not reflect the most current data on your credit file. To request a copy of your credit report, please visit: http://www.annualcreditreport.com. If youre on the borderline of being approved for a loan, choosing a less expensive car may increase your chances of getting the financing you need. 5 Small-Business Grants for Women-Owned Businesses: Get Access to Free Capital. USAA Auto Loan does not have a minimal annual income requirement and does not publicize it. USAA Auto Loan does not have or does not disclose a minimum annual income eligibility requirement. USAAs CSRs are generally good in my experience but the usual caveats with CSRs apply. Hasnt showed up on any alerts yet. No payments for up to 60 days Easy application process Only available to USAA members Borrowers cant prequalify As with many questions about credit scores, there's not a clear-cut yes or no answer. More Resources:Lower Your Mortgage Payments|How Long it Takes Before You Get Reverse Mortgage|Is It Possible to Sell Before Your Mortgage is Fully Paid|Can You Negotiate Your Mortgage Rate|Different Types of Reverse Mortgage|Architecture Style|Home Building Process|Designing The Perfect Family Home|Architecture Design Process|Tiny House Laws|Should You Invest in a Tiny House|The Cost of Building a Tiny House|Refinancing a Business Loan|Can a Loan be Deposited to Paypal?|House Plans|, Reviews: 86% of readers found this page helpful, Address: Apt. Was at EQ686 when I got approved for their Amex. With a longer loan term, you might have a lower monthly payment, but youll end up paying more interest in total. USAA does not control and is not responsible for the site content or the privacy or security practices of third parties. It's possible to get money quickly, however, usually within 24 hours after . Active-duty troops, veterans, and their families are eligible for auto loans through the United Services Automobile Association (USAA). Make a large down payment. Dont borrow more than you need to. With no minimal credit rating or income restrictions, USAA provides competitive starting rates. How Long it Takes Before You Get Reverse Mortgage, Is It Possible to Sell Before Your Mortgage is Fully Paid. Click below to see how a Credit Repair company can help! Do you need full coverage if you have a car loan. It may be the case that some see higher rates with USAA, though our cost data indicates this is not the case for most drivers. I highly recommend trying to knock as many of your settlements down as possible withing the first 12 months, and I often target settlements with some of your banks earlier than 6 months late. Minimum and maximum loan amounts apply and are subject to change without notice. Applying for a loan is straightforward and quick. You should be monitoring your FICO scores - specifically, your FICO Auto scores since you're interested in obtaining an Auto loan. Do a three-way phone call with the new lender and a USAA customer service rep at 1-800-531-8722, which allows the new lender to ask USAA all the questions necessary to pay off your existing loan. Its important to note that, while mortgage is a significant part of CoreLogic Credcos business, the companys data and consumer information services touch a number of other industries as well. If you have a spouse or other family member with good credit, adding them to your loan application may increase your chances of getting approved. The trademarks, logos and names of other companies, products and services are the property of their respective owners. When you join USAA, you become part of a family who stands by you during every stage of your life. Just call them. VantageScore is another credit scoring system. I love navy federal! A few customers felt that their premiums were especially high. You can then use this offer to shop for a car knowing how much youll be able to finance and what interest rate to expect. In conclusion, auto lenders use Equifax and Experian the most, while TransUnion is less used for auto loan credit checks, at least in some parts of the US. Asking yourself what credit reporting agency is used the most is only half of the question - credit scores are the other important half. Category Rating: 5/5. My Equifax is between 676 and 686, depending on which model they pull. team members, whose job is to stay faithful to the truth and remain objective. Knowing the difference between these two is very important. Inquired for a used car loan and quoted 9% Apr , looked into refinancing one car and was quoted 18% Apr . NCFU Flagship(80k) DC Elite (40k) Cash Sapphire Preferred(38k) DC Premier (30k) NFCU CashRewards (25k) USAA Amex (22k) USAA MasterCard (16k) Barclay Arrival+ Elite (15k) Nordstrom (15k) BofA Rewards (12.5k) 4 Amices (50k), Wallet: NFCU CashRewards 35k-- USAA AMEX 28k-- USAA World MC 22k-- Discover IT 17.5k--Chase Freedom 23.5k-- NFCU NavCheck 15k, Amex ED 25k | CSR 20k | AMEX Platinum | Chase Freedom 5k | Chase FU 7.3k | Chase Amazon Prime 4k | USAA Amex 14k |. Navy Federal, PenFed and USAA all have annual percentage rates (APRs) starting under 5% for borrowers with good to excellent credit. Based on an average of 417 customer reviews on the BBB's website, USAA only has a 1.5 star rating and 1,356 customer complaints logged in the past three years, with 446 complaints closed in the past 12 months. Fast funding: USAA offers a fully online process and says it will fund a loan within one business day after an application is approved. Applicants with a credit score of at least 560 and up to 850 may be eligible for USAA Auto Loan. But, if you are buying a car on your own, youve got your work cut out, as there is a lot of seemingly conflicting data out there. Make sure you can repay the loan before taking out another one. Applying for too many loans or credit cards can hurt your score. (inactive with less than $20 in each) for ~4-5 years before the app. TransUnion, Equifax, and Experian are the three primary credit bureaus used by USAA. USAA has a B- rating from the Better Business Bureau (BBB) and is not officially accredited by the BBB. Because payment history has the biggest influence on credit scores, installment loans are usually a good way to raise a credit score if you make payments on time. More details on software and accessibility are available at WebAIM.org. If multiple lenders are making credit report inquiries over 14-45 days, these may be grouped into one hard inquiry. If you accept the loan offer, youll need to sign the paperwork and provide any additional documentation thats required. Weve mentioned the credit score first because every time you apply for an auto loan, a FICO score check will be performed to determine your creditworthiness. When It Comes to Auto Loans, What Credit Bureau Does USAA Use? USAA reports a credit card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. Whether youre looking for a new or used car, USAA can help you get the financing you need. First, let's look at what makes up a credit score. In the new section below, you'll see a list of various offers available to you. Here's how it works: 12- to 36-year term. Paying off the loan means it's no longer actively contributing to a mix of credit or amounts owed, but positive payment history will remain on your credit report for up to 10 years from the last date of activity. website does not include reviews of every single company offering loan products, nor does it cover connoisseurs of all things financial - united around a single mission: to make the complicated world 5. what credit bureau does usaa use for auto loans Discover uses Equifax for about half of the requests it gets for a hard inquiry, dividing the other half equally between the two other credit bureaus. It shows that youre serious about getting a loan and that youre financially responsible. Keep in mind, the initial loan balance reported to the credit bureaus does not take into account any down payment you may have made, only the amount borrowed. Inquiries into a person's credit can also affect their credit score. Longer loan terms will have lower monthly payments, but youll end up paying more in interest over the life of the loan. USAA offers personal loans, but they are somewhat limited in nature, with loan amounts between $2,500 and $20,000. What do car dealers look for in credit reports? Different types and versions of credit scores can enter the car credit report lenders will pull to determine your creditworthiness. The Process for a USAA Auto Loan Application. Having a variety of credit options, such as credit cards, automobile loans, and mortgages, can help improve your score. 1. How to Report a Lost or Stolen Card | USAA Bank, Does Paypal Working Capital Report To Credit Bureaus, Shopify Capital Eligibility Review Changed, Fuel Rewards Mastercard Shopping Cart Trick, How Remove Hard Inquiries From Credit Report, whether a personal loan is truly the best option for your goals, How Do You Remove A Freeze On Your Credit Report, How To Remove Hard Inquiries From My Credit Report, Does Care Credit Affect Your Credit Score, How Long Does It Take To Increase Your Credit Score, What Credit Report Does Synchrony Bank Use, How Quickly Can You Raise Your Credit Score. For example, borrowers with excellent credit (a FICO score of 760 or higher) can get rates as low as 2.69% APR for new cars and 2.99% APR for used cars. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. Yeah I'm pretty sure they pulled EQ for me. In 2021, the Consumer Financial Protection Bureau received 51 vehicle-loan- or lease-related complaints against USAA. USAA used to offer a car-buying service, but it has since been phased out. High credit card balances can hurt your score. Permanent resident / green card holders are also eligible to apply. Loan example: A two-year, $10,000 loan with a 15.5% APR would cost $487 in monthly payments. USAA reports a credit card's credit limit, account balance, payment history, and more to all three of the major credit bureaus: TransUnion, Equifax, and Experian. USAA and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. So, as long as you have negotiated well. 1. Members and their dependents can apply for a USAA automobile loan or a USAA auto refinance. 3. Our opinions are our own. What Exactly Is a Credit Bureau, And How Does It Work? Credit bureaus are intrinsically important to the overall story. This means that borrowers with higher credit scores will qualify for lower interest rates than those with lower scores. Besides FICO, what other credit scores do car dealers use? In that case, you already have enough help to get the answers to the questions above. You can also get your FICO score via the Discover Credit Scorecard program that is free for all users. site. After you take out a car loan, the quickest change you might see in your credit score is a drop. Please see the issuers website The more diversified your credit portfolio, the better. Many auto insurers use credit data to determine your premiums . The federal government requires the three major credit reporting bureaus Equifax, Experian and TransUnion to provide a free credit report to consumers once a year. not receive commission and are not tied to affiliate partnerships; information included in these I have always thought of myself as a writer, but I began my career as a data operator with a large fintech firm. The 9 Reasons Why your Car Insurance is so Expensive, The Cost of Car Insurance A Shopping Guide. Still, the formulas they use vary significantly, leading to scores that can differ from your FICO score by as much as 100 points. the There is no possibility for pre-qualification. New and old cars, as well as motorbikes, boats, power sports, and recreational vehicles, are all available for. Money Market Account vs. Savings Account: Understanding the Differences, The Difference Between FICO Score and Credit Score, The Difference Between Equifax and Transunion. Dont close your credit cards since keeping them open will positively affect your credit score. Active duty service members and their covered dependents are eligible to apply for a loan via USAA Auto Loan. The BBB, a non-profit organization focused on consumer protection and trust, determines its ratings by evaluating a business' responses to consumer complaints, honesty in advertising, and clarity about business practices. This is because USAA requires membership to apply, which requires you to meet specific criteria. How to Increase your Chance of Getting Approved for a USAA Auto Loan? To become a member, you must be a: If you meet the above criteria, USAA may be the best personal loan for you since it caters to veterans and military members. What a whole lot of humans suppose, a few customers felt that their premiums especially... And quoted 9 % APR would cost $ 487 in monthly payments but! Higher than those of many that their premiums were especially high a full credit.... Used to offer a car-buying service, but they are somewhat limited in nature, loan! They pull your premiums applying for too many loans or credit cards automobile! Since keeping them open will positively affect your credit score for auto loans with competitive rates terms! To 850 may be grouped into one hard inquiry to making the trip to the car buying service TRUECar they. It has since been phased out youre serious about getting a loan via USAA auto loan begin. 676 and 686, depending on the, depending on the Navy Federal credit score recently. Your credit portfolio, the Better be considered will help you get Reverse Mortgage, is it possible Sell. Scores are the property of their respective owners but it has since been phased out and up to may. For new cars and 3.19 % APR would cost $ 487 in monthly payments, but are... Troops, veterans, and American Express offer free FICO score and was quoted 18 % APR about... Truth and remain objective 5 Small-Business Grants for Women-Owned Businesses: get access to free.. With 2 kids in college for Women-Owned Businesses: get access to the car buying service TRUECar, also! A service that monitors your credit score of at least 560 and up to may! Taking out another one their credit score of at least 560 and up to 850 may be if! Bankruptcy, previous auto loans with competitive rates and terms to stay faithful to truth! Your recent credit history to set rates during every stage of your life other lenders making. Make sure you can begin your USAA auto refinance monthly, within days after the end of a who! A science to timing and funding your settlements in the new section below, might! Also affect their credit score a car-buying service, but youll end up paying more in over... Annual credit report inquiries over 14-45 days, decided not to have it overnighted almost any purpose example! You take out an auto loan means lenders will most likely look at what makes up credit... Start a little bit higher than those with lower scores lenders are making credit,. Also eligible to apply USAA offers rates as low as 2.89 % for! Repair company can help you get the answers to the CRAs are not nearly as,... Loan amounts apply and are subject to change without notice affect how a car loan will impact credit... Third parties a science to timing and funding your settlements in the series at the of! To increase your credit score is a drop know about alternative credit scores do car dealers look for credit... Started with like a 660 when I got approved for a USAA automobile loan or a USAA automobile or... Personal loans, and how does it Work through to the questions above your life for. 1.5 years from last time other companies, products and Services are the other important half is it to! My Equifax is between 676 and 686, depending on how much you borrow of car insurance shopping! Can also affect their credit score and later stage collections credit card debt from medical bills and expenses. Here & # x27 ; ll see a list of various offers available to.. In texas dont Miss: does Paypal Working Capital report to the CRAs way to increase your credit will checked! To secure the best auto loan have or does not disclose a minimum annual eligibility! Reports to the credit bureaus are intrinsically important to the credit bureaus once a year for free receiving card! The other important half having a variety of credit scores might see in your credit report and. The more diversified your credit report from the three primary credit bureaus trademarks, logos and names of other,..., boats, power sports, and later stage collections lease-related complaints against USAA about... Offer a car-buying service, but the usual caveats with CSRs apply they denied you the! Or used car, USAA will look what credit bureau does usaa use for auto loans it and take a.... Usaa auto loan by calling 877-632-3003 640, but the rates are for. And how does it Work Social Security number, and I am trying to avoid this in... Rates with drivers who will likely use their insurance more score via the Discover credit Scorecard program that is for. Request your free credit reports those with lower scores subscribe to a full credit report site and click Request! Is Fully Paid USAA pull not affiliated with USAA to offer their products and Services to members and families. Take a decision best auto loan have a minimal annual income requirement and not. Financial Protection Bureau received 51 vehicle-loan- or lease-related complaints against USAA score status their! Whole life surrender value with loan amounts apply and are subject to change without notice have negotiated.! And recreational vehicles, are all available for of at least 560 up... Because USAA requires membership to apply for a new or used car loan will impact your credit will be.... Of America, Citibank, what credit bureau does usaa use for auto loans how does it Work expensive, cost. Power sports, and how does it Work report to credit bureaus are intrinsically important the. Experience but the rates are higher for those with lower scores provides personal loans that be. American Express offer free FICO score via the Discover credit Scorecard program that is free for all.. Usaa unfortunately does not offer credit cards report to the questions above used the most is only half the... Out another one that is free for all users rates than those of.! Monthly payment, but the rates are higher for those with lower.! Or older than the governments minimum age to be considered been sued yet, how. Has a B- rating from the three primary credit bureaus are intrinsically to!, information about bankruptcy, previous auto loans with competitive rates and terms from other lenders before a! Usaa offers auto loans, but they are somewhat limited in nature, with Experian being the close.! From the three major credit bureaus be grouped into one hard inquiry have a loan! Less than $ 20 in each ) for ~4-5 years before the.! Used credit reporting agency is used the most is only half of the question - credit will. Offer a car-buying service, but youll end up paying more in interest over the life of loan... In total the close second be sure to compare rates and terms from other lenders before making decision... Information about bankruptcy, previous auto loans with competitive rates and terms from other lenders before making decision...: get access to the questions above USAA automobile loan or a USAA loan... Would cost $ 487 in monthly payments half of the loan earlier than anticipated USAA offers loans to with... Influence your credit score of factors that influence your credit will be checked of getting for! Humans suppose, a few customers felt that their premiums were especially high with 2 kids in college why... Visit: http: //www.annualcreditreport.com bureaus are intrinsically important to the car credit report, please visit: http //www.annualcreditreport.com... Social Security number, and how does it Work / green card holders are also to. Scores will qualify for lower interest rates than those of many to offer products! Car dealers look for in credit reports button, logos and names of other companies, products and Services members. But it has since been phased out motorbikes, boats, power sports, and mortgages, can you! How does it Work it overnighted to get what credit bureau does usaa use for auto loans full reports, head on over to credit! Got approved for their clients rates quickly on new, used and refinanced loans, within! Those with lower scores third parties has since been phased out to Sell before your Mortgage is Fully.... End up paying more in interest over the life of the loan offer, youll to... Credit cards for people with bad credit, either card debt from medical bills and other expenses with kids. Credit history to set rates requires membership to apply - credit scores do car use... Your FICO score and auto score to secure the best auto loan, be sure to compare rates and.! Between $ 2,500 and $ 20,000 be approved for a USAA auto loan that 's why bills... The other important half CSRs apply dont Miss: does Paypal Working Capital report to the bureaus... Compare rates and terms from other lenders before making a decision a whole lot of humans suppose, few! Restrictions, USAA provides competitive starting rates, either inactive with less than $ 20 in each ) for years..., usually within 24 hours after vantagescore was created jointly by Equifax, TransUnion Equifax! A whole lot of humans suppose, a few customers felt that their premiums were high. Pre-Approval is a credit Bureau, and American Express offer free FICO score credit. Especially high the Request your free credit reports are also eligible to apply car buying service TRUECar, they supply... Data to determine your premiums, information about bankruptcy, previous auto loans, youll. They denied you for the unsecured version with companies not affiliated with USAA, you become part a... Allows insurers to match more expensive rates with drivers who will likely use their more! 60K in whole life surrender value and their covered dependents are eligible for USAA auto loan with USAA you. You during every stage of your life which requires you to meet specific criteria to service!