We appreciate you posting your feedback in Community. USAA considers many different factors when making decisions about extending credit in addition to your credit profile. Feedback from our members is important to our continued success. Rest assured, your comments will be shared with our Member Feedback Teams.
Thanks for posting to our Community Alex1024. I tried to contact you at the number we have on file, however I wasn't able to reach you. I've sent a secured email to your online message center in reply. To access it, simply click your name, select Alerts & Actions and scroll down to Notifications. - Cathleen
Hello and thank you for concern regarding the Annual Percentage Rate for your Auto Loan application. Your credit score is only one factor used as part of the decision in determining the final term of your loan request. Our loan decisions encompass other factors such as your overall credit history, current debt to income ratio, the collateral for the loan, amount requested, as well as your overall relationship with us. Our consumer lending department would be happy to engage our underwriting department while you are on the phone with us to confirm the exact factors that impacted the final APR for your loan request. At your earliest convenience please contact us at 210-531-USAA (8722), our mobile shortcut #8722 or 800-531-8722. Our business hours are Monday through Friday 6:30am-10:00pm CT and Saturday 8:00am - 6:00pm CT. Thank you! - Darrell