When using the auto loan calculator, I was estimated APR 4-5%.  After applying, I have been offered 14-15%.  I would like to know why the drastic increase in APR.  


@hkyan, the rate given on the calculator online is an estimate, not based on your personal information. USAA does consider each application on a "case-by-case" basis, and considers the "360" view of your entire credit and account profiles when rendering a decision. We consider several factors such as both your USAA and credit profiles, including your debt to income ratio, banking account management, credit score, and history with USAA. However, ultimately, you must credit qualify for the lower rates.