They advertise one thing on their web site that you have excellent credit score then show auto loan rates of  

Limited Time Offer: Discounted auto loan rates — as low as 0.99% APR for 36 months when you buy through the USAA Car Buying Service. Offer expires 06/30/2016. See note 1They offer this then bait and switch and blame this credit inquiry as the reason they bhave to do a bait and switch BE CAREFULL!!!! Do not hit apply bhutton you will regret it they will bait and swich you.

How long will it take?

Apply in less than five minutes – and in most cases, you'll receive an instant loan decision.

What you will need:

  • Your employer's name, if applicable, and your income from all sources
  • The amount you would like to borrow
  • If you are trading in a vehicle, your current monthly loan payment amount
  • If you are purchasing a vehicle, remember to consider the cost of your vehicle plus sales tax, title, license and optional warranties.

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Thank you for your post. We'd like the opportunity to address your concerns regarding the auto loan. I have escalated your comments and once a specialist reviews your account, they will reach out to you and discuss in more detail.

Not surprised , they have taken part of charging me several overdraft fees could they not be in in it ...they are the ones taking my money.. I'm really sorry to hear about your experience.