I’m looking to finance a vehicle made in 2017 with fewer than 16,000 miles that’s listed for $15,750. I have $7,500 saved for a down payment, but I’m having trouble getting approved for a loan with an APR lower than 11% because I’ve never had any credit, so my credit score is a whopping 0. What should I do?


Thank you for your interest in an auto loan with USAA, @Blackula. You may apply at for an auto loan. Select Product and click on Auto Loans listed under Banking. Rates vary based on approved credit and other factors. For further questions please contact a specialist at 800-531-8722. Thank you - Tricia