Thank you for your interest in refinancing your son's auto loan with USAA. If the loan is already with USAA, you'll need to call us so that we can submit a new loan application in your name only. If the loan is not with USAA, you can also apply online to see what Annual Percentage Rate (APR) you may qualify for. To apply online, simply go to Products, then choose Auto Loans, scroll down to the section for 'Refinance' to submit your loan application. If you would rather apply over the phone or this is an existing auto loan with USAA please call our Loan Originations Department at 1-800-531-8722 or 210-531-8722 or #8722 from a mobile device. Our normal business hours are Monday-Friday 6 a.m. to 10 p.m. CT, Saturday 8 a.m. to 8 p.m. CT, Sunday 8 a.m. to 6 p.m. CT.