Brief overview of our situation when applying to USAA for a used auto loan. I'm currently in nursing school full time and my wife is the one with full-time employment as a RN. We have a mortgage, no car payments besides the one we are applying for, no credit card debt and both have credit scores close to 800. Applied for loan on USAA website, but seeing I had to put unemployed student I was unable to get a instant answer. After a followup call and further clarification I was approved for 2.25% for 36 months. (2.75 minus 0.5) for finding the auto through their car finding service. The Mini dealer I was working with was willing to match the 2.25 rate solely off our credit scores with one of their local banks, and Navy Federal was offering me 2.59%. Seeing I have everything else with USAA and have never been disappointed I chose them for the loan. Thank You USAA for taking into account my entire situation and providing me a great rate.