I have been a member with USAA for over 12 years now. The insurance is great and reasonable. But the way I feel with their financing is a different story. Not everybody is perfect and have had credit issues in the past and working to fix it. It's like that you have to have a 100% perfect credit score in order to get a loan and other deals, not even an auto refinance loan. We service members sacrifice alot and can't help us out in certain situations.