My husband and I have also applied for loans through USAA and have been denied EVERY time. I will admit that I have not the greatest of credit however my husband's is near flawless but still were denied because we wanted LESS than the USAA MIN of 2500 dollars. I love USAA But I'm really starting to look around for a different insurer that actually keeps the prices down and even actually gives dividends and snap shots er whatever and go back to a credit union.
USAA loves you when you deposit money. However, if you need a loan forget it. They only want to help those that borrow large amounts. I needed a small loan to travel to visit my daughter. I only asked for the lowest amount. There is no problems with my credit. Unfortunately USAA only looks at a member as a number not as a person, an individual, just a number. I have been with USAA almost 20 years. I never missed a payment on my credit card, or bounced a check or anything. Funny when I needed a car loan, they granted that to me. I never missed a payment and even paid it off early. When I called to ask about the personal loan, the lady I spoke with was so rude. She just said over and over that I was denied and then just wanted to get rid of my call by saying "Is there anything else", and I said no and she hung up. My parents have been part of USAA since the time they began. They boost they are family oriented, but they are not.