Rick Bormin, Personal Loans Moderator
@rhandoo2020
USAA does not disclose a specific credit score needed to get a personal loan, unlike many personal loan providers. When evaluating your application, USAA will consider your entire financial profile, including your income, existing debts, and recent credit inquiries, as well as your credit score.
USAA Loan Requirements and Terms
| Category | Requirements and Terms |
| Minimum Credit Score | Not disclosed |
| Loan Amount | $2,500 - $100,000 |
| Loan Terms | 12, 24, 36, or 48, 60, 84 months |
| Funding Timeline | 2 business days |
Unfortunately, you can’t pre-qualify for a USAA personal loan at this time. If you’re unsure of what your current credit score is, you can check it for free on WalletHub.
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Personal loans affect your credit score in the short-term and in the long-term. In the short-term, a personal loan may damage your score because it causes a hard credit inquiry and increases your debt load. But in the long-term, a personal loan can either help or hurt your credit, depending largely on whether or not you pay the bills on time. Ultimately, it’s up to you how much impact the personal loan will have.
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The easiest banks to get a personal loan from are USAA and Wells Fargo. USAA does not disclose a minimum credit score requirement, but their website indicates they consider people with scores below 640, so even people with bad credit may be able to qualify. You do need to be a member of the military community, though.
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Getting a personal loan is a lot easier than many people think. Most people are familiar with the credit card application process, however, and getting a personal loan is very similar. In general, you comparison shop to find an offer that suits your needs in terms of loan amount, length and APR. Then, you check for pre-approval to gauge your odds of success. Once you’re confident you want to apply, you fill out an application...
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