USAA Car Loan Calculator
Calculate USAA car loan payments, rates, and financing options. Plan your new car, used car, or refinance loan with instant results.
Loan Details
Common: 36, 48, 60, 72, 84 months
Loan Summary
Payment Schedule
| Month | Payment Date | Principal | Interest | Total Payment | Remaining Balance |
|---|---|---|---|---|---|
| 1 | December 1, 2025 | $429.98 | $150.00 | $579.98 | $29,570.02 |
| 2 | January 1, 2026 | $432.13 | $147.85 | $579.98 | $29,137.88 |
| 3 | February 1, 2026 | $434.29 | $145.69 | $579.98 | $28,703.59 |
| 4 | March 1, 2026 | $436.47 | $143.52 | $579.98 | $28,267.12 |
| 5 | April 1, 2026 | $438.65 | $141.34 | $579.98 | $27,828.47 |
| 6 | May 1, 2026 | $440.84 | $139.14 | $579.98 | $27,387.63 |
| 7 | June 1, 2026 | $443.05 | $136.94 | $579.98 | $26,944.59 |
| 8 | July 1, 2026 | $445.26 | $134.72 | $579.98 | $26,499.32 |
| 9 | August 1, 2026 | $447.49 | $132.50 | $579.98 | $26,051.84 |
| 10 | September 1, 2026 | $449.72 | $130.26 | $579.98 | $25,602.11 |
| 11 | October 1, 2026 | $451.97 | $128.01 | $579.98 | $25,150.14 |
| 12 | November 1, 2026 | $454.23 | $125.75 | $579.98 | $24,695.90 |
| 13 | December 1, 2026 | $456.50 | $123.48 | $579.98 | $24,239.40 |
| 14 | January 1, 2027 | $458.79 | $121.20 | $579.98 | $23,780.61 |
| 15 | February 1, 2027 | $461.08 | $118.90 | $579.98 | $23,319.53 |
| 16 | March 1, 2027 | $463.39 | $116.60 | $579.98 | $22,856.15 |
| 17 | April 1, 2027 | $465.70 | $114.28 | $579.98 | $22,390.44 |
| 18 | May 1, 2027 | $468.03 | $111.95 | $579.98 | $21,922.41 |
| 19 | June 1, 2027 | $470.37 | $109.61 | $579.98 | $21,452.04 |
| 20 | July 1, 2027 | $472.72 | $107.26 | $579.98 | $20,979.32 |
| 21 | August 1, 2027 | $475.09 | $104.90 | $579.98 | $20,504.23 |
| 22 | September 1, 2027 | $477.46 | $102.52 | $579.98 | $20,026.76 |
| 23 | October 1, 2027 | $479.85 | $100.13 | $579.98 | $19,546.91 |
| 24 | November 1, 2027 | $482.25 | $97.73 | $579.98 | $19,064.66 |
| 25 | December 1, 2027 | $484.66 | $95.32 | $579.98 | $18,580.00 |
| 26 | January 1, 2028 | $487.08 | $92.90 | $579.98 | $18,092.92 |
| 27 | February 1, 2028 | $489.52 | $90.46 | $579.98 | $17,603.40 |
| 28 | March 1, 2028 | $491.97 | $88.02 | $579.98 | $17,111.43 |
| 29 | April 1, 2028 | $494.43 | $85.56 | $579.98 | $16,617.01 |
| 30 | May 1, 2028 | $496.90 | $83.09 | $579.98 | $16,120.11 |
| 31 | June 1, 2028 | $499.38 | $80.60 | $579.98 | $15,620.72 |
| 32 | July 1, 2028 | $501.88 | $78.10 | $579.98 | $15,118.84 |
| 33 | August 1, 2028 | $504.39 | $75.59 | $579.98 | $14,614.45 |
| 34 | September 1, 2028 | $506.91 | $73.07 | $579.98 | $14,107.54 |
| 35 | October 1, 2028 | $509.45 | $70.54 | $579.98 | $13,598.10 |
| 36 | November 1, 2028 | $511.99 | $67.99 | $579.98 | $13,086.10 |
| 37 | December 1, 2028 | $514.55 | $65.43 | $579.98 | $12,571.55 |
| 38 | January 1, 2029 | $517.13 | $62.86 | $579.98 | $12,054.42 |
| 39 | February 1, 2029 | $519.71 | $60.27 | $579.98 | $11,534.71 |
| 40 | March 1, 2029 | $522.31 | $57.67 | $579.98 | $11,012.40 |
| 41 | April 1, 2029 | $524.92 | $55.06 | $579.98 | $10,487.48 |
| 42 | May 1, 2029 | $527.55 | $52.44 | $579.98 | $9,959.93 |
| 43 | June 1, 2029 | $530.18 | $49.80 | $579.98 | $9,429.75 |
| 44 | July 1, 2029 | $532.84 | $47.15 | $579.98 | $8,896.91 |
| 45 | August 1, 2029 | $535.50 | $44.48 | $579.98 | $8,361.41 |
| 46 | September 1, 2029 | $538.18 | $41.81 | $579.98 | $7,823.24 |
| 47 | October 1, 2029 | $540.87 | $39.12 | $579.98 | $7,282.37 |
| 48 | November 1, 2029 | $543.57 | $36.41 | $579.98 | $6,738.80 |
| 49 | December 1, 2029 | $546.29 | $33.69 | $579.98 | $6,192.51 |
| 50 | January 1, 2030 | $549.02 | $30.96 | $579.98 | $5,643.48 |
| 51 | February 1, 2030 | $551.77 | $28.22 | $579.98 | $5,091.72 |
| 52 | March 1, 2030 | $554.53 | $25.46 | $579.98 | $4,537.19 |
| 53 | April 1, 2030 | $557.30 | $22.69 | $579.98 | $3,979.89 |
| 54 | May 1, 2030 | $560.08 | $19.90 | $579.98 | $3,419.81 |
| 55 | June 1, 2030 | $562.89 | $17.10 | $579.98 | $2,856.92 |
| 56 | July 1, 2030 | $565.70 | $14.28 | $579.98 | $2,291.22 |
| 57 | August 1, 2030 | $568.53 | $11.46 | $579.98 | $1,722.70 |
| 58 | September 1, 2030 | $571.37 | $8.61 | $579.98 | $1,151.33 |
| 59 | October 1, 2030 | $574.23 | $5.76 | $579.98 | $577.10 |
| 60 | November 1, 2030 | $577.10 | $2.89 | $579.98 | $0.00 |
About USAA Car Loan Calculator
The USAA car loan calculator is a comprehensive financial tool designed to help you plan and manage your vehicle financing through USAA. Whether you're purchasing a new car, buying a used vehicle, or considering refinancing your existing auto loan, this calculator provides accurate estimates of monthly payments, total interest costs, and payment schedules.
Understanding USAA Car Loans
USAA (United Services Automobile Association) offers competitive car loan rates and financing options for military members, veterans, and their families. The USAA car loan calculator helps you understand the financial implications of different loan terms, interest rates, and payment structures before you commit to a loan.
Key Features of the Calculator
Our USAA car loan calculator includes multiple calculation modes to suit different financing scenarios. The basic calculator mode allows you to quickly estimate monthly payments based on loan amount, interest rate, and loan term. For new car purchases, the calculator accounts for sales tax and down payments to provide a complete picture of your financing needs.
The used car loan calculator mode is specifically designed for pre-owned vehicle purchases, incorporating trade-in values and typically higher interest rates associated with used car financing. The refinance calculator helps you determine whether refinancing your existing USAA car loan could save you money by comparing current loan terms with potential new terms.
How to Use the USAA Car Loan Payment Calculator
To calculate your USAA car loan payments, start by selecting the appropriate calculator mode. For a basic calculation, enter your loan amount, annual interest rate, and loan term in months. The calculator will instantly display your monthly payment, total interest over the life of the loan, and a complete amortization schedule showing how each payment is allocated between principal and interest.
When calculating payments for a new car, include the vehicle's purchase price, your planned down payment, and your state's sales tax rate. The calculator will compute the total amount financed after accounting for taxes and down payment, then calculate your monthly payments based on USAA's current interest rates.
USAA Car Loan Rates and Financing Options
USAA car loan rates vary based on several factors including your credit score, loan term, vehicle age, and whether you're financing a new or used car. Generally, new car loans offer lower interest rates than used car loans. Loan terms typically range from 36 to 84 months, with longer terms resulting in lower monthly payments but higher total interest costs.
The USAA car finance calculator helps you compare different loan scenarios to find the most cost-effective option. By adjusting the interest rate, loan term, and down payment amount, you can see how each factor affects your monthly payment and total loan cost. This information is crucial for making an informed decision about your vehicle financing.
Benefits of Using the USAA Vehicle Loan Calculator
Using the USAA vehicle loan calculator before applying for financing helps you prepare for the loan application process. You'll have a clear understanding of what monthly payment you can afford, which loan terms work best for your budget, and how much you should consider for a down payment. This preparation can help you negotiate better terms and avoid overextending your finances.
The calculator also provides a detailed payment schedule showing how your loan balance decreases over time. This schedule helps you understand the long-term cost of your loan and can be useful for planning your budget. You can export the payment schedule to CSV format for further analysis or record-keeping.
Refinancing Your USAA Car Loan
If you're considering refinancing your existing USAA car loan, the refinance calculator compares your current loan terms with potential new terms. It calculates your monthly savings, total interest savings, and break-even point to help you determine if refinancing makes financial sense. Keep in mind that refinancing costs should be factored into your decision, as these fees can offset potential savings if you're close to paying off your loan.
The USAA refinance car loan calculator is particularly useful if interest rates have dropped since you took out your original loan, if your credit score has improved, or if you want to change your loan term. By comparing different refinancing scenarios, you can find the option that best meets your financial goals.
Tips for Getting the Best USAA Car Loan Rates
To secure the best USAA car loan rates, maintain a good credit score, make a substantial down payment, and choose a shorter loan term if possible. The calculator helps you see how these factors impact your loan costs. Additionally, consider getting pre-approved through USAA before shopping for a vehicle, as this can give you negotiating power and help you stay within your budget.
Whether you're calculating payments for a new car loan, used car loan, or considering refinancing, the USAA car loan calculator provides the tools you need to make informed financial decisions. Use it regularly to stay on top of your loan payments and to explore opportunities to save money on your vehicle financing.