Military Loans for New Officers

Begin your journey with a USAA Career Starter Loan.

Log on to check your eligibility.

Why choose a USAA Career Starter Loan?

Getting the money you need at a reasonable rate can be a responsible way to build credit as you start your career. Our low interest rate loans help new officers avoid the burden of high interest debt.

Ways to Use Your Loan

Buy a car.
Consolidate high interest credit card debt.
Build emergency savings.
Pay for military uniforms.

Remember that this loan cannot be used for education expenses.

How to Apply for a USAA Career Starter Loan

Step 1: Become a USAA Member

Apply for membership to gain access to USAA products and services.

Step 2: Open a Checking Account

Set up a USAA Federal Savings Bank checking account to be eligible to apply.

Step 3: Apply for the Loan

We'll ask for details like income, housing and commissioning information.

USAA Career Starter Loan FAQ Frequently Asked Questions

How can I use the money?

You can use the money for personal expenses like paying off transition expenses, consolidating high-interest credit card debt or buying a car. The money can't be used for educational expenses. Plan your expenses

Do I have to have a USAA Federal Savings Bank account?

Yes, you must have a USAA Federal Savings Bank checking account to be eligible to apply.

More Resources for Your Military Career

Joining the Military

Get advice that can help you focus on your military career.

Credit Cards

Choose a card that can meet your financial needs.

Renters Insurance

Get coverage for your personal possessions and financial security.

Start your financial journey with us and discover what being a USAA member can do for you.

Log on to check your eligibility.

Close Tooltip Hours of Operation Monday to Friday: 8:00 a.m. to 6:30 p.m. CT Saturday: Closed Sunday: Closed

Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

Obtaining insurance from USAA is optional, and has no effect on any credit applications or terms of credit with USAA Federal Savings Bank, and can be acquired from other sources.

Credit approval may be required. Eligibility time frame varies by commission source. Newly commissioned officers must apply for the loan within one year of commission date. USAA Federal Savings Bank checking account is required to apply for a Career Starter loan. Eligibility restrictions may apply for early commissioning and advanced degree programs

Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

Renters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA Limited (United Kingdom) and USAA S.A. (Europe), and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

Coverages subject to the terms and conditions of the policy.

USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.