Hello everyone,

Im currently in the market to buy a car and was wondering about how good the Car buying is on USAA. I currently drive a piece of fucking trash garbage sack of shit motherfucker that I want to upgrade from.

Firstly, is the USAA member discount as good as it sounds? Like Ive seen certain cars for 9k off MSRP with the special cash offer + member discount. But do I need to finance through them to get this?

If I do need to finance through them, is it decent or 37% apr bad? Should I just shop for bank loans or good dealership instead?

Sorry if this boot as fuck but this is my first time buying and first time using USAA. Thanks for the help!