I was hesitant to apply based on the multiple reviews I read online. I have never had a negative experience with USAA and use a number of their products currently. I applied online, was approved within minutes, and was offered a rate about 3 points above the advertised rate. I was not surprised at the difference between what was offered vs. advertised. I have a good credit score- above 700, but a relatively high debt to income ratio. They also advertise a low rate that includes a discount for setting up auto payment for your loan- which I chose not to take advantage of. I also needed to call into their customer service number, and had a really great experience. I highly recommend the personal loan product and process provided by USAA.