We never finalized this loan because we would have lost the car we were trying to buy if we waited on USAA. We were approved in 5 minutes, but was given conflicting info several times. Was told to go to seller and photo title- they didnt like it but they let us do it-2 hrs driving. Was told check would be issued same day if received photo by 4. Was told the next day the check would be mailed so would take 2-3 days. Called back after emailing pics and was told back check would be mailed to seller not us. We had already agreed with the seller to pay them out of pocket next day so we didnt lose car, but they would have been paid twice. THE WHOLE THING WAS A MESS AFTER 30 YEARS OF MEMBERSHIP.