Know the law. Keep your money.

The protections

Where your money is hiding

• The 6% Interest Rate Cap

  Cut every pre-service debt (credit cards, auto loans, mortgages, student loans) to 6% APR and claim refunds.

• Break Leases & Contracts Penalty-Free

  End apartment leases, auto leases, and phone contracts without fees when orders move you.

• Protect Your Home & Car

  Foreclosure and repossession protections that keep your biggest assets safe during service.

• Eligibility & Timing

  Who qualifies, what paperwork proves it, and exactly when protections start and stop.

• Military Money Moves

  Beyond the rights, the money plays that maximize your benefits: combat-zone tax, the SDP, choosing a military bank, deployment and PCS money, aid societies, and the timing moves generic guides never cover.

• Defend Your Rights in Court

  Sued, served, or facing eviction while you serve? Default-judgment shields, the 90-day stay, the rights you can be tricked into waiving, and how to make a lender that broke the law pay.

• The Military Lending Act (36% Cap)

  The SCRA covers debt from before you served; the Military Lending Act caps NEW consumer credit taken out while you serve at a 36% MAPR, and bans the predatory terms that target troops.

• SCRA for Landlords, Lenders & Courts

  The other side of the desk: what a landlord, lender, servicer, collector or court must do under the SCRA. The military affidavit, the DMDC status check, the notices, the deadlines, and what DOJ has fined for getting them wrong.

• State-by-State SCRA Benefits

  Your state stacks its own protections on top of the federal SCRA: state-duty Guard coverage, longer rate caps, broader lease exits. What applies where you live.

The receipts

Checked against the source, on a date

Military blogs repeat SCRA rates and phone numbers no bank publishes. We fetch every issuer's own page, stamp what we find with the date we found it, and re-check monthly.

• The SCRA department directory

  Every major issuer's SCRA desk: phone, fax, mailing address, portal. Call the right desk the first time.

• The rate tracker

  What each bank's own page actually states, re-verified monthly, every change logged with a date.

• The scorecard

  Banks say "two billing cycles." Servicemembers report what actually happened. Add yours.

The enforcement desk

What it costs to break this law

Every Justice Department SCRA action, transcribed from the DOJ record: 66 cases, who paid, how much, and for what. If your lender or landlord is on this list, read the order before you call them.

• 2026 · repossession

  CarMax SCRA Settlement: 28 Vehicles Repossessed Without Court Orders

  28 vehicles

• 2026 · repossession

  Holmes Motors SCRA Settlement: Repossessions and Kept Deposits

  Three vehicles repossessed, five leases terminated

• 2026 · consumer contract

  ADT SCRA Settlement: $1.26 Million Fund, at Least 3,400 Servicemembers

  At least 3,400 servicemembers

• 2026 · default judgment

  Rental Marketing Solutions: $60,000 for One False Military Affidavit

  One active-duty Navy sailor; DOJ calls it the largest amount it has ever obtained for a single servicemember in a false-affidavit case

Browse the full enforcement ledger · Landlord, lender or court? Start with the compliance desk

New to the SCRA

Start here

• What Is the SCRA? The Military Law Worth Thousands a Year

  The SCRA (Servicemembers Civil Relief Act) caps pre-service debt at 6%, ends leases on orders, and blocks foreclosure without a court order. How it works.

• SCRA Interest Rate Cap: The 6% Rule, How It Works, How to File

  The SCRA 6% rule (50 U.S.C. § 3937): pre-service debt capped at 6%, excess forgiven, retroactive, mortgages one year after service. Who goes lower, how to file.

• SCRA Eligibility: Who Qualifies, When It Starts & Ends

  Who qualifies for the SCRA under 50 U.S.C. § 3911: active duty, Guard, Reserve, spouses, veterans, and which debts count. Status table, start and end dates.

Look it up

By state, by company, by section

• Military affidavit forms 48 jurisdictions, each checked on its court's own site
• Is military retirement taxed in your state? 42 state pages with a calculator
• Vehicle tax exemptions for servicemembers 9 state pages
• Cancel a phone, internet, gym or security contract on orders with company-by-company guides
• Car insurance on deployment insurer by insurer
• Privatized base housing rights and the companies that run it
• SCRA violations by type from 66 DOJ and court records
• The SCRA, section by section 40 sections with their full text

Fresh off the desk

Latest guides

• AAA Insurance Military Discount: None on 3 Club Lists; Dues Vary

  Three AAA clubs list no military car insurance discount. AAA Washington takes 15% off dues for active military; AAA Mountain West says it has no such offer.

  SoCal club mileage: up to $286.50/yr

• American Family Insurance Military Discount: 0 of 20 Car Discounts

  None of the 20 discounts in American Family's car tables is military. MilesMyWay pays up to 25% for low mileage. Policies may cover the U.S. and Canada.

  $972 over 9 months, illustrative

• Armed Forces Bank Early Pay Calendar: All 24 Dates Follow Its Rule

  Armed Forces Bank posts DFAS pay 1 business day early, 2 if the 1st or 15th is a weekend or holiday. Rest of 2026: 10/29, 11/12, 11/30, 12/14, 12/30.

  One business day, every payday

• Chevrolet Military Discount: GM Authorization Number Lasts 90 Days

  GM's military offer runs on an ID.me-verified authorization number, good 90 days, two a year, at Chevy, Buick, GMC and Cadillac. Delivery by Jan 4, 2027.

  $500 allowance plus a $75 doc fee cap

• Erie Insurance Military Discount: None Listed; 90-Day Storage Discount

  Erie lists no military discount. Store a car 90 days or more and it offers a reduced usage discount, except in Kentucky. It sells auto in 12 states and D.C.

  $810 over 9 months, illustrative

• Ford Military Discount: $500 or $1,000 Depending on Your ZIP Code

  Ford's military cash showed $1,000 at Fort Bragg, Fort Hood, Norfolk and Eglin ZIPs but $500 at JBLM, Pendleton and Fort Carson (Oct 16, 2026). ID.me required.

  $500 to $1,000 cash, by ZIP

Beyond the federal floor

What your state adds on top of the federal SCRA

The SCRA is the federal floor. Most states stack their own protections on top: a state SCRA of their own, National Guard coverage on state active duty, longer rate caps, or broader lease exits. Find yours on the map, then open its page.

Browse the full state directory →