I app'd late Saturday night, got an email Sunday afternoon asking for POI and bank statements (which I emailed), signed my loan documents electronically at 6am Monday morning! Check is being over-nighted via FedEx, should have it by Tuesday (tomorrow) by 4pm.
I refinanced my 2014 BMW 528i from 7.49% to 2.49% with Navy; my payments are now $397, which will save me about $178 a month, and I have 18 months left on the note. This was my second app for a refi. I didn't have enough history with them the first time I applied, only 6 months with my checking/savings/$15,000 LOC, now I have just over a year of history with them.
I have no late pays, collections, charge-offs, judgements or liens; however, I do have high utilization spread over many cards. Navy pulled TU and that score is 634 (MyFico) I'm working to get my utilization paid down by December.
My monthly income is $9985 (salary) + $500 (Uber/Lyft) = $10,485/mo.
I have applied three times for a credit card with Navy, but each time instantly declined. I've pretty much given up on that.
I hope this helps. If I forgot anything let me know.