I am no expert, but I dont think 485 would be high enough to qualify for a loan. If you do manage to get a loan, the rate will be crazy high. I suggest you wait and see where you end up after everything posts to your scores. If nothing else, the higher scores will get you a better rate/payment.
I would also expect you will need a co-signer unless there is a drastic score increase. Again, this is very much my personal take. NFCU might very well have programs for current military folks I am unaware of.
You will be able to find financing somehwere through lender's like Exeter, Santander, CPS, Skopos, etc...however as other's have said the interest rate will be in the 20-25%+ range with that kind of score. If you are looking for a 20k+ auto loan, I STRONGLY suggest working on your scores first before purchasing in order to save yourself thousands in the future. It sounds like you currently have a vehicle, what's wrong with it? I would suggest keeping your paid off vehicle while rebuilding credit.