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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.
Good luck!
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.