I just wanted to share, I helped my mom get a personal loan from Navy and thought someone may appreciate the DPs.
She was instantly approved for $6700 18% APR for 60 months, with an annual income of approx $20k. It's not the lowest APR but it's better than what she was paying... she had some balances on high interest credit cards as well as a high interest loan from Oportun.
EQ 9 score 683
No lates but her file is pretty young, she has 1 account that's 13 years old but everything else is 2 years or less.
She's been a member of Navy for 1 year and has two credit cards with them, the individual util on those are:
Platinum 23%
More Rewards 51%
She has several other credit cards with other issuers. Overall utilization is 36%.
I did try to do SP prequalification for a personal loan through some other companies but no one was approving her, I am guessing due to income. I should have known to check with Navy first 
I can't think of any other DPs but if anyone has a question let me know!
Congrats to your mom on the $$ saved on interest. From my small experience w/ CU personal loans, $6.7k on $20k is definitely an UNS DTI you can get approved if they like you, assuming no other unsecured debt.
Congratulations on DM approval!
