Just sharing some DPs on a Navy Federal Unsecured Personal loan. My scores are in the 655-675 range. No collections. Some layers over the last 2 yrs. I'm in a rebuild and have an existing loan for my car still owe 16k or so and have a few cards with highest limit only 1K. Utilization at like 5% total across all accounts with several at 0. Applied for a NFCU CC and got the More Rewards but only a $500 limit. I was bummed and did a recon which was not approved but I sent in my paystubs in the process. I use the card heavily and pay several times a week (because come on...you have to with only a $500 limit). About a month into having the card read about someone who also had a low limit CC and applied for a personal loan. I decided to ask for an amount that I could pay off 75% right away and build some history and relationship with. Applied online for 8K and was immediately approved. From the time A decided to apply to the time it was in my account was about 7 minutes. No sending in any additional POI. I'm hoping by the time I hit 91/3i can get approved for a card with a higher SL! Good luck to anyone getting a PL through Navy!
They are known for Low CL to start but you will love them 
And welcome if you just got in with the Navy Fam :3
Starting Score: 612
