Last night I called Navy around 9pm and inquired about an SSL.
I could only come up with $1k since I am very low income and the very nice CSR told me I could do 12 months for $1k and I asked what the next term up was and she said it was 18 months over $1,001, so I did $1,005 and they did a 19 month SSL for me.
The entire process took 12 minutes.
Exactly 90 minutes later I got a text letting me know that the loan was approved and to go esign the documents in the app, which was also quick and easy.
I did that and the funds were released immediately.
I swear I checked the app every 30 minutes to check when the loan would appear in the app so I could pay it down to 8.9% and it took almost exactly 24hrs.
I went in the app and paid it down to $88, which took me down to 8.9%. I hope I did it all right, but this is how it looks now:
All in all, a very smooth process and I should be gardening now for a year. 
