Navy Federal Credit Union offers the widest loan range, from $250 to $150,000, with a 0.25% APR discount on eligible loans. USAA allows joint applications and loans of up to $100,000 with no origination fees, while PenFed charges no origination fee and caps interest on certain military loans at 6%. Upgrade, which lends up to $75,000, targets debt consolidation and borrowers with fair credit, while Armed Forces Bank and AmeriCU are better suited to emergencies or borrowers with limited credit histories. Rocket Loans offers same-day funding in many cases, but the Military Lending Act caps the total annual cost of most unsecured loans at 36% for active-duty service members.
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