USAA works with military members, veterans, eligible family members, cadets, and midshipmen. The application process is simple and has no application fee. USAA offers personal loans from $2,500 to more than $20,000. There is also the Navy Federal Credit Union, which has been serving current and former military members since 1933. Their loans, especially long-term loans, are offered at low rates. They are the perfect option for you if you need money for a specific purchase.