Military service personnel have different needs when compared to a normal individual. The needs differ because of a number of reasons. If you were to go for a traditional loan, you will end up with a lot of complications which would not even be your fault but due to your circumstances.
As a person in active duty, you will have a different routine when compared to a regular citizen. Firstly, you will not be in the same location for a long period of time. This is because you might be deployed overseas on active duty or you might be in different parts of the country on training deployment. You will not be able to maintain a steady residential address due to your situation. Now a lot of lenders would not be willing to lend money to someone whom they cannot find in case he or she was to default on payment. You can avoid this situation by apply for a military loan or you can provide the address of a close friend or relative in order to receive communication from your lender. Also if you do end up with any sort of loan, you will have to give them information about your current location whenever you are allowed to do so by your employer.
Secondly, you will not be able to make regular payments if you are not in the country. You can set up an automated online payment system. But you will still need someone to check whether or not you have received your statements in order to make payments on the loan. If you do not have money in your account and still end up paying the bank, you will have to pay an overdraft fee to the bank and thus will lose more than what you bargained for. Obviously, you do not need a number of credit lines if you are not staying in the United States for a long period of time every year.
A military credit account is not one that is issued by the government. It is one that is given out by companies that specialize in the needs of military personnel. They will take into account your situation and then will give you a credit line without penalizing you for things that are beyond your control. Apart from this, you will get a lot of fringe benefits from the government in the form of tax rebates and interest free repayment periods.