Personal Loans —

Debt Consolidation Loans

If you’re spending more time paying your debt than enjoying life, consider a debt consolidation loan. This means one low monthly payment instead of making individual payments to credit cards.

  • 1 low monthly payment
  • Extra cash to save

Gesa's variety of loan consolidation options

Fixed Home Equity

  • No appraisal fee on Fixed Home Equity Loans of $50,000 or more
  • Low rates
  • Borrow up to 90% of your home's appraised value
  • One-time loan advance

Home Equity Line of Credit

  • Low rates
  • Borrow up to 90% of your home's appraised value
  • No credit report fee
  • No loan origination fee

Refinancing your vehicle or loan

  • Refinance on your own Title
  • Use the equity in your car
  • Quick loan processing
  • Competitive rates
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Apply for a personal loan today

Gesa offers Personal Loans and Personal Lines of Credit for a variety of purposes. A Personal Loan is an unsecured signature loan and can be useful when you need a set amount of funds for a specific purpose. A Personal Line of Credit offers flexibility, allowing you to draw/repay funds up to a defined limit, giving you the assurance that temporary cash flow problems won’t hinder your long-term goals.

Still have questions?

The application process is quick and easy. Head over to the application page to get started today.

Extra cash to simplify your life by having just one monthly payment with lower rates.


Tax benefits may apply but contact your tax advisor.

There are several ways you can pay your loan. You can:

  • Pay with a Gesa account
  • Pay with a non-Gesa account

Click the link below to learn more about making payments and which option is best for you.

You can request loan payment coupons to be mailed to you. Head over the Loan Coupons page to fill out the form and request your coupon book.

In order to qualify for Skip-A-Payment:

  • The loan or credit card must have been open for at least 12 months at the time of the Skip-A-Payment application
  • There must be at least 11 months between your last skip and the date of your new Skip-A-Payment application
  • You must be in good standing with all Gesa accounts and loans. For credit cards, you must have an available balance greater than $0.00
  • There must be no return check fee balance greater than $25 or late fee balance greater than $25 on your loan or credit card
  • You must have full coverage insurance on your vehicle loan

Still have questions?