Personal Loans — Personal Loans and Lines of Credit Gesa’s Personal Loans and Personal Lines of Credit give you access to available credit when you need it most. Funding for emergencies Flexible financingDetails Benefits FAQ Flexible financing designed around you Maneuvering around temporary cash flow roadblocks Funding for emergencies Consolidating debt Flexible financingNotes and Fees * APR = Annual Percentage Rate. Rates, terms, and fees are subject to change. Personal Loan rates include a 0.25% discount for automatic transfer from a checking or savings account at the time the loan is originated. Rate is dependent on credit qualifications. Other rates and terms available. Personal Line of Credit required fees include an annual fee of $35. Possible fees include an overdraft protection fee of $25 per transfer. Minimum payment is $50. Contact Gesa for full program details. Payment Example – Personal Loan: fixed rate; terms to 24 months. $44.66 a month based per $1,000 on a 2-year loan at 6.75% APR. Loan Type APR (as low as) Financing (up to) Max Term (months) Personal Loan 6.75% $30,000 24 Personal Loan 7.25% $30,000 36 Personal Loan 7.75% $30,000 48 Personal Loan 8.25% $30,000 60 Personal Loan 9.25% $30,000 72 Personal Line of Credit 9.00% $15,000 Open End What are personal loans and lines of credit? 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 assurance that temporary cash flow problems won’t hinder your long-term goals. Apply TodayStill have questions?How do I make a payment? 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. Make a paymentWhere can I order loan coupon books? 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. Order a loan coupon bookHow do I skip a payment? 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 Learn more about Skip Assist Still have questions? Contact us