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Personal Loans and Lines of Credit —

More flexibility than a rubber gymnast doing yoga

Gesa’s Personal Loans and Personal Lines of Credit give you access to available credit when you need it most.

Flexible financing designed around you

Notes and Fees

* APR = Annual Percentage Rate. Rates, terms, and fees are subject to change.

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 $5 per transfer. Minimum payment is $50. Contact Gesa for full program details.

Loan TypeAPR* (as low as)Financing (up to)Max Term (months)
Personal Loan$30,00024
Personal Loan$30,00036
Personal Loan$30,00048
Personal Loan$30,00060
Personal Loan$30,00072
Personal Line of Credit$15,000Open End
Loan Type APR (as low as) Financing (up to) Max Term (months)
Personal Loan   $30,000 24
Personal Loan   $30,000 36
Personal Loan   $30,000 48
Personal Loan   $30,000 60
Personal Loan   $30,000 72
Personal Line of Credit   $15,000 Open End
Consulting

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.

Still have questions?

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 payment

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 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

Learn more about Skip Assist

 

Still have questions?

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With best-in-class rates and a variety of everyday banking products, Gesa has the right account, card, or loan for you.

Gesa customer using card

Up to 5.00% APY
On select checking accounts!

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We have upgraded to a new account opening process. Click Get Started to continue.

Getting started is easy!

Applying should only take a few minutes. Please have these documents ready:

Call (888) 946-4372 or apply at a branch

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Use your online banking log-in to pre-fill your application with saved information.

Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

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