Personal Loans — Share Secured Loans With the convenience of borrowing at a low rate, Gesa’s Share or Certificate Secured loans allow you to build or re-build your credit. Approvals are not based on your credit Low rates regardless of your credit scoreDetails Benefits FAQ Secure loans at low rates Great loan rates that support you while you rebuild your credit Rates are set at a low fixed amount above the current share rate or certificate rate Borrow up to 100% of your account/certificate balance and pay the loan off at any time. Approvals are not based on your credit scoreNotes and Fees *APR = Annual Percentage Rate. Rates, terms, and fees are subject to change. APR is accurate as of 10/01/2021, the last dividend declaration date. Minimum Payment amount of $50. Payment Example – Share-Secured Loan: fixed rate; terms to 60 months. $18.33 a month based per $1,000 on a 5 year loan at 3.80% APR. Loan Type APR* (as low as) Max Term (months) Share Secured Loan Share rate plus 2.00% 36 Share Secured Loan Share rate plus 3.00% 37 - 60 Apply for a personal loan today The application process is quick and easy. Apply today and get in contact with a loan advisor to see how you can start rebuilding your credit. Apply TodayStill have questions?What are the rates? Rates are set at a low fixed amount above the current share rate or your certificate rate. How much can I borrow? You can borrow up to 100% of your account/certificate balance and pay the loan off at any time. 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