The Gesa Credit Union is a personal loan from Gesa Credit Union. The ongoing APR is 36% APR on a maximum amount of $4,000. Typical credit limit: $500 - $4,000. Loan terms: Up to 36 months, based on amount: $500-$700 6 months; $701-$999 9 months; $1,000-$1,500 12 months; $1,501-$2,000 15 months; $2,001-$2,500 18 months; $2,501-$3,000 24 months; $3,001-$4,000 36 months.