The GTE Financial is a personal line of credit from GTE Financial. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is APR range 15.99% to 17.99%, determined by your credit worthiness (Annual Percentage Rate (APR) effective 9/16/2026). Loan terms: Monthly payment is 2% of the outstanding balance or $25, whichever is greater; payment due on the 15th of each month.