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Routing Number: 325181248

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Debt Consolidation —

What if you could pay off your debt faster?

One proven solution is a debt consolidation or credit consolidation loan. These loans combine your payments into one low monthly amount instead of individual payments on multiple credit cards—cutting down on the interest that keeps you in debt longer.

  • 1 low monthly payment
  • Extra cash to save
  • Convenient automatic payments
  • Tax Benefits*
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Benefits
FAQ

What are the benefits of a debt consolidation loan?

  • 1 low monthly payment
  • Extra cash to save
  • Convenient automatic payments
  • Tax Benefits*

*Not all loans qualify. Be sure to consult your tax professional for details.

Washington State debt consolidation | Gesa Credit Union

Gesa's variety of loan consolidation options

Fixed Home Equity
  • No appraisal fee on Fixed Home Equity Loans of $50,000 or more
  • Low interest rates
  • Borrow up to 90% of your home's appraised value
  • One-time loan advance
Home Equity Line of Credit
  • Low interest rates
  • Borrow up to 90% of your home's appraised value
  • No credit report fee
  • No loan origination fee
Refinancing your vehicle or loan
  • Refinance your vehicle on your own title
  • Use the equity in your car
  • Quick loan processing
  • Competitive interest rates
Product Sign Up

Apply for a personal loan today

A Personal Loan is an unsecured signature loan and can be useful when you need a set amount of funds for a specific purpose. This offers flexibility, giving you the assurance that temporary cash flow problems won’t hinder your long‑term goals.
Get Started

Debt Consolidation FAQs?

The application process for a debt consolidation loan is quick and easy. Head over to the application page to get started today.

Start your debt consolidation application today

There are numerous benefits to a debt consolidation loan, beginning with extra cash to simplify your life by having just one monthly payment with lower rates.

Contact your tax advisor to find out if tax benefits apply to you.

There are several ways you can pay your consolidation loan. You can:

  • Pay your loan with a Gesa account
  • Pay with a non-Gesa account

Click the link below to learn more about making loan payments and which option is best for you.

Make a loan 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?

Contact us
Routing Number: 325181248
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51 Gage Blvd. Richland, WA 99352

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