Welcome to GTE

If you are not a member yet, please visit our online application page. Share Secured — Draws upon the full value of your savings account. Collateral Secured Loans We also offer secured loans for the following products where the purchase itself serves as collateral: An ideal option if you are looking to build credit by making regular payments. Cash Secured Loans We have the following fixed-rate cash secured loans, in which money a member has with us serves as collateral: We offer 3 options:

GTE has a loan for you!


You need a Loan Agreement that includes collateral. Our Personal Loan Agreements cover all loan basics such as loan amount, repayment options and default consequences. The form can also create an amortization schedule and calculate the paid in full date. Contrast a collateral loan with an unsecured loan, where all a lender can do is ding your credit or bring legal action against you. Lenders would prefer, above all else, to get their money back. They don't want to bring legal action against you, so they try to use collateral as a safeguard. At this time, Wells Fargo only accepts online applications for a Personal Loan or Line of Credit from existing Wells Fargo customers. Please visit a Wells Fargo location to speak to a banker about credit options that don’t require an existing Wells Fargo relationship.


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A loan agreement is a written agreement between a lender and borrower. The borrower promises to pay back the loan in line with a repayment schedule (regular payments or a lump sum). As a lender, this document is very useful as it legally enforces the borrower to repay the loan. The IRS, if it learns about your interest-free loan, can "impute" interest on the loan. That is, it will treat you as though you had earned interest and require you to report it as taxable income. For most personal loans, this won't be a problem. GTE has a loan for you! GTE Financial offers secured loans that can be “secured” by available funds you have in an existing account, or by the purchase of a specific product as collateral such as a home or car.

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