three excited women in sunglasses sitting in a new car, embarking on a road trip thanks to Gate City Bank personal loans

Personal Loans to Fuel Your Passions.

Taking a road trip with your friends. Relaxing at the lake. Hitting the open road on that motorcycle you’ve always wanted. Wherever your next adventure is calling, we’ll help you get there.

Apply Now

Better Tomorrows Begin Today.

Auto Loans

Cruise toward that new (or new-to-you) vehicle with our free pre-approvals, and you could drive off the lot in a day.

Boat, RV &
Ice House Loans

Start picturing your weekends at the lake with a new pontoon, motorhome and more.

Student Loans

With our BetterLife™ Student Loan program, consolidate student loan debt with no fees and a low fixed rate.

Classic Line of Credit

Enjoy more flexibility and an interest rate lower than most credit cards. Perfect for projects or that long-awaited vacation!

Mom laughing and pouring water over her son in their new soaker tub, thanks to a Gate City Bank home improvement loan

Better Adventures Right at Home.

  • Home Equity Loans

    Dream kitchen. Remodeled bath. Finished basement. Whatever’s on your wish list, we make it easy to get rolling.

  • Home Equity Line of Credit

    Tackling ongoing projects? Choose a revolving line of credit for more flexibility – all with a rate lower than most credit cards.

  • City Programs for Home Improvements

    Stronger neighborhoods. Stronger communities. Learn about special low rates, exclusively for participating cities near you.

Relaxed Gen Z woman with earbuds and black rimmed glasses, applying for a debt consolidation loan on her phone in Fargo, ND

Less Debt.
More Breathing Easy.

Have multiple loans or credit cards? Simplify your finances, and consolidate your balances with one easy payment.

Explore Debt Consolidation Loans
Happy dad giving his daughter a piggyback ride, walking beside his wife and toddler son on a spring day in Bismarck, ND

Additional Loans to
Fit Your Life.

No collateral? No problem! Choose an unsecured loan for vacations, big purchases and more. Or, if you have a Gate City Bank certificate of deposit, use a CD-secured loan to borrow money without any withdrawal penalty. You’ll even keep earning interest on your CD balance!

Apply Here

All the Perks. All Yours.

  • Local with competitive rates

    Locally approved. Locally financed. Locally serviced. If you have questions, you’ll never be redirected to a random number.

  • Easy calculators

    Try our personal loan calculators to get a quick pulse check on payment amounts.

  • Convenient digital signing options

    Can’t meet in person, or prefer an online connection? Signing digitally is safe, secure and usually only takes seconds.

  • Discount with automatic payments

    By having a personal loan and a checking account at Gate City Bank, you may qualify for a 1% discount, just by setting up automatic payments.

Get Pre-Approved

Personal Loans. Personalized Service.

Competitive rates. Local financing. Flexible terms. Whatever you have in mind,
our lenders will be happy to help find the right loan for you!

Find a Lender