FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Our Mortgage Rate Relief Program is back, offering rates approximately 1.5% lower than current market rates to eligible homebuyers. Find out if you qualify today!

Three happy friends in Fargo, ND, heading out for a road trip thanks to an easy auto loan with Gate City Bank

Easy Auto Loans 
for the Road Ahead.

Thinking about buying a new or used vehicle? We'll make it easy to get rolling with rates as low as 5.35% APR.1

Apply Now

young woman smiling and leaning out the window of her new car, purchased with a Gate City Bank auto loan in Fargo, ND

Special Offer: 
0 Payments. 90 Days.2

Your next adventure is around the bend! Get cruising with no payments for 90 days and no origination fees ($130 savings) – only for a limited time.2

Apply Here

Don’t Worry. Drive Happy!

Our team of lenders is here to help map your auto loan journey with competitive rates, excellent service and a process that’s super quick and easy. You can drive off the lot in as little as a day3 with these sweet perks in your back seat:

  • You drive away, we’ll stay local

    Our auto loans are financed and serviced locally in North Dakota and Minnesota. That means if you have questions or need attention, you’ll never be redirected to a random number.

  • Simple pre-approvals

    They’re free and fast! Make an appointment with an experienced lender to start your pre-approval today.

  • Easy auto loan calculators

    When you use our simple and helpful auto loan calculators, you’ll get a quick pulse check on payment amounts and how loan terms can change those amounts.

  • Let’s meet online

    Can’t meet in person, or prefer an online connection? Make an appointment with one of our knowledgeable lenders in ND or MN! They’ll guide you through the entire process and send you documents via safe and secure links, which you can conveniently access anywhere. Signing is a breeze, and usually only takes seconds.

Start your engines! Better road trips are just around the bend.

Apply Now

smiling woman looking at the horizon from her new RV

Oh Hello, Happy Place!

Whether it’s on the ice, water or open road, we’ve got the keys to your next adventure.

Let's Go
enjoy a loan discount with automatic payments from your checking account

Take Your Discount on the Road.

With the 1% discount you can receive on your loan with automatic payments and a Gate City Bank checking account, you can bring a friend on your next road trip ­– and you can pick up the snacks!

Let's Roll
consider more flexibility and low interest rates with a classic line of credit

Options to Keep You Moving.

A classic line of credit is a flexible way to access money as needed. You’ll enjoy competitive rates to keep you on the move!

Here We Go

1 Rates as low as 5.35% APR (annual percentage rate) for auto loan terms of up to 36 months for vehicles age 2015 or newer, along with an automatic payment plan using a Gate City Bank checking account. Qualifications for advertised APR include a minimum credit score of 760 and LTV (loan-to-value) of 90% or less. Offer not valid on Gate City Bank lines of credit. Other terms, conditions and current loan qualifications apply. Rates subject to change. Example: A $25,000 auto loan at a 5.35% interest rate for 36 monthly payments of $753.21 will have a 5.35% APR.

2 Offers available on applications received April 1 – May 31, 2025. No payment for the first 90 days and no origination fees available only on new or used auto purchase or external refinance auto loan applications. Interest will accrue during the 90-day introductory period. Other terms, conditions and qualifications may apply. Offer not valid on refinances for existing Gate City Bank auto loans.

3 Subject to application and collateral approval.

Better Personal Loans.

Competitive rates, flexible terms and convenient payment scheduling are just a few of the benefits you can expect when you lend with us. Our lenders can’t wait to assist you!

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