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Two young women wearing sunglasses in Fargo, ND, driving their new car thanks to a Gate City Bank auto loan

Auto Loans Made Easy.

Thinking about buying a new or used vehicle? We'll make it easy to get rolling with rates as low as 4.49% APR.1

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Proudly Local in ND & MN

Competitive Rates

Free & Fast Pre-Approvals

Flexible Terms

Don’t Worry. Drive Happy!

Our experienced team of lenders is here to help with competitive rates and a process that’s super quick and easy. Plus, you can drive off the lot in as little as a day.2

  • Local loans

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

  • 1% rate discount

    Receive a 1% rate discount on your auto or other personal loan, just by setting up automatic payments from your Gate City Bank checking account.

  • Simple pre-approvals

    It’s easy! Apply online, stop by any location or set up a time with your choice of personal lenders near you.

  • Easy digital signing

    Can’t meet in person or prefer an online connection? Just ask! Our lenders will guide you through the entire process and send you documents via safe and secure links, which you can access anywhere. Signing is a breeze and usually takes seconds.

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Thirtysomething man in denim shirt, smiling at his golden retriever in the backseat of his used car

Refinance Your Ride for Better Rates & Terms.

Already have a car loan? By refinancing with us, you may be able to save on interest and lower your monthly payments – complete with personalized service by your side.

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Free Auto Loan Calculator

Not sure how much you should spend? Let’s test drive the numbers! Try our easy car loan calculator to estimate your monthly payment.

More Resources for the Road Ahead.

Teenage girl driving her first car with her dad after getting an auto loan from Gate City Bank.
Estimated read time: 3 minutes

Buying Your Teen’s First Car: 5 Steps to a Smooth Ride

Buying a car for your newest driver is an exciting time, but it can also come with many questions. Here are five steps to help you and your teen find the perfect ride.

Young woman drinking coffee at a car dealership, using a calculator on her phone to compare rates and rebates

Low Rate vs. Cash Back Calculator

Did you know that you may be able to take advantage of dealer incentives and still finance with us? Use this easy calculator before you visit a dealership!

a happy woman glances out of a car window after reading Gate City Bank’s insights for determining the best time to buy a car
Estimated read time: 3 minutes

Best Time to Buy a Car: 7 Factors to Consider

When considering the best time to buy a car, explore seven key factors that could help you get a better deal.

silver-haired biker at sunset in ND, unbuckling his helmet after riding a chopper thanks to a Gate City Bank motorcycle loan

Motorcycle Loans and More Sweet Rides

Open roads. Open water. Whatever you love, we make it easy to finance your ride with easy loans for motorcycles, jet skis, ATVs and more.

1 Rates as low as 4.49% 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 4.14% interest rate for 36 monthly payments of $743.50 will have a 4.49% APR.

2 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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