Auto Loans


Low Rates are Our Jam!

With auto loan rates as low as 3.53% APR,* now is a great time to purchase or refinance a vehicle. Start your engines – it’s never been easier!

Experience FREE pre-approvals! Expedite the application process and shop for a car with confidence. With your pre-approval, we will back your financing and you can drive off the lot in a day!**

Already have your dream vehicle picked out? Gate City Bank offers a simple online application process, as well as fast, local decision making, all within a one-day turnaround.

What are you waiting for? Take the first step toward a better auto loan. Apply online or visit with our expert personal lenders!

Apply Now 

Personal Loan Options for Every Need, Including Financing for:

Estimate Your Car Payment

Use our helpful auto loans calculator to estimate how much you may be able to spend on a vehicle.

Get Started

*Rates as low as 3.53% APR (annual percentage rate) available with a 36-month or less term and a vehicle age of 2019 or newer, with an automatic payment plan using a Gate City Bank checking account. Current loan qualifications apply. Other terms and conditions may apply. Rates subject to change. Loan payment example: A $25,000 auto loan at a 3.24% interest rate for 36 monthly payments of $732.89 will have a 3.53% APR.

**Subject to collateral approval.