undefined

Warm Up with Low Rates

Whether you’re looking to purchase a new car or refinance your current vehicle, now’s the time to take advantage of our auto loan rates as low as 2.35% APR.*

Getting started is easy with FREE pre-approvals, a simple online application and fast, local decision making. Take the first step! Visit with our knowledgeable personal lending team or apply online.

Apply Now 


Personal Loan Options to Fit Your Every Need, Including Financing for:

  • Ice houses, boats and RVs – with no payments for up to 120 days!**
  • Snowmobiles to glide through the fresh powder.
  • Motorcycles to take in the open road.
  • And more!

*Rates as low as 2.35% APR (annual percentage rate) available with a 36-month or less term and a vehicle age of 2018 or newer, with an automatic payment plan using a Gate City Bank checking account. Offer not valid on Gate City Bank lines of credit. Other terms and conditions may apply. Current loan qualifications apply. Rates subject to change. Loan payment example: A $20,000 auto loan at a 1.99% interest rate for 36 monthly payments of $572.76 will have a 2.35% APR.

**Offer available through April 30, 2021. Rates as low as 4.51% APR (annual percentage rate) available with a 60-month or less term, with an automatic payment plan using a Gate City Bank checking account. To qualify for 120 days with deferred payments, loan-to-value must be at 90% or less on a purchase loan. Current loan qualifications apply. Other terms and conditions may apply. Offer not valid on refinanced loans or Gate City Bank lines of credit. This deferred payment program may be terminated at any time without notice. Interest will accrue during the no payment period. Loan protection insurance products purchased with the loan expire on the original maturity date. Terms and rates subject to change. Loan payment example: A $25,000 recreational loan at a 4.33% interest rate for 60 monthly payments of $464.15 will have a 4.51% APR.