Auto Loans

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Low Rates Are Our Jam!

With auto loan rates as low as 2.35% APR,* now is a great time to purchase or refinance a vehicle.

Getting started has never been easier with FREE pre-approvals, a simple online application and fast, local decision making. Take the first step toward getting a better auto loan. Apply online or visit with our expert personal lenders.

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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.

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*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.