How can I check my personal loan application status?

Not long at all! You can expect to hear back on the status of your personal loan application within one business day. Because steps required to close on a personal loan product vary, wait periods may fluctuate. On average, expected timeframes are:

• Auto loans: Can be completed within one business day, if lender has required documentation.
• RV loans: Can be completed within one business day, if lender has required documentation.
• Boat loans: Can be completed within one business day, if lender has required documentation.
• Home Equity loans: May take up to four weeks to close, including required wait period of 10 days from date of application.

We encourage you to ask a personal lender of timeline expectations in your initial communications to best prepare expectations.

You sure can! Easily apply at any of our convenient locations, online, over the phone or via email.

Interest rates are determined based on the type of personal loan, collateral and terms. (Note: We offer a 1% discount on some personal loans with automatic payment from a Gate City Bank checking account.) Current rate information is available for:

• Auto loans
• Home Equity loans
• Boat loans
• RV loans
• Ice house loans

Great question! Common types of collateral used include houses, cars, boats, RVs, motorcycles and certificates of deposit (CDs).

We’re here to help make the process easy for you! Start by giving us a call at 701-293-2400 or visiting one of our convenient locations to get your payoff amount quoted. Once you know that amount, we’ll help you make a payment from your Gate City Bank account. If you don't have an account with us, you can simply stop by any location to drop off a check or mail your payment to one of our offices.