All locations will be closed on Thursday, December 25, in observance of Christmas. Have a wonderful holiday!

Low Rate vs. Cash Back Calculator

Vehicle manufacturers often offer incentives, such as cash back rebates or special low rates. Not sure which one to choose? While a low rate may sound more attractive, you might be better off choosing the cash rebate, reducing the size of your loan and financing with your local bank. Use this calculator to see which is the better deal!

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

Auto Loans Made Easy.

Trusted. Local. Personalized. From buying to refinancing, we’ll make the process simple for your next car, truck or SUV – complete with friendly support right down the road.

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Related Resources for You.

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.

a man sits beside his dog under his car’s open hatch after reading an article on buying a new car vs used from Gate City Bank
Estimated read time: 4 minutes

Buying a New Car vs. Used: 8 Key Points to Drive Your Decision

Discover eight important factors to help you decide whether a new or used car is the best fit for your needs and budget.

a joyful woman leans out of her car window after asking, how much car can I afford, and learning insights from Gate City Bank
Estimated read time: 2 minutes

How Much Car Can I Afford?

Affordability is key when buying a car. Shop with confidence by exploring our insights on financing, extra costs, buying used versus new and more!

a happy lender sits down to provide solutions and answer her customers’ questions about their Gate City Bank personal loan

Personal Lenders

Whatever your goals may be, our knowledgeable lenders can’t wait to assist you with competitive rates, local service and free pre-approvals.