three excited women in sunglasses sitting in a new car, embarking on a road trip thanks to Gate City Bank personal loans

Personal Loans to Fuel Your Passions.

Taking a road trip with your friends. Relaxing at the lake. Hitting the open road on that motorcycle you’ve always wanted. Wherever your next adventure is calling, we’ll help you get there.

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Better Tomorrows Begin Today.

Auto Loans

Cruise toward that new (or new-to-you) vehicle with our free pre-approvals, and you could drive off the lot in a day.

Boat, RV &
Ice House Loans

Start picturing your weekends at the lake with a new pontoon, motorhome and more.

Student Loans

With our BetterLife™ Student Loan program, consolidate student loan debt with no fees and a low fixed rate.

Classic Line of Credit

Enjoy more flexibility and an interest rate lower than most credit cards. Perfect for projects or that long-awaited vacation!

More Choices for Your Next Move.

No collateral? No problem! Choose an unsecured loan for debt consolidation, vacations and more. Or, if you have a Gate City Bank certificate of deposit, use a CD-secured loan to borrow money without any withdrawal penalty. You’ll even keep earning interest on your CD balance!

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All the Perks. All Yours.

  • 100% local with low rates

    Locally approved. Locally financed. Locally serviced. If you have questions, you’ll never be redirected to a random number.
  • Easy calculators

    Try our personal loan calculators to get a quick pulse check on payment amounts.
  • Convenient digital signing options

    Can’t meet in person, or prefer an online connection? Signing digitally is safe, secure and usually only takes seconds.
  • Discount with automatic payments

    By having a personal loan and a checking account at Gate City Bank, you may qualify for a 1% discount, just by setting up automatic payments.

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