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!

Mom laughing and pouring water over her son in their new soaker tub, thanks to a Gate City Bank home improvement loan

Better Adventures Right at Home.

  • Home Equity Loans

    Dream kitchen. Remodeled bath. Finished basement. Whatever’s on your wish list, we make it easy to get rolling.

  • Home Equity Line of Credit

    Tackling ongoing projects? Choose a revolving line of credit for more flexibility – all with a rate lower than most credit cards.

  • City Programs for Home Improvements

    Stronger neighborhoods. Stronger communities. Learn about special low rates, exclusively for participating cities near you.

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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Personal Loans. Personalized Service.

Low rates. Local financing. Flexible terms. Whatever you have in mind,
our lenders will be happy to help find the right loan for you!

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