experience your next adventure with a gate city bank personal loan

Hit the Road With Better Personal Loans

You’ve envisioned it for a while now: Grabbing your friends, packing the snacks and finally heading toward adventure. Your bags are loaded up, the route is planned and your dream car is cruising on the open road. We'll help you get there.

Embrace adventure with low rates, flexible options and convenient payment scheduling. We’ll help you get ahold of that new (or new-to-you) car, the sporty new boat or the spacious RV you’ve been dreaming of. It’s up to you to take the first step:

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Better Tomorrows Begin Today.

The adventures ahead are filled with many surprises – including low rates and flexible terms that fit any lifestyle.

Better Road Trips

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

Choose Your Path

That new boat, RV, ice house or other recreational vehicle is waiting…let’s get a move on!

Oh Hello, Student Loans

With our BetterLife™ Student Loan program, you can consolidate student loan debt at a low fixed interest rate with no fees. Say what?!

Fast Money, Lower Rates

Take a break from credit cards and try something different – a classic line of credit. You’ll enjoy more flexibility and low interest rates for that home renovation or much-needed vacation.

We’re the Perfect Adventure Companion.

  • You Travel the World, We’ll Stay Local

    100% of our personal loans are approved, financed and serviced locally. That means if you have questions or need attention, you’ll never be redirected to a random number.
  • Simple Pre-Approvals

    They’re free and fast! Plus, experienced lenders help make the process easy.
  • Our Easy Loan Calculators Can Help

    When you use our simple and helpful loan calculators, you’ll get a quick pulse check on payment amounts and how terms can change those amounts.
  • Let’s Meet Where You Are

    Can’t meet in person, or prefer an online connection? When you reach out to one of our knowledgeable lenders, they’ll guide you through the entire process. We’ll send you documents via safe and secure links, which you can conveniently access anywhere. Signing is a breeze, and usually only takes seconds.

Still Haven’t Found What You’re Looking For?

More than just a song, we’re here to help – because we care. Discover a loan or line of credit that fits any situation and lifestyle.

cover short-term cash needs with a reserve line of credit

More Bang for Your Buck.

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

Personal Checking
finance your lot while preparing to build your dream home

Blueprints Should Be Your Only Concern.

Finance your lot while you prepare to build your dream home ­– a one-of-a-kind option! (Pssst: We may be able to lend up to 90% of your lot’s value!)

Bring It Home
easily borrow from your certificate of deposit with a share secured loan

Secured Loans to Brag About.

Our CD secured loans are the perfect option for anyone who has a Gate City Bank certificate of deposit (CD). Easily borrow money without an early withdrawal penalty. What’s even better? You’ll continue to earn interest on your CD balance!

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gate city bank unsecured loans don’t require collateral

No Collateral? No Problem!

Whether you're interested in a home improvement project, consolidating credit card debt or funding a much-needed vacation, our unsecured loans are a perfect option that doesn’t require collateral.

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young couple dancing in a white remodeled kitchen after getting a home equity loan

Home Equity Loans

Have you ever considered borrowing against your home to cover another expense? With our home equity loans, you can easily do a remodel, go on vacation, consolidate debt and more – all at a competitive fixed interest rate.

young family hangs out next to new pool they obtained with a home equity line of credit

Home Equity Line of Credit

Need quick access to cash? Our revolving home equity line of credit gives you the flexibility to cover expenses. So go ahead: landscape the yard, consolidate debt and more – all with an interest rate that’s lower than most credit cards.

Laughing family moves into new home after getting a mortgage from Gate City Bank

Home Loans

We have home loan options that are perfect for every life stage! Our lenders and digital options make the process easy.

enjoy no fees and a low fixed interest rate with the betterlife student loan

Goodbye, Expensive Student Loans. Hello, Future Home!

Are your student loans holding you back from buying your home? Our BetterLife™ Student Loan program helps pay off student loans faster and save you money with no fees and a low fixed interest rate. Say hello to future planning!