Relaxed Gen Z woman with earbuds and black rimmed glasses, applying for a debt consolidation loan on her phone in Fargo, ND

Debt Consolidation Loans for Breathing Easy.

Have multiple loans or credit cards? Simplify your finances, and consolidate your balances with one easy payment.

Apply Now

One Payment. More Perks.

By combining multiple higher-rate balances, you may be able to:

Pay off
Debts Faster

Save Time

Lower Your
Monthly Expenses

Real Financing for Real Life.

At Gate City Bank, we know debt consolidation isn’t one-size-fits-all. Depending on your goals, we can help you understand all of your personalized options – and consolidate your debt in a way that works best for you.

  • Local loans you’ll love

    Locally approved. Locally financed. Locally serviced. Whenever you have questions, we’re right down the street.

  • Competitive fixed rates

    Talk with a lender near you, and ask about today’s rates!

  • Flexible term options

    You’ve found a personal loan that really is personal. Our experienced lenders offer a variety of flexible terms to fit your goals.

  • Discount with automatic payments

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

Get Pre-Approved

“I’ve always banked with Gate City and decided to get a loan for debt consolidation. The lender who helped me was really good, and the application was fast. It only took one day to get the loan. They are always on top of it!”

– Talia K., Fargo, ND

Happy young woman in denim shirt shaking hands with her Gate City Bank personal lender in Fargo, ND

Debt Consolidation Calculator

Wondering how much you may be able to save and reduce your monthly expenses? Use the handy calculator below to estimate your monthly payment.

joyful young man takes advantage of financial education resources from Gate City Bank

Grow More Than Just Your Credit Score.

Whether it’s credit cards, emergency savings or countless other money topics, our education articles and videos are designed with your future in mind.

More Ways to Give Yourself Credit.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

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.

happy young woman talks on phone from car backseat while enjoying line of credit

Line of Credit

Looking for fast and flexible funds without being burdened by the higher interest rates that come with most credit cards? We’ve got you covered. Your dreams for tomorrow are within reach today with a line of credit.

Smiling brunette with long braids, reading the easy steps to consolidate her student loans with Gate City Bank on her phone

Goodbye, Expensive Student Loans. Hello, Future Home!

Are your student loans holding you back from buying a home? Learn how our unique program could help you pay off your student loans faster with no fees and fixed interest rates. Say hello to future planning!