smiling woman looking at the horizon from her new RV

Recreational Loans for Every Adventure.

You only live once. Whether you’re dreaming of a new boat, RV or ice house, make your move with rates as low as 6.04%1.

Apply Now

happy boy in parka holding up his prize catch while ice fishing

0 Payments for 120 Days.1

Start picturing those weekends at the lake with no payments for 120 days, only for a limited time!

Catch the Deal

Oh Hello, Happy Place!

Your dream escape is closer than you think! You plan your adventure, and we’ll take care of the rest:

  • Low Rates = More Road Trips

    Contact a lender to learn how much you could save with rates as low as 6.04%!1
  • You Venture Out, We’ll Stay Local

    100% of our recreational loans are approved, financed and serviced locally. Wherever you roam, our convenient locations across North Dakota and central Minnesota are always here to help.
  • Gas Up With Free Pre-Approvals

    Reach out to one of our lenders to start your pre-approval today!
  • We Just Became (Digital) Best Friends

    Can’t meet in person, or prefer an online connection? No problem! Easily find a lender to assist you, and we'll keep the entire process online for you. Digital signing is a breeze, and usually only takes seconds.

Welcome to your happy place! Get started with a recreational loan today.

Apply Now

We Know Exactly Why You’re Here.

two goofy young women in sunglasses cruising in their new boat

For More Fun in the Sun.

Fishing boats. Pontoons. Sport boats. Get excited for epic weekends at the lake!

Hit the Waves
young parents and son have fun camping out after securing a great RV loan

For a Better Front-Row Seat to the World.

Campers, motorhomes, trailers and RVs – whatever your pleasure, we have excellent loan options for you.

Let's Roll
snag your limit with an ice house loan

For Better Ice-Cold Adventures.

Days are simply better spent out on the ice. Track where the fish are going to be while easily estimating your loan payment with our simple loan calculator!

Fish On

two girls laughing beside their motorcycles on a country road

More for the Open Road.

Have something else in mind? From motorcycles to jet skis to snowmobiles, our local loans make it easy to grab the keys.

get a loan discount with automatic payments from your checking account

Discounts to Keep You Rolling.

With the 1% discount you can receive on your personal loan when you set up automatic payments from a Gate City Bank checking or savings account, extra snacks and more pitstops for your next adventure are a must.

1 Offer available on applications received January 16 – April 30, 2023. New boat, ice house and RV purchase loans available with rates as low as 6.04% APR (annual percentage rate) and no payment for the first 120 days. Interest will accrue during the 120 days period. Other terms and conditions may apply. Rates are subject to change.