two young women in swimsuits, raising their arms into the air on a new pontoon, thanks to easy boat loans with Gate City Bank

Boat Loans for More Fun in the Sun.

Don’t miss the boat! From casting your line to towing your friends on the tube, it’s the perfect time to hit the water with rates as low as 6.99% APR.1

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Get Your Feet Wet!

We make boat financing super easy with:

  • Competitive rates

    Save a boatload on your loan with rates as low as 6.99% APR.1
  • Staying local

    Our boat loans are financed and serviced locally, right here in North Dakota and Minnesota.
  • Free pre-approval

    Get pre-approved online, or drop a line to one of our helpful lenders to start your pre-approval today.
  • Catching ya online

    Can’t meet in person, or prefer a digital connection? Signing digitally is a breeze from virtually anywhere.

Apply Online

relaxed gentleman in a baseball cap fishing at sunset after getting a boat loan from Gate City Bank

Catch a Local Lender.

Prefer to trade a few fish stories first? Pick up the phone to tell us about a new boat or ice house that’s catching your eye, or stop by any convenient location. We’d love to help!

Easy Boat Loan Calculator

Start today by calculating your loan payment. With each monthly payment, you pay down a portion of the loan principal, as well as monthly interest on the outstanding balance. Loan payments are amortized so that the monthly payment remains the same throughout the repayment period, but during that time, the percentage of the amount that goes towards principal will increase as the outstanding loan balance decreases.

1 New boat, ice house and RV loans available with rates as low as 6.99% APR (annual percentage rate). Other terms and conditions may apply, and rates are subject to change.