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We make boat financing super easy with:
Competitive rates
Save a boatload on your loan with rates as low as 6.49% APR.1Staying 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.Discounts with automatic payments
By having a personal loan and checking account at Gate City Bank, you may qualify for a 1% discount.
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!
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 Rates as low as 6.49% APR (annual percentage rate) for loan terms up to 60 months with an automatic payment plan using a Gate City Bank checking account. Qualifications for advertised APR include a minimum credit score of 760, LTV (loan-to-value) of 80% or less and 60-month loan term. Offer not valid on Gate City Bank lines of credit. Other terms, conditions and current loan qualifications apply. Rates subject to change. Example: A $30,000 boat loan with a 6.31% interest rate for 60 monthly payments of $586.85 will have a 6.49% APR.
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