Gate City Bank
Gate City Bank — auto refinance rates as low as 4.99% APR in North Dakota and Minnesota.
See your matched lenders and get prequalified. Takes ~3 minutes.
"Not disclosed" means Gate City Bank does not publish this on their public site. "No restriction" means Gate City Bank explicitly states no limit.
Overview
Gate City Bank says you can buy or refinance a vehicle with it and publishes rates as low as 4.99% APR. Its loans are approved and serviced locally in North Dakota and Minnesota, and it offers a 1% rate discount for setting up automatic payments. Loan amounts and terms aren't published.
What’s great
- As-low-as APR of 4.99%
- 1% rate discount with automatic payments
What to know
- Serves North Dakota and Minnesota
- Loan amounts and terms are not published
Eligibility
| Minimum credit score | Not disclosed |
| APR range | Not disclosed |
| APR floor (as low as) | From 4.99% — minimum only; full range not published |
| Maximum vehicle age | Not disclosed |
| Maximum mileage | Not disclosed |
| Loan amount range | Not disclosed |
| Term length | Not disclosed |
| States served | 2 states |
| Membership requirement | Not disclosed |
FAQ
See your matched lenders and get prequalified. Takes ~3 minutes.
Sources
Every figure on this page is sourced from Gate City Bank's own published materials. Rates, eligibility, and terms can change — verify directly with Gate City Bank before applying.
- [1]Auto Loans — Gate City Bankhttps://www.gatecity.bank/loans/auto-loans/Last checked: October 2026
- [2]Loans — Gate City Bankhttps://www.gatecity.bank/loans/Last checked: October 2026