Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
N/A
Credit Score Range
600 - 850
Loan Term (Months)
N/A
Gate City Bank Auto Loans Review
Gate City Bank Auto Loans is offered by Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank auto loan are available in 2 states.
Gate City Bank auto loan FAQ
What APR does Gate City Bank auto loan offer on its car loans?
Gate City Bank auto loan offers a fixed apr car loan product but they do not disclose their rates.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
Does Gate City Bank auto loan charge an origination fee?
Yes, Gate City Bank auto loan may charge a loan origination fee of 0% to 5% of the auto loan amount . Gate City Bank auto loan deducts the fee directly from your auto loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.
Does Gate City Bank auto loan charge a late fee?
Yes, Gate City Bank auto loan charges borrowers with a late payment penatly fee
Does Gate City Bank auto loan charge prepayment fees?
No, Gate City Bank auto loan will not charge you a fee for paying your loan early. Whenever possible choose lenders like Gate City Bank auto loan that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my Gate City Bank auto loan loan?
Yes, you can. Gate City Bank auto loan does not charge a prepayment fee, so you can save money by paying your car loan early.
What do you need to qualify for Gate City Bank Auto Loans?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Gate City Bank Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Gate City Bank Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Gate City Bank Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
What is the estimated funding time for a car loan via Gate City Bank auto loan?
Gate City Bank auto loan will typically fund the car loan within 10 business days of approval.Does Gate City Bank Auto Loans report your account activity to credit bureaus?
Yes, Gate City Bank Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Gate City Bank perform a hard credit pull?
Yes, Gate City Bank auto loan performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is Gate City Bank a legit company?
Gate City Bank was founded in 1923, it is a well-established company that has been in business for 103 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Message from Gate City Bank auto loan
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
Invalid DateTime - 6:00PM