Is Gate City Bank Classic Line of Credit the right fit for you?
Last Updated: 04/18/2025
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Highlights
Amount Range
$5,000 - $100,000
APR (Fixed APR)
N/A
Gate City Bank Classic Line of Credit Review
Gate City Bank Classic Line of Credit is offered through Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank line of credit are available in 2 states.
Gate City Bank Classic Line of Credit FAQ
What APRs does Gate City Bank Classic Line of Credit offer?
Gate City Bank Classic Line of Credit offers an APR , but they do not disclose their rates.
Does the Gate City Bank Classic Line of Credit charge an origination fee?
Yes, Gate City Bank Classic Line of Credit charges a line of credit origination fee of 0% to 5% of the line of creditan amount . Gate City Bank Classic Line of Credit deducts the fee directly from your line of credit amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.Does the Gate City Bank Classic Line of Credit charge a cash advance fee?
Yes, Gate City Bank Classic Line of Credit may charge a fee .Does Gate City Bank Classic Line of Credit charge a late fee?
Yes, Gate City Bank Classic Line of Credit may charge borrowers a late payment fee .How much can you borrow via Gate City Bank Classic Line of Credit?
Upon approval and based on your credit worthiness, your Gate City Bank Classic Line of Credit personal line of credit will be assigned a credit limit of at least $5,000 and as much as $100,000. .
| Cash Advance Fee | N/A |
| Origination Fee | 0% - 5% |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Gate City Bank Classic Line of Credit?
Applicants with a credit score of at least 600 and up to 850 may be eligible for Gate City Bank Classic Line of Credit. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Gate City Bank Classic Line of Credit does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Gate City Bank Classic Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
What is the estimated funding time for a personal line of credit via Gate City Bank Classic Line of Credit?
Gate City Bank Classic Line of Credit will typically fund personal lines of credit within 10 business day s of approval.Does Gate City Bank Classic Line of Credit report your account activity to credit bureaus?
Yes, Gate City Bank Classic Line of Credit 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 line of credit 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.
How to apply for Gate City Bank Classic Line of Credit
- Visit the Gate City Bank Classic Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday7:00AM - 10:00PMTuesday7:00AM - 10:00PMWednesday7:00AM - 10:00PMThursday7:00AM - 10:00PMFriday7:00AM - 10:00PMSaturdayInvalid DateTime - 6:00PM
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