
Gate City Bank Personal Loans
in Personal Loans from Gate City Bank
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APR (Fixed APR) | N/A |
Loan Amount | N/A |
Loan Term (Months) | N/A |
Gate City Bank Personal Loans Review
Gate City Bank Personal Loans is offered by Gate City Bank, a bank founded in 1923 and based in Fargo, ND. Gate City Bank Personal Loans is available in 2 states across the USA.
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- Hard credit pull required. You can't check your rates or see if you prequalify for Gate City Bank Personal Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
- Origination fees of up to 5%. This is average for lenders that charge origination fees. However, plenty of lenders don't charge them. Origination fees are deducted from the loan amount, so consider them when deciding how much you need to borrow.
- Cosigner applications accepted. Applying for Gate City Bank Personal Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
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What rates and terms does Gate City Bank Personal Loans offer?
Gate City Bank Personal Loans has lower interest rates than the average for lenders reviewed on SuperMoney.
What APR rate does Gate City Bank Personal Loans offer?
Gate City Bank Personal Loans offers a fixed APR personal 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.
Loan Amount | N/A |
Loan Term | N/A |
APR | N/A |
What fees does Gate City Bank Personal Loans charge?
Does Gate City Bank Personal Loans charge an origination fee?
Gate City Bank Personal Loans may charge a loan origination fee of 0% to 5% of the loan amount. Gate City Bank Personal Loans deducts the fee directly from your 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 Personal Loans charge a late fee?
Yes, Gate City Bank Personal Loans may charge borrowers a late payment fee.
Does Gate City Bank Personal Loans charge prepayment fees?
No, Gate City Bank Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
Origination Fee | 0% - 5% |
Prepayment Fee? | No |
Late Payment Fee | N/A |
What do you need to qualify for Gate City Bank Personal Loans?
Applicants with a credit score of at least 600 and up to 850 FICO may be eligible for Gate City Bank Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.Gate City Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Gate City Bank Personal Loans only considers borrowers who are employed. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Gate City Bank Personal Loans. Their rates fall within the limits of The Military Lending Act.
U.S. citizens are, of course, eligible for the services offered by Gate City Bank Personal Loans. Permanent resident / green card holders are also eligible to apply.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license
- Government issued photo ID
- Proof of identity
Minimum Age | 18 |
Bank Account Required? | No |
Application Types Accepted |
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Credit Score | 600 - 850 FICO |
What is the estimated funding time for a personal loan via Gate City Bank Personal Loans?
Gate City Bank Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal loans within 10 business days of approval.
Does Gate City Bank Personal Loans report your account activity to credit bureaus?
Yes, Gate City Bank Personal Loans reports your account activity to the following credit reporting agencies:
- 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 improve your credit.
Contact
- Headquarters
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P.O. Box 2847
Fargo, ND 58108 - (800) 423-3344
- Visit Site
Other Services by Gate City Bank
Availability
- Minnesota
- North Dakota
Feature Breakdown
No Prepayment Fee | |
Origination Fee (%) | 0% - 5% |
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