
Gate City Bank Personal Loans
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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 loan are available in 2 states across the USA.
Key Takeaways
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- Origination fees of 0% to 5%. This is average for lenders that charge origination fees. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money 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.
Gate loan Pros & Cons
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Gate loan FAQ
What interest rates and personal loan terms does Gate loan offer?
Gate loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Gate loan offer?
Gate loan offers a fixed APR personal loan product but they do not disclose their interest rates.
Personal Loan Amount | N/A |
Loan Term | N/A |
APR | N/A |
What fees does Gate loan charge?
Does Gate loan charge an origination fee?
Gate loan may charge a personal loan origination fee of 0% to 5% of the personal loan amount. Gate loan deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Gate loan charge a late fee?
No, Gate loan will not charge you a late fee if you miss one of the monthly payments.
Does Gate loan charge prepayment fees?
No, Gate loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
Origination Fee | 0% - 5% |
Prepayment Fee | No |
Late Payment Fee | No |
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 and permanent resident / green card holders are eligible to apply for the services offered by Gate City Bank Personal Loans.
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 loan?
Gate loan will typically approve (or deny) a loan application within 24 hours and fund 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.
Are Gate City Bank Personal Loans legit?
Gate City Bank was founded in 1923, it is a well-established company that has been in business for 100 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
Contact
- Headquarters
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P.O. Box 2847
Fargo, ND 58108 USA - (800) 423-3344
- Visit Site
- Email Support
Other Services by Gate City Bank
Availability
- Minnesota
- North Dakota
Feature Breakdown
No Prepayment Fee | |
Origination Fee (%) | 0% - 5% |
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