Bank · FDIC insured
Gate City Bank Auto Loan Rates
Gate City Bank auto loan rates start at 4.99% APR. Rates checked October 22, 2026.
How Gate City Bank’s auto loan rates compare
Compared with banks and credit unions near Fargo, ND-MN, where Gate City Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Gate City Bank
– –
- Discount
- —
No ongoing APR published
Lowest rate
Magnifi Financial
3.99%APR
- Discount
- Included in the rate
2nd-lowest rate
First Community Credit Union
4.74%APR
- Discount
- None included
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
1% rate discount available by setting up automatic payments from a Gate City Bank checking account.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | For terms up to 36 months on vehicles age 2016 or newer with an automatic payment plan using a Gate City Bank checking account. Qualifications for advertised APR include a minimum credit score of 760 and LTV of 110% or less. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.