Loans (US)
How does the Gate City Bank Personal Loans application works?
Check out how the Gate City Bank Personal Loans application works and learn how to borrow the loan you need to fit your budget and terms!
Gate City Bank Personal Loans application: apply with less than perfect credit
Now, you can follow the step-by-step we have prepared for you to learn how the Gate City Bank Personal Loans application works.
Gate City is a bank that gathers all you need in one place.
It offers a complete range of financial products and services, including accounts, credit cards, investing options, insurance, and lending solutions.
Today, we will review how to apply for a loan.
The bank provides many different types of loans for various purposes, including money for you to buy your new vehicle, boat, RV, ice house, or even to build your dream home.
Also, it offers loans for you to consolidate your student loan debt. The BetterLife Student Loan Program features amounts of up to $100,000 with rates starting at only 2.75% and zero fees.
On the other hand, if you want an auto loan, rates start as low as 4.93%. Now, keep reading to learn how the application works!
Online Application Process
Firstly, it is important to mention that Gate City doesn’t offer prequalification with no impact on your credit score.
However, it considers less than perfect credit.
So, access the official website and fill in the form with your personal and contact information.
In addition, you must provide how much you need to borrow, the terms you want to repay your loan, and the purpose.
Furthermore, the bank will ask you about your financial situation. Therefore, proof of income may be required.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Application Process using the app
After opening your account, download the Gate City mobile app to manage your loan.
Gate City Bank Personal Loans vs. Happy Money Personal Loans
Gate City Bank Personal Loans | Happy Money Personal Loans | |
APR | It starts as low as 4.93% | From 5.99% to 24.99% |
Loan Purpose | Personal (auto, boat, RV, Ice House, student loan debt consolidation, and personalized options) | Personal |
Loan Amounts | It depends on the purpose | From $5,000 to $40,000 |
Credit Needed | It considers fair credit scores | Fair |
Terms | It depends on the purpose | From 2 to 5 years |
Origination Fee | Not disclosed | Up to 5% |
Late Fee | Not disclosed | None |
Early Payoff Penalty | None | None |
Now, if you are interested in finding out more about this alternative, check out how the Happy Money Personal Loans application works.
How to apply for the Happy Money Personal Loans?
Happy Money Personal Loans offers up to $40,000. Check out the review!
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
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