Relaxed Gen Z woman with earbuds and black rimmed glasses, applying for a debt consolidation loan on her phone in Fargo, ND

Debt Consolidation Loans for Breathing Easy.

Have multiple loans or credit cards? Simplify your finances, and consolidate your balances with one easy payment.

Apply Now

One Payment. More Perks.

By combining multiple higher-rate balances, you may be able to:

Pay off
Debts Faster

Save Time

Lower Your
Monthly Expenses

Real Financing for Real Life.

At Gate City Bank, we know debt consolidation isn’t one-size-fits-all. Depending on your goals, we can help you understand all of your personalized options – and consolidate your debt in a way that works best for you.

  • Local loans you’ll love

    Locally approved. Locally financed. Locally serviced. Whenever you have questions, we’re right down the street.

  • Competitive fixed rates

    Talk with a lender near you, and ask about today’s rates!

  • Flexible term options

    You’ve found a personal loan that really is personal. Our experienced lenders offer a variety of flexible terms to fit your goals.

  • Discount with automatic payments

    By having a personal loan and a checking account at Gate City Bank, you may also qualify for a 1% discount, just by setting up automatic payments.

Get Pre-Approved

“I’ve always banked with Gate City and decided to get a loan for debt consolidation. The lender who helped me was really good, and the application was fast. It only took one day to get the loan. They are always on top of it!”

– Talia K., Fargo, ND

Happy young woman in denim shirt shaking hands with her Gate City Bank personal lender in Fargo, ND

Debt Consolidation Calculator

Wondering how much you may be able to save and reduce your monthly expenses? Use the handy calculator below to estimate your monthly payment.

a happy woman holding a tablet and debit card sits on her couch to read Gate City Bank’s tips for consolidating debt

5 Helpful Tips to Consolidate Debt.

From merging balances into one loan to using your home’s equity, check out five simple ways to consolidate debt and help keep your finances on track.

More Ways to Give Yourself Credit.

adoring mom giving her son a bubble bath in a new clawfoot tub, thanks to a home equity loan from Gate City Bank in ND

Home Equity Loans

Finance that remodel, pay for higher education or even consolidate debt – all at a fixed low rate.

young family hangs out next to new pool they obtained with a home equity line of credit

Home Equity Line of Credit

For ongoing projects, open a revolving line of credit with a lower rate than most credit cards.

happy young woman talks on phone from car backseat while enjoying line of credit

Classic Line of Credit

Enjoy fast and flexible access to funds with a classic line of credit! Borrow up to a set limit to cover multiple expenses – whenever you need.

Smiling brunette with long braids, reading the easy steps to consolidate her student loans with Gate City Bank on her phone

BetterLife™ Student Loan

Are your student loans holding you back from buying a home? Learn how our unique program could help you pay off your student loans faster with no fees and fixed interest rates. Say hello to future planning!