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90 Day No Pay

Take out an auto, personal, or recreation loan now until December 31st and enjoy no payments for 90 days*. It’s like giving yourself a holiday bonus without the payment Scrooge.

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We're bringing holiday cheer with 90 days of no payment.

2021 is almost over, but your savings are just starting. Through the rest of this year, you can get a loan with Listerhill and not make your first payment until 2022, turning your holidays into a savings carol. When you bring your auto, personal, or recreation loan to Listerhill, you’ll have up to 90 days* of extra holiday cheer.

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Loans that light up the holidays.

Start your holiday celebrations on the right foot with a personal or auto loan. With no payments starting for your new loan until 2022, it's like the gift (to yourself) that keeps on giving.

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Looking to refinance? Enjoy no payments until 2022 for that, too.

With competitive rates and no payments for 90 days*, there's no better time to refinance your auto, personal, or recreational loan with Listerhill.

Enjoy our low rates.

When it's finally time to start paying back your loan, enjoy competitive rates starting at...

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*Terms and conditions apply. Subject to creditworthiness. Interest will continue to accrue through the deferred payment period. Loans eligible for up to 90 days no payment include auto (including dealer loans), personal, or recreation loans made directly with Listerhill Credit Union. If refinancing an existing Listerhill loan, total loan amount must include a minimum of $2,500 in new money to Listerhill. This promotion excludes mortgages, HELOCS, business loans, Christmas loans, credit cards, lines of credit, share-secured loans, or hardship loans. Other exclusions may apply. Promotion ends December 31, 2021.

**All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Rate.

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Frequently Asked Questions

  • Is there a Listerhill branch in Athens?

    Our Listerhill branch in Athens, Alabama is under construction will be open and ready to serve you in spring 2022! Until then, our closest branch to the Athens, AL area is in Rogersville.

  • How is Listerhill involved with Athens State University?

    Because Listerhill also serves the Athens and Limestone County (Alabama) communities, Listerhill has recently partnered with Athens State in several ways. This includes providing $25,000 for the University’s Reading and Literacy Lab, partnering with the Athens State Alumni Association to provide access to Listerhill’s financial products and services for anyone outside Listerhill’s traditional field of membership, and providing even more free financial literacy courses to complement what the University offers to students and staff members for personal development.

  • What is the benefit of membership with Listerhill?

    At Listerhill, our focus is on “people helping people.” Whether you are looking to purchase your forever home, find your next car for that commute, or open a checking account to manage your everyday finances, we can offer you the support you need from beginning to end.

    As a nonprofit cooperative owned and operated by its members, you own an equal “share” in Listerhill and vote in elections for the Board of Directors and Supervisory Committee. That means your voice is always heard, and in turn, our actions reflect your needs and desires.

  • What is your rate and fee schedule?

    You can access our most current rate and fee schedule by downloading it here.

  • How am I eligible for membership at Listerhill if I don't live near a branch?

    You can become eligible for membership at Listerhill anywhere in Alabama if you join the Alabama Consumer Council or the Athens State Alumni Association. In Tennessee or Georgia, you can also become eligible for membership if you join the Athens State Alumni Association. This membership is initiated at no cost to you and doesn't require any setup on your part outside of the normal application process to become a member of Listerhill.