Skip to Content

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.


All branches will be self-service only Monday, October 9th, for Columbus Day. Normal business hours will resume Tuesday, October 10th. Smart ATMs and Online and Mobile Banking will remain available.

Woman Looking at Receipts

7 Ways You Can Use A Personal Loan

Every season brings its own reasons for fun and excitement, but they can have a high price tag.

When starting a new life chapter, many people’s first instinct is to turn toward credit cards to cover the costs. But before you start swiping the plastic for everything, we recommend an alternative option that will help keep you within your budget. You may want to consider a personal loan to stay within your budget.

When you apply for a personal loan instead of racking up credit card debt, you are making a responsible choice that can positively impact your finances for years to come.

To help you accomplish this, we've outlined seven ways to responsibly use a personal loan to pay for different needs, wants, and goals.

1. When you're getting married

According to Business Insider, the average wedding in 2021 cost around $22,500. That’s a lot of money you may not have sitting around. If you’re tying the knot this year, you may want to consider taking out a personal loan to help cover wedding costs. You can use your loan to fund the larger expenses, such as your rings, wedding dress, and venue (typically the most expensive part), or to cover the smaller costs like the flowers, travel arrangements, and photographer.

2. While you're purchasing a new home

Whether you’re moving a few blocks or a few states away, moving costs can be prohibitive. You’ll need to consider the expense of moving supplies: paying the mover, plus the cost of new furniture and other household items to help turn your new residence into a home.

There can also be other incidental expenses: eating out while you’re without a kitchen, staying in hotels, and transportation costs for you and your family.

Taking out a personal loan to help you cover these expenses can make a household move a lot less stressful. Don't forget we offer great rates on home mortgages!

3. While you're purchasing a vehicle

If you’re looking to buy a new car soon, an option you may not have considered is a personal loan. Similarly, if you’re interested in purchasing a boat, ATV or an RV, a personal loan can help you turn that dream purchase into a reality without the exorbitant interest rate that can come with loans specifically for these types of vehicles.

4. While you're consolidating debt

What better way to feel free and get organized than getting rid of any nagging credit card and student loan debt? Debt consolidation can put you on the right track.

Paying off multiple loans and credit card bills each month can make you feel like you’re fighting an uphill battle thanks to skyrocketing interest rates. Wouldn’t life be simpler if you only had one debt with a nominal interest rate? A personal loan can make that happen.

5. When you're taking a dream vacation

Are you considering a luxury cruise or trip abroad? You might be celebrating a milestone anniversary or college graduation, or just want to cross a visit to a special destination off your bucket list.

Whatever your vacation goals, your budget may not be equipped for the tens of thousands of dollars you need to make your dream getaway a reality. A personal loan can help you fund the trip of your dreams with a payment plan you can afford so you won’t need a vacation from debt when you return.

6. While you're renovating or maintaining your home

Not all homeowners have a great deal of equity in their homes. Consequently, they are not good candidates for either a fixed Home Equity Loan, or a Home Equity Line of Credit (HELOC). For these borrowers, personal loans may be a better option for home repairs, maintenance, and improvement.

Whether it’s installing a swimming pool, giving your kitchen a complete makeover, or turning your garage into a guest suite, a personal loan can make it possible.

7. When you need to fund medical expenses

If there are medical procedures you’ve been putting off because they’re not covered by your health insurance plan, a personal loan can help you look and feel your best. A personal loan can help borrowers fund elective cosmetic surgery, dental work, fertility treatments, and even consulting with alternative practitioners about chronic health conditions.

For those extra medical bills, a personal of loan can help you with affordable monthly payments.

Make Changes Without Breaking the Bank

No matter if you want to borrow money for home improvements, auto loans, or the celebration (or the trip) of a lifetime, a personal loan can make it happen. The opportunity is there. Don’t let the perceived hassle of the loan application process keep you from funding your needs.

At Listerhill, the application process is quick and smooth. You can get started with your personal loan application from the comfort of home by clicking here.

default icon for Solution Finder Intro
What can we help you with?
default icon for Checking For Mature Members
What are you borrowing for?
default icon for Checking For Mature Members
Vehicle Options
default icon for Checking For Mature Members
Home Options
default icon for Carrolls
What are you saving for?
default icon for Carrolls
How old are your kids?
default icon for Cord
Which of these banking options are you interested in?
default icon for Cord
How old are you (or your child)?
default icon for Cord
How old are you?
default icon for Cord
What kind of account are you looking for?
search popup background

What are you looking for?

Common Links

Frequently Asked Questions

  • What is the Listerhill Credit Union service area?

    We offer membership to people who live, work, worship, or attend school in northwest Alabama and south-central Tennessee. Community donations are available to nonprofits based within these areas.

  • What kinds of causes do you tend to support?

    We aim to support a wide range of non-profit organizations that are contributing to community development and enrichment in our focus areas. Your nonprofit may be eligible to receive a donation for things like improving schools, boosting economic development, helping underserved communities with food or clothing, or even providing affordable housing.

  • When should I submit my request for community donations?

    Requests must be submitted at least two weeks in advance of the time when you need the funds or prior to the event you are fundraising for.

    This is because our socially responsible investment strategy requires that we have time to go over each request and make sure we are using the credit union's community donations in the most impactful way.

  • I'm having technical difficulties. Who should I contact?

    Please contact us at, using our chat bubble in the bottom right corner or by calling us at 256-383-9204 for assistance.

  • Can I use ClickSWITCH to switch my bill payments?

    Since bill payments are not automatically recurring, you're not able to use ClickSWITCH for them.