Anytime Credit

Life doesn't only happen during business hours.

Through Anytime Credit, you can get pre-approved for a line of credit that you can access anytime you need it. Apply only once and whenever you need additional funds, simply transfer the amount you would like by check, by phone, or online. Unlike a typical loan, you make payments only on the credit you’ve actually used.

Product Features
Low Rates

As a nonprofit cooperative, we keep our loan rates low by returning profits to our members in the form of better rates.

No Application Fees

Ever.

Convenient Payment Options

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Apply Conveniently

Apply for a line of credit in the way you find most convenient: online, in a branch, or by telephone.

Simple Terms

Get money when you need it, and pay back only the amount you use in monthly payments.

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Vehicle Options
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Home Options
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Common Links

Frequently Asked Questions

  • What is a land loan?

    A land loan provides you with financing to secure a lot of land and cover the costs for up to 20 years. With Listerhill, you can get a loan on unimproved land. 

    Once you’re ready to build, you can secure a different type of loan to cover construction costs.

  • Who is a HELOC best for?

    If you aren’t sure how much you’ll need to borrow or when you'll need it, a Home Equity Line of Credit is a great option. Access ongoing cash for a set period of up to 10 years with low minimum payments until your withdrawal period is complete. Contrary to a Home Equity Loan, the interest on a HELOC is a variable rate and may be impacted by the status of the economy.

  • Who is a Home Equity Loan best for?

    If you’re the type of person who takes a big-picture view when planning your financial decisions, a home equity loan may make the most sense. Since you’re borrowing a fixed amount at a fixed rate, you can plan how much you’ll pay for the loan in the long run from day one.

  • What can home equity loans be used for?

    Home equity loans provide you with the opportunity to chase dreams to the fullest. Enjoy a vacation with the whole family, invest in a household remodeling project, or even finance an upcoming vehicle purchase with only a few clicks.  If you can dream it, you can achieve it!

  • What type of requirements exist for home equity loans?

    Home equity loans rely on a loan to value ratio (LTV) to disburse funds, meaning that your credit score and home equity value should be fairly substantial to take advantage of all possible benefits. For assistance in the home equity loan pre-approval process, please speak with your local Listerhill Credit Union branch.