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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.

Auto Loans

Drive away knowing you made the best financial decision.

Shopping for a car poses so many questions. New or used? Automatic or standard? Cloth or leather? Selecting the right loan shouldn’t be as hard. We make it easy. We are here to help you find what works best for you, without the hassle.

Our auto loans boast these competitive features:

  • Low interest rates
  • No application fees — ever
  • Borrow 100% of the vehicle's cost
  • Flexible payback options
  • Convenient application process and payment options

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.

Get Started with Our Speedy Application
Apply in 10 minutes or less.

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.

Product Features
Competitive Rates

As a nonprofit cooperative, we keep our loan rates competitive 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.

Borrow Up To 100%

Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.

Apply Conveniently

Apply for an Auto Loan in the way you find most convenient: online, in a branch, telephone, or complete it all on-site at a participating dealership.

Pay Back On Your Terms (Auto Loan)

Pay at a pace that is right for you with terms up to 96 months.

Waived Maintenance Fee

Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.

Speedy Application (General Loans)

Apply for your loan in 10 minutes or less with our quick, easy online application.

Auto Refinance
Get more than just a low rate.

Getting a lower rate is the crux of refinancing your auto loan. But did you know there’s more to be gained when you refinance? We can help you get more than the low rates you’re looking for, we can help you gain flexibility, convenience and more with our auto refinancing options.

Participating Dealerships
Vehicle and loan on the spot.

When you purchase your new or used recreational vehicle at a participating dealership, you can finance your vehicle through Listerhill and complete your transaction on the spot. All of the paperwork is taken care of at the dealership. You enjoy the same great Listerhill rates and services without an additional trip to your local branch.

Auto Loans

Effective 11/1/2024
Loans APR as low as (%) Term (Months/Years)
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.49% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.74% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.04% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.79% 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 8.54% 96 months
Previous 3 Years and up - More Than 30,000 miles 6.74% 66 months
Previous 3 Years and up - More Than 30,000 miles 7.04% 72 months
Used Auto (4-6 years old) 7.24% 72 months
Used Auto (7-24 Years) 8.49% 72 months
Antique Automobiles (25 yrs old) 8.49% 72 months
Rebuilt Automobiles 8.50% Terms based on year
Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%) 6.49%
Term (Months/Years) 36 months
Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%) 6.74%
Term (Months/Years) 66 months
Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%) 7.04%
Term (Months/Years) 75 months
Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%) 7.79%
Term (Months/Years) 84 months
Loans New Auto and Previous 3 Years and Up - Less than 30,000 miles
APR as low as (%) 8.54%
Term (Months/Years) 96 months
Loans Previous 3 Years and up - More Than 30,000 miles
APR as low as (%) 6.74%
Term (Months/Years) 66 months
Loans Previous 3 Years and up - More Than 30,000 miles
APR as low as (%) 7.04%
Term (Months/Years) 72 months
Loans Used Auto (4-6 years old)
APR as low as (%) 7.24%
Term (Months/Years) 72 months
Loans Used Auto (7-24 Years)
APR as low as (%) 8.49%
Term (Months/Years) 72 months
Loans Antique Automobiles (25 yrs old)
APR as low as (%) 8.49%
Term (Months/Years) 72 months
Loans Rebuilt Automobiles
APR as low as (%) 8.50%
Term (Months/Years) Terms based on year

All Auto Loan rates and terms are subject to change without notice. Subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. APR = Annual Percentage Rate.

Calculators
How Much Can You Afford?

Empower yourself to make smart financial decisions. Use our calculators to figure how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

Additional Questions?

Listerhill has consistently been rated in the top tier for overall satisfaction by our members. While we hope you find the information you need online, we'd be happy to talk with you about questions you may have. Call us at (256) 383-9204 or 1-800-239-6033 for friendly, local assistance. Or even stop by one of our branches for personal service.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Common Links

Frequently Asked Questions

  • How can I avoid overdraft fees?

    All Listerhill checking accounts are eligible for 3 Overdraft or NSF Fee refunds per year. To request a refund, visit a Listerhill branch or call 1-800-239-6033.

    Additionally, we provide our members with overdraf services like:

    • Standard Overdraft Coverage

    • Debit Card Overdraft Coverage

    • Overdraft Protection

  • How can I start using mobile banking?

    To Get Started with our Mobile Banking app:

  • Do I have to pay any monthly service fees for having a checking account at Listerhill?

    Our Everyday Checking account comes with no minimum balances and no monthly service fees, so if you choose this account, you won’t have to pay any monthly fees, no matter what your daily balances are.

    If you’re interested in Growth Checking, you’ll have to pay a $10 monthly fee is your average balance is below $1,000. You can easily waive the account fee by keeping $1,000 or more in your account. That way, you can earn interest on your deposits without paying any monthly maintenance fees. It’s a win-win!

  • Why should I open a Growth Checking account?

    Growth Checking is the perfect account for those who want to see their money grow faster. This account offers high returns on your deposits for a small monthly service fee. You can waive the monthly fee by keeping $1,000 or more in your account. What’s even better is that the more you keep in your account, the higher the interest rate you’ll earn, so it makes sense to keep higher balances in your Growth Checking!

    If you want to put your money to work for you, open a Growth Checking account. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!

  • What is everyday checking?

    Everyday Checking is our free checking account. This account is convenient and simple with benefits like no minimum balances and no monthly service charges.

    If you're seeking a hassle-free checking experience coupled with top-rated online and mobile banking services, as well as options for overdraft protection and customizable account alerts, Everyday Checking is the ideal choice for you.

    Plus, our online application makes getting your new checking account easier than ever. Simply click here to start your online application as a new member or log into online or mobile banking to open your checking account if you’re already an established member. It normally takes 10 minutes or less to complete!