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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 vehicles cost
  • Flexible payback options
  • Convenient application process and payment options
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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.

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

Pay at a pace that is right for you with terms up to 75 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

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.

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Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 5.99% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.24% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 6.54% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.29% 84 months
Previous 3 Years and up - More Than 30,000 miles 6.24% 66 months
Previous 3 Years and up - More Than 30,000 miles 6.54% 72 months
Used Auto (4-6 years old) 6.74% 66 months
Used Auto (7-24 Years) 7.99% 54 months
Antique Automobiles (25 yrs old) 8.00% 48 months
Rebuilt Automobiles 8.00% Terms based on year
Effective 11/18/22

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.

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 do I connect my additional Listerhill account(s) in Online Banking?

    In order to add an additional Listerhill account in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a Listerhill Account, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on this screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the box for Bill Pay if desired.

    Once finished, the new account will be added by the next business day.

  • How do I connect my credit card(s) in Online Banking?

    In order to add a new credit card in Online Banking, please:

    1. Log in to Online Banking through our website.
    2. Click the Accounts tab at the top.
    3. Click “Connect An Account”
    4. To add a credit card, click “Listerhill Credit Union Account”.
    5. Enter the appropriate information on the screen and select the appropriate account type.
      1. Account Number.
      2. Nickname the Account.
      3. Select the Account Type.
        1. Share Draft – Checking
        2. Share – Savings
        3. Share Certificate – CD
        4. IRA
        5. Line of Credit
        6. Loan
        7. Credit Card
      4. Check the Box for Bill Pay if desired.

    Once finished, the new card will be added by the next business day.

  • What if I had merchandise points?

    Cashbackmall will be available for redemption on 9/1/22 for cards converting to cash back rewards from merchandise points.

  • Who is eligible for Cash Back Rewards?

    Cash Back Rewards are available for Listerhill Signature Credit Cards. Signature credit cards require a limit of $5,000 or greater.

  • How much do I get back in Cash Rewards?

    Cash Back Rewards are calculated at 2% on purchases. Cash Advances and Balance Transfers do not earn Cash Back Rewards.