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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 Tuesday, November 11th, for Veterans Day. Normal business hours will resume Wednesday, November 12th. Smart ATMs and Online and Mobile Banking will remain available.
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:
Financing available for new and used cars
Low interest rates
No application fees — ever
Borrow 100% of the vehicle's cost
Flexible payback options
Convenient application process and payment options
As a nonprofit cooperative, we keep our loan rates competitive by returning profits to our members in the form of better rates.
Ever.
Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.
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 at a pace that is right for you with terms up to 96 months.
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.
Apply for your loan in 10 minutes or less with our quick, easy online application.
Buying a new car comes with plenty of benefits, including nice new features, fantastic fuel efficiency, and a great look, but it doesn’t have to be expensive.
Stop worrying about getting into the wrong car when you turn to Listerhill Credit Union. We can help you drive away with the car you want at the affordable monthly payment you need.
While you may be spending plenty of time shopping around for cars, you don’t have to worry about finding the best used car auto loan. We are here to help you every step of the way.
With a fast application process and access to a range of loan options, you can count on our loans to get you where you need to go.
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.
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.
| Loans | APR as low as (%) | Term (Months/Years) |
|---|---|---|
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.24% | 36 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.49% | 66 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 6.74% | 75 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 7.49% | 84 months |
| New Auto and Previous 3 Years and Up - Less than 30,000 miles | 8.24% | 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% | 75 months |
| Used Auto (4-6 years old) | 7.24% | 75 months |
| Used Auto (7-24 Years) | 8.49% | 75 months |
| Antique Automobiles (25 yrs old) | 8.49% | 75 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 (%) | 6.24% |
| Term (Months/Years) | 36 months |
| Loans | New Auto and Previous 3 Years and Up - Less than 30,000 miles |
| APR as low as (%) | 6.49% |
| Term (Months/Years) | 66 months |
| Loans | New Auto and Previous 3 Years and Up - Less than 30,000 miles |
| APR as low as (%) | 6.74% |
| Term (Months/Years) | 75 months |
| Loans | New Auto and Previous 3 Years and Up - Less than 30,000 miles |
| APR as low as (%) | 7.49% |
| Term (Months/Years) | 84 months |
| Loans | New Auto and Previous 3 Years and Up - Less than 30,000 miles |
| APR as low as (%) | 8.24% |
| 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) | 75 months |
| Loans | Used Auto (4-6 years old) |
| APR as low as (%) | 7.24% |
| Term (Months/Years) | 75 months |
| Loans | Used Auto (7-24 Years) |
| APR as low as (%) | 8.49% |
| Term (Months/Years) | 75 months |
| Loans | Antique Automobiles (25 yrs old) |
| APR as low as (%) | 8.49% |
| Term (Months/Years) | 75 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.
Relationship pricing discounts apply to auto loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 6% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.
In the event of an emergency, safeguard your family through optional loan payment protection.
We can help you protect every part of your investment. Prevent from owing more than the vehicle is worth in the unfortunate event of an accident with GAP coverage.
We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
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.
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.
Answer a few questions and we will find a solution that works for you. It only takes a few seconds.
Yes, you need to be a Listerhill member to apply for loans. To qualify for membership with Listerhill, you must meet one of the following requirements:
Your credit history is extremely important to lenders when deciding whether to offer you a loan, because it provides an indication of how likely you are to pay back what you owe. This helps lenders determine how much of a risk you are. Typically, the better your credit history, the less risky you appear to lenders, and the better (lower) the interest rate you are likely to be offered.
Lenders do, however, look at other factors such as income, job stability, and existing debts. Credit unions like Listerhill are also known for taking a more holistic look at their members’ finances when deciding whether to approve a loan, rather than relying solely on the numbers.
A down payment of up to 20% is considered good by many lenders. This gives you a significant stake in the property that you are borrowing money to buy. Lenders see a substantial down payment as a good indicator that you will continue to make payments because you risk losing your own money if you do not. Typically, you’ll get a lower mortgage interest rate the more money you are able to put down, although lenders do look at other factors as well.
Your debt-to-income (DTI) ratio compares your monthly debt payments relative to your gross monthly income. Mortgage lenders use it to evaluate how well you manage debt and whether you can afford a new loan. A lower DTI generally makes it easier to qualify for mortgages and other loans. For conventional home loans, many lenders look for a DTI below 43%.
Assuming you borrowed $300,000 on a fixed 25 year mortgage loan at a current average annual percentage rate (APR), you could expect to pay about $2,120 per month (not including taxes and insurance premiums). This does not include any down payment you might make on the total purchase price of the house.