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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:

  • 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


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.

NEW CAR LOANS
Your dream car awaits with our low-interest rate auto loans.

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.

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.

USED CAR LOANS
Get the car you want for less with a used car auto loan.

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.

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 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 4/14/2025
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.

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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.

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Frequently Asked Questions

  • What happens when federally insured credit unions merge?

    If a member has accounts in credit union A and credit union B, and credit union A merges into credit union B, accounts of credit union A continue to be insured separately from the share deposits of credit union B for six months after the date of the merger or, in the case of a share certificate, the earliest maturity date after the six-month period. In the case of a share certificate that matures within the six-month grace period that is renewed at the same dollar amount, either with or without accrued dividends having been added to the principal amount, and for the same term as the original share certificate, the separate insurance applies to the renewed share certificate until the first maturity date after the six-month period. A share certificate that matures within the six-month grace period that is renewed on any other basis, or that is not renewed, is separately insured only until the end of the six-month grace period.

  • What happens if a federally insured credit union is liquidated?

    The NCUA would either transfer the insured member's account to another federally insured credit union or give the federally insured member a check equal to their insured account balance. This includes the principal and posted dividends through the date of the credit union's liquidation, up to the insurance limit.

  • If a credit union is liquidated, what is the timeframe for payout of the funds that are insured if the credit union cannot be acquired by another credit union?

    Federal law requires the NCUA to make payments of insured accounts "as soon as possible" upon the failure of a federally insured credit union. While every credit union failure is unique, there are standard policies and procedures that the NCUA follows in making share insurance payments. Historically, insured funds are available to members within just a few days after the closure of an insured credit union.

  • What happens to members with uninsured shares?

    Members who have uninsured shares may recover a portion of their uninsured shares, but there is no guarantee that they will recover any more than the insured amount. The amount of uninsured shares they may receive, if any, is based on the recovery of the failed credit union's assets. Depending on the quality and value of these assets, it may take several years to conclude recovery on all the assets. As recoveries are made, uninsured account holders may receive periodic payments on their uninsured shares claim.

  • What happens to my direct deposits if a federally insured credit union is liquidated?

    If a liquidated credit union is acquired by another federally insured credit union, all direct deposits, including Social Security checks or paychecks delivered electronically, will be automatically deposited into your account at the assuming credit union. If the NCUA cannot find an acquirer for the liquidated credit union, the NCUA will advise members to make new arrangements.