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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.

Join Now & Apply
HOLIDAY

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.

Listerhill Credit Union (en-US)

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Auto Refinance

Auto Refinance

Drive away with a better deal

Refinance your auto loan with a deal that works better for you. Get a lower rate so you can pay off your car sooner or free up money every month by reducing your monthly payment. We offer generous rates and flexible terms,  so you can make driving a more affordable experience! 

When you refinance with Listerhill, you tap into these competitive features:

  • Low interest rates

  • No application fees – ever

  • Refinance up to 100% of the vehicle’s value

  • Flexible payback options

  • Convenient application process and payment options

Open an Account in Minutes

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.

Join Now & Apply
View Rates
Auto Refinance

Open an Account in Minutes

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.

Join Now & Apply
WHY CHOOSE US FOR YOUR CAR LOAN REFINANCE?
Great Rates

Pay less for your car every month or over time with our competitive refinancing rates.

Apply Your Way

Refinance your vehicle your way. Apply online, in a branch, or by telephone.

No Application Fees

With no application costs, refinancing your vehicle is even more affordable.

Refinance Up To 100%

Finance the full remaining payment on your vehicle — no additional down payment needed.

Flexible Terms

Choose a new loan term that fits both your budget and your vehicle.

Payment Options

Make payments through Online or Mobile Banking, automatic payments, or at your local branch.

Listerhill is Your Low Interest Auto Refinance Partner

Not happy with your current auto loan? Are you paying too much every month, or are high interest rates making owning your vehicle unaffordable?

Refinancing can make sense if you want to:

  • Pay off your car sooner

  • Pay less in interest

  • Lower your monthly payment

At Listerhill Credit Union, we offer competitive rates and flexible terms of up to 96 months so you can get the deal on your wheels that works for you. And with 100% financing and no application fees, refinancing your vehicle costs less at Listerhill as well.

Contact us today to learn more, or click below to get started!
 

Open an Account in Minutes

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.

Join Now & Apply
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Listerhill Credit Union Auto Refinance Rates
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 7.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 8.54% 84 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 9.29% 96 months
Previous 3 Years and up - More Than 30,000 miles 7.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 7.79% 72 months
Used Auto (4-6 years old) 7.99% 72 months
Used Auto (7-24 Years) 9.24% 72 months
Antique Automobiles (25 yrs old) 9.24% 72 months
Rebuilt Automobiles 9.25% Terms based on year
Effective 11/1/2025

APR = Annual Percentage Rate. All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. All loans and credit cards are subject to credit approval. Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply.

Apply for Your Auto Loan Refinance in 3 Easy Steps

Step

1

Apply Online
Click the button below to complete your online application.

Step

2

Sign Your New Loan Agreement
Agree to your new loan rate and terms.

Step

3

Enjoy a lower rate or better terms
Pay less each month or save money on interest.

Open an Account in Minutes

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.

Join Now & Apply

★★★★★

“Great place to bank. Friendly and helpful staff always willing to assist.”

— Kathy H., Muscle Shoals, AL

 

Auto Loan Refinance FAQs

  • When should you refinance a car loan?

    An Auto refinance loan replaces your existing loan with new financing that offers a lower rate or lower monthly payments, usually with a longer payment term. Refinancing can make the most sense when your credit score has improved, interest rates have dropped, or your income has increased, and you want better terms. It’s also worth refinancing if your current loan has high monthly payments, you’re unhappy with your lender, or you want to remove a co-borrower.

  • What is the downfall of refinancing a car?

    Refinancing your car can extend your loan term, which means you pay more interest over time, even though you might pay less each month. Refinancing for longer might also mean you end up with an “upside-down” loan, which means you end up owing more on your loan amount than your car is actually worth. This can make it difficult to sell your car, as you are unlikely to get enough for your vehicle to settle your auto loan.

  • Can I refinance the full amount I still owe on my vehicle?

    Yes, Listerhill allows you to refinance up to 100% of your vehicle’s value, with no additional down payment required.

  • When is an auto refinance not an option?

    Refinancing may not be worth it if you’re near the end of your loan, since the savings will be minimal. It also may not help if your credit hasn’t improved or if current rates aren’t much better. Watch out for longer terms that increase your total cost over time.

  • Will refinancing my auto loan hurt my credit history?

    Refinancing may cause a small dip in your credit score due to the inquiry on your credit report, but it’s usually temporary.

Product Options
Accident Prevention
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional loan payment protection.

Gap Warranty
GAP & Warranty 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.
Auto Insurance
Auto Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, & Life Insurance.
Calculators
How Much Can You Afford?

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

View Calculators
Refinance Your Auto Loan For Lower Rates & More Convenience

Most auto refinancing options focus solely on lowering interest rates but we offer more than that. With us, you get low rates plus additional features, like no fees and flexible terms. Take advantage now to refinance up to 100% of your car’s value today.

Open an Account in Minutes

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.

Join Now & Apply
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Frequently Asked Questions

  • Do I have to be a member to apply for a fixed-rate loan?

    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:

    • If you live in the states of Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member.
    • Depending on your individual eligibility requirements, we may require membership in 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.
       
  • How important is my credit history in determining whether I qualify for a loan?

    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.

  • What is a good down payment on a home?

    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.

  • What is a debt-to-income ratio?

    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%.

  • How much is a $300,000 mortgage payment?

    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.

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