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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 Refinance

Drive away knowing you made the best financial decision.

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 refinance, you can tap into these competitive features:

  • Low interest rates
  • No application fees – ever
  • Refinance at 100% of the vehicle’s value
  • 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.

Auto Refinance

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
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 96 months.

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.

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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 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 3/18/2024

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. APR = Annual Percentage Rate.

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.

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.

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.

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Vehicle Options
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Home Options
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Common Links

Frequently Asked Questions

  • What are some factors to consider when choosing a rewards credit card?

    Determine whether you prefer cash back, travel points, or other reward types. Then, explore how and when reward points accumulate, if there are spending caps, and how easy it is to redeem your rewards. Financial institutions like credit unions tend to offer great rewards credit cards.

  • How can I compare credit card offers before making a decision?

    Carefully review rewards programs, like cash back or travel miles, when comparing credit cards. Also, consider the rewards rate, interest rates, annual fees, and any additional benefits the card includes.

  • What are the benefits of choosing a credit union's credit card compared to others?

    Our credit cards reward you for making purchases. They feature competitive interest rates and fewer fees than traditional banks. Members benefit from personalized customer service. We work closely with you to understand your financial situation and needs.

  • What if I prefer to make my payments through a pre-authorized automatic payment arrangement (ACH)?

    Please contact TruHome at 844-203-3642 to set up automatic payments or visit here to set them up yourself.

  • What if I prefer to make my payments through the Listerhill Mobile Banking app or Online Banking?

    Unfortunately, when the transfer occurs, mortgages will not be displayed on our app or in online banking, but we are working to bring that functionality ASAP.

    In the meantime, please visit here to view all mortgage information and payment options.