New Auto 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.

Our new car auto loans offer fantastic features such as:

  • Low-interest rates
  • No application fees
  • Borrow as much as 100% of the value of the new car
  • Choose a payment that fits your needs
  • Apply without any hassles
Product Features
Pay Back On Your Terms

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

Borrow Up To 100%

Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.

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.

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.

New Auto

Loan APR as low as Maximum Term
New Auto Up to 3 Years/30,000 miles 2.99% 36 months
New Auto Up to 3 Years/30,000 miles 2.99% 66 months
New Auto Up to 3 Years/30,000 miles 3.29% 75 months
New Auto Up to 3 Years/30,000 miles 4.04% 84 months
Effective 9/21/2020


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 Yield.

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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.

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Buy With Confidence Using A New Car Auto Loan

Listerhill Credit Union is here to help you with all the ins and outs of financing and purchasing a new car.

This big decision doesn’t have to be hard and can be made easy and stress-free. Meet with our team to discuss the loan options available to you before you start shopping. That way, we can steer you into the car that fits your goals and your budget.

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Frequently Asked Questions

  • Maintenance Fee

    New Fee:Details:
    Maintenance Fee We are introducing a new $5/month Maintenance Fee to all members. However, this fee can be waived if you meet just one of the following criteria: 

     • You or someone in your household has had a current loan or mortgage within the last 12 months. 
     • You or someone in your household has an open credit card 
     • You or someone in your household has an aggregate average daily balance of $3,000 in your accounts
     • You or someone in your household has a relationship with our Listerhill Financial Services department 
     • You have paid at least $125 in NSF, Transfer, or Courtesy Pay fees for the month 
     • You are under the age of 25 
     • Your account is less than 90 days old 
     • You have paid a Return Mail Fee or an Inactive Account Fee for the month
  • Jumbo Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:

    Jumbo Certificates Early Withdrawal Penalty

    • Terms of 1 year or less: 30 days interest

    • Terms of over 1 year: 90 days interest

    Monthly Certificate Early Withdrawal Penalty

    • Terms of 1 year or less: 90 days interest

    • Terms of 18 mos-2 yrs: 180 days interest

    • Terms of over 2 years: 210 days interest

  • Regular Certificates Early Withdrawal Penalty

    Existing Fee:Changing To:
    Regular Certificates Early Withdrawal Penalty

     • Terms of 1 year or less: 30 days interest 
      
     • Terms of over 1 year: 90 days interest
    Quarterly Certificate Early Withdrawal Penalty 

     • Terms of 1 year or less: 90 days interest 

     • Terms of 18 mos-2yrs: 180 days interest 

     • Terms of over 2 years: 210 days interest
  • Relationship Fee

    Existing Fee:Changing To:
    Relationship Fee This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee.
  • 60 or 72 Month Jumbo Certificate

    Existing Account:Changing To:What This Means:
    Jumbo Certificates 
    (60 month and 72 month)
    Monthly Certificate 
    (60 month)
    Certificates will now be offered in six terms instead of ten terms and a reduced minimum opening deposit of $500 is required. However, you will continue to receive the following benefits: 
     • Interest Paid Monthly 
     • Interest Paid by Deposit to Affiliate Account (Early withdrawal penalties have changed. Please see chart below.)