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.
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.
Our used car auto loans offer excellent features:
Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.
Pay at a pace that is right for you with terms up to 75 months.
As a nonprofit cooperative, we keep our loan rates low 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.
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.
Loan | APR as low as | Maximum Term |
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Used Auto 4-6 Years | 3.49% | 66 months |
Used Auto 7-24 Years | 4.74% | 54 months |
Antique Auto 25+ Years | 5.25% | 48 months |
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.
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.
It doesn’t have to be a challenge to get into a new, used car. Our team offers a variety of loan programs to help you find the vehicle of your dream – from an antique collector’s vehicle to that low-cost used car that is sure to be affordable.
Take advantage of our current low rates and easy, no-fee application process to find out just how affordable a new vehicle can be to you.
New Fee: | Details: |
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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 |
Existing Fee: | Changing To: |
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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 |
Existing Fee: | Changing To: |
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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 |
Existing Fee: | Changing To: |
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Relationship Fee | This fee is being eliminated. If you currently pay the $10/month Relationship Fee, you will no longer be charged this fee. |
Existing Account: | Changing To: | What This Means: |
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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.) |