COVID-19 Response

Starting Friday, March 20, for the safety of our members, employees, and communities, Listerhill branches will be open by drive-thru only. Read more at listerhill.com/coronavirus.

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:

  • Low interest rates
  • No application fees — ever
  • Borrow 100% of the vehicles cost
  • Flexible payback options
  • Convenient application process and payment options
Product Features
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.

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 75 months.

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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 3.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.54% 84 months
Previous 3 Years and up - More Than 30,000 miles 3.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.79% 72 months
Used Auto (4-6 years old) 3.99% 66 months
Used Auto (7-24 Years) 4.99% 54 months
Antique Automobiles (25 yrs old) 5.50% 48 months
Rebuilt Automobiles 5.50% 48 months
Effective 1/2/2020

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 Rate.

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.

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.

Additional Questions?

Listerhill has been 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.

Solutions Center
Need Help Finding a Solution?

Answer a few questions and we will find a solution that works for you. It only takes a few seconds.

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Frequently Asked Questions

  • How long will Listerhill offer the cash giveback?

    The cash giveback is available on eligible loans between Monday, April 6 and Saturday, July 11. However, Listerhill reserves the right to change the ending date at any time.

  • What if I just refinance my Listerhill loan?

    If you refinance your existing Listerhill loan (for example, to get a better rate if your credit score has improved), the loan would not be eligible for the giveback unless you add at least $2,500 to the amount of your loan. Please contact a Member Advocate to discuss your options.

  • What loans are not eligible for the cash giveback?

    Credit cards, shared-secured personal loans, lines of credit, indirect (dealer) loans, commercial loans, mortgage loans, and HELOCS. The giveback also does not apply to deposit products, like savings and checking accounts.

  • What loans are eligible for the cash giveback?

    The cash giveback only applies to new unsecured personal, auto, and recreation loans. The minimum loan amount is $2,500. 

  • Why do credit cards offer cash back?

    Credit card companies can offer cash back because merchants that accept payments via credit card have to pay a percentage of the transaction fee to the credit card company. In this case, the credit card company can decide to share the merchant fee with you in the form of a cash back offer.  

    Need to review the card agreement? View our Consumer Credit Card Agreement and Disclosure.