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 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
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 75 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 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.

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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.

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What can we help you with?
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What are you borrowing for?
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Vehicle Options
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Home Options
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What are you saving for?
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How old are your kids?
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Which of these banking options are you interested in?
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How old are you (or your child)?
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Are you a UNA student?
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What do you want to do?
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What do you want to do?
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What do you want to do?
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What do you want to do?
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How old are you?
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What are you looking for?

Common Links

Frequently Asked Questions

  • What are my credit card benefits?

    Not only does Listerhill Credit Union offer the most competitive rates available with no annual fee, but we also provide several tools to help you get the most out of your Visa Platinum Rewards card. Click here to see a full list.

  • What if I need to speak with someone about my rewards?

    Please call us at 800-239-6033 to speak with one of our representatives.

  • How do I open my credit card?

    To open your credit card, you can apply online or give us a call at 800-239-6033 to speak with one of our credit specialists.

  • How do I qualify for a Visa Platinum Rewards card?

    To qualify for a credit card, you will need to provide information related to your employment, along with permission for us to perform a credit check. If you have the income and financial background to support additional credit, you should qualify. If not, we will advise you as to why your application was denied. 

  • What interest rate will I get?

    Your interest rate will be determined after you submit your application. Many factors, including your credit history, help to assess your Visa Platinum Rewards card interest rate.