Loans That Pay You Back

For a limited time, get 1.5% cash back* on auto, personal, vacation, recreation, ATV and RV loans.

For a limited time, get 1.5% cash back* on auto, personal, vacation, recreation, ATV and RV loans.

No matter what life throws your way, we at Listerhill are here to help you through it. Right now, for a limited time, we're giving you 1.5% cash back on every loan over $2,500 – even on an existing loan you bring us.

So watch the sunset on the river. Load up the truck and head out for a picnic. Forge a new trail. We’re here for you through anything – so you can keep enjoying everything else.

Or, bring your existing loan to Listerhill - you'll get 1.5% cash back* for that too.

Have a loan with another provider? Bring it to us, and you'll get 1.5% cash back — for whatever floats your boat.

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To apply for a loan, please fill out this short contact form and a local Member Advocate will contact you within one business day to complete your request.

 

What type of loan are you applying for?

Loans That Pay Back

  • 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.

  • How long will Listerhill offer the cash giveback?

    The cash giveback is available on eligible loans between Monday, April 6 and Monday, August 31. However, Listerhill reserves the right to change the ending date at any time.

  • 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. 

  • How long must the loan stay open until I can pay it off and still keep the giveback?

    90 days. If you pay off your loan prior to this period, your giveback will be added back to the payoff amount.

Let's Do The Math
How Much Will You Get Back?
Loan Amount1.5% Give Back
$5,000$75
$10,000$150
$20,000$300
$30,000$450
$50,000$750
$75,000$1,125

*Beginning April 6, only for a limited time. Certain restrictions apply. $2,500 loan minimum. Does not apply to existing Listerhill loans.

 

 

 

 

 

 

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Frequently Asked Questions

  • What can I expect in regard to credit limit?

    The credit limit on your Listerhill business credit card will be dictated by numerous factors, including your current debt-to-income ratio. Although there is no single answer to this question, it is worth noting that small business owners in 2016 had a median total credit limit of $56,100 across all of their credit cards. If you are concerned about the credit limit you are granted, our account representatives are here to provide you with assistance. 

    Your credit limit may also be affected by your personal credit score. If your FICO score is below a certain threshold, you could find yourself with a lower credit limit than you would like. The good news is that there are many steps you can take to improve your FICO rating, ultimately increasing your credit limit over time.

  • Will my personal credit be impacted?

    Generally, business owners’ personal credit scores are not affected by business credit card applications. Talk to your Listerhill Credit Union representative if you have any questions regarding your personal credit score and how it could be impacted. 

    It is important to note that if your Listerhill business credit card activity does appear on your personal credit report, there will be no differentiation between the two. In other words, business expenditures will be treated the same as personal purchases by the credit bureaus. Thus, it is crucially important to keep your new business Visa in good standing.

  • Why should I choose the Listerhill Business Credit Card?

    We know you have a lot of choices when it comes to applying for a business credit card. At Listerhill Credit Union, we take pride in providing our clients with more benefits than they can count! First and foremost, you will have access to the best customer service in the industry. You are more than a number to us and we will always be here to provide you with the assistance you need.

    We also provide our clients with peace of mind if their Visa cards become lost or stolen. Whether you drop your card while running errands locally or it gets stolen on an overseas business trip, our team is here to make sure you are taken care of. 

    Finally, the advantages of the Listerhill Business Visa itself are worth the application. Our rates and fees will always remain competitive, so you can trust you’re never paying too much for your business expenses. You will also earn the aforementioned rewards on eligible purchases every time you use your card.

  • When can I apply?
    • Starting April 3, 2020, small businesses and sole proprietorships can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders. 
    • Starting April 10, 2020, independent contractors and self-employed individuals can apply for and receive loans to cover their payroll and other certain expenses through existing SBA lenders.
  • Who can apply?

    All businesses - including nonprofits, veterans organizations, Tribal business concerns, sole proprietorships, self-employed individuals, and independent contractors - with 500 or fewer employees can apply. Businesses in certain industries can have more than 500 employees if they meet applicable SBA employee-based size standards for those industries.