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Personal Loans

Consolidating debt or planning a family vacation — get a loan that's personalized for you.

We understand that not every need in life fits into a category. With flexible terms, great rates and amounts specific to your needs, you can borrow wisely while accomplishing your goals.

not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into the Kicks for Kids Association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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As a nonprofit cooperative, we keep our loan rates competitive by returning profits to our members in the form of better rates.
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Apply for a personal loan in the way you find most convenient: online, in a branch, or over the phone.
Consult with one of our friendly loan officers about a payback term that fits your goals.
Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
Enjoy the perk of no Maintenance Fee with your Listerhill membership while your Listerhill loan is open or has been open within the last 12 months.
Apply for your loan in 10 minutes or less with our quick, easy online application.

Personal Loans Current Rates

Personal Loans

Effective 8/1/2026

Personal
APR as low as (%): 11.99%
Term (Months/Years): 84 months
Personal
APR as low as (%): 11.24%
Term (Months/Years): 72 months
Personal
APR as low as (%): 10.49%
Term (Months/Years): 60 months
Personal
APR as low as (%): 9.74%
Term (Months/Years): 48 months
Anytime Personal Line of Credit
APR as low as (%): 11.24%
Term (Months/Years): Call 256-383-9204 for more information

All Personal Loan rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply. Subject to credit approval. Actual rate will be determined by the creditworthiness of the borrower. Additional terms may be available. Other restrictions may apply. See a member advocate for more details. APR = Annual Percentage Rate.

Relationship pricing discounts apply to personal loans opened within the last thirty (30) days from the time of request. The following actions each qualify approved borrowers for 0.25% reduction to APR, up to a maximum total reduction of 1.00%: open an Everyday or Growth Checking account, establish direct deposit to a new or existing Listerhill account, set up automatic payments for a new or existing Listerhill loan account, open a Listerhill Signature Rewards or Platinum credit card, and/or refinance your loan from another financial institution with Listerhill. The discounted rate will not be permitted to go below the floor rate of 4.74% APR. Refinancing of existing Listerhill loans do not qualify. Cannot be combined with any other offer. Some restrictions may apply. Visit listerhill.com/relationship for more information.

Personal loan terms from 48 to 72 months. APR as low as 9.74%. The payment on a $10,000 loan would be $252.38 per month by using the $25.24 per $1,000 at a non-variable interest rate of 9.74% APR with a 48-month term. This equates to total repayment of $12,114.24 over the life of the loan.

In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).

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Anytime Personal Line of Credit is subject to membership eligibility and credit approval. Rates, terms, conditions, and credit limits are subject to change without notice. APR = Annual Percentage Rate. APR, credit limit, and other terms may vary based on individual borrower's creditworthiness and other underwriting factors. APR may vary after account opening. Membership eligibility required. Other restrictions may apply. Contact a Listerhill Credit Union loan officer for complete details.

In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).

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How Much Can You Afford?

Empower yourself to make smart financial decisions with our variety of financial calculators. Calculate how much you can afford to borrow, how much interest you will pay over the life of a loan and more.

Additional Products

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Family_1600x1000_202607
Credit Life & Credit Disability Insurance

In the event of an emergency, safeguard your family through optional credit card payment protection.

Life Insurance

We have partnered with TruStage Insurance to give our members discounted rates on Auto, Home, and Life Insurance.

Powerful features at your fingertips

Join us and experience banking that’s designed for you.

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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a Solution?

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

Not a member yet?

Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.

If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.

You can also qualify for membership by being a family member of a current or potential Listerhill member.

With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.

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