Auto Loans

Auto Loans

Drive away knowing you made the best financial decision.

Shopping for a car poses so many questions. New or used? Hybrid or gas? 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.

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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.

Ever.

Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.

Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.

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 at a pace that is right for you with terms up to 96 months.

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.

Competitive Rates

As a nonprofit cooperative, we keep our loan rates competitive 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 (Auto Loan)

Pay at a pace that is right for you with terms up to 96 months.

Waived Maintenance Fee

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.

Speedy Application (General Loans)

Apply for your loan in 10 minutes or less with our quick, easy online application.

Your dream car awaits with our low-interest rate auto loans.

Buying a new car comes with plenty of benefits, including nice new features, fantastic fuel efficiency, and a great look, but it doesn’t have to be expensive. Stop worrying about getting into the wrong car when you turn to Listerhill Credit Union. We can help you drive away with the car you want at the affordable monthly payment you need.

Get the car you want for less with a used car auto loan.

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.

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Your dream car awaits with our low-interest rate auto loans.

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Get the car you want for less with a used car auto loan.

More Auto Options For You

Get more than just a low rate.

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.

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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.

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Auto Loans Current Rates

Auto Loans

Effective 8/1/2026

New Auto and Previous 3 Years and Up - Less than 30,000 miles

APR as low as (%): 5.74%

Term (Months/Years): 36 months

New Auto and Previous 3 Years and Up - Less than 30,000 miles

APR as low as (%): 5.99%

Term (Months/Years): 66 months

New Auto and Previous 3 Years and Up - Less than 30,000 miles

APR as low as (%): 6.24%

Term (Months/Years): 75 months

New Auto and Previous 3 Years and Up - Less than 30,000 miles

APR as low as (%): 6.99%

Term (Months/Years): 84 months

New Auto and Previous 3 Years and Up - Less than 30,000 miles

APR as low as (%): 7.74%

Term (Months/Years): 96 months

Previous 3 Years and up - More Than 30,000 miles

APR as low as (%): 6.24%

Term (Months/Years): 66 months

Previous 3 Years and up - More Than 30,000 miles

APR as low as (%): 6.49%

Term (Months/Years): 75 months

Used Auto (4-6 years old)

APR as low as (%): 6.99%

Term (Months/Years): 75 months

Used Auto (7-24 Years)

APR as low as (%): 7.74%

Term (Months/Years): 75 months

Antique Automobiles (25 yrs old)

APR as low as (%): 7.74%

Term (Months/Years): 75 months

Rebuilt Automobiles

APR as low as (%): 8.25%

Term (Months/Years): Terms based on year

All Auto Loan rates and terms are subject to change without notice and are subject to credit approval. Actual APR will be based on the creditworthiness of the borrower. Other restrictions may apply. APR = Annual Percentage Rate.

Relationship pricing discounts are available on eligible auto loans requested within thirty (30) days of loan opening. Approved borrowers may qualify for a 0.25% APR reduction for each of the following activities, up to a maximum total reduction of 1.00% APR: opening an Everyday or Growth Checking account; establishing direct deposit to a new or existing Listerhill account; setting up automatic payments for a new or existing Listerhill loan; opening a Listerhill Visa® Signature Rewards or Visa® Platinum credit card; and/or refinancing a loan from another financial institution with Listerhill. Discounted rates will not be reduced below 6.00% APR. Existing Listerhill loans are not eligible for refinance discounts. Offer cannot be combined with any other promotion. Additional eligibility requirements and restrictions may apply. Visit listerhill.com/relationship for complete details.

Additional Products for You.

Credit Life & Credit Disability Insurance

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

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GAP & Warranty Protection

We can help you protect every part of your investment. Prevent from owing more than the vehicle is worth in the unfortunate event of an accident with GAP coverage.

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Auto Insurance

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

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.

Learn More

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When Do You Need a Cosigner for a Car Loan?

06.28.2022

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Powerful features at your fingertips

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

Powerful features at your fingertips

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

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