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Auto Loans

New & Used Auto Loans

Whatever you're driving home, drive away with a great rate.

Buying new or buying used, your next vehicle should fit your budget as well as it fits your life. Listerhill Credit Union offers low rates and flexible terms on both new and used auto loans, so you can stop comparing offers and start comparing cars.

Open an Account in Minutes

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.

Join Now & Apply
See Today's Rates
Pay at a pace that is right for you with terms up to 96 months.
Borrow up to 100% of the vehicle's cost. This gives you access to the ride you truly want.
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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Conveniently pay off your loan through Online or Mobile Banking, automatic payments, or your local branch.
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.
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.

Featured Auto Loan Rate

5.74%
APR
60 Month Term as low as
See Rates
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New Auto Loans

A new car means the newest safety features, the best fuel efficiency, and that new-car smell - and it doesn't have to come with a stretched budget. Listerhill's new auto loans are built to get you into the car, truck, jeep, or SUV you actually want, at a payment that actually works.

Open an Account in Minutes

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.

Join Now & Apply
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Used Auto Loans

Buying used is one of the smartest ways to stretch your money further - and Listerhill's used auto loan rates make it even smarter. Get the same member-first service and low rates on a pre-owned vehicle that you'd get on a new one.

Open an Account in Minutes

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.

Join Now & Apply
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Up to 1% Off Your Loan Rate

Since 1952, we've believed relationships should matter more than profit - so we reward members who bank with us. That's how you can get up to 1% off your auto loan rate at Listerhill.

Learn more about relationship pricing

New & Used Auto Loan 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.

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Calculators

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.

See More
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Skip the extra trip. When you buy from one of our participating dealerships, you can finance your vehicle on the spot - same great Listerhill rates, same straightforward process, all handled at the dealer.

Find a participating dealership

More Product Options For You

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Auto Refinance

Get the rate you deserve and lower your monthly payment by refinancing your current auto loan.

Learn More
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.

Learn More
Auto Insurance

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

Learn More

Not Sure Whether to Buy New, Buy Used, or Refinance?

If you already own a vehicle and just want a better rate or lower payment, refinancing - not a new loan - may be the better move.

Compare auto refinance options
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Ready to Get Behind the Wheel?

Refinance Auto

Apply in minutes online or stop by a branch and talk it through with a real person. Either way, you'll get the same low rates and member-first service Listerhill has offered since 1952.

Open an Account in Minutes

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.

Join Now & Apply
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