Listerhill Credit Union Auto Loan: Rates and Car Checks

Listerhill Credit Union posts auto loan rates by vehicle age, and as of rates effective November 1, 2026, the lowest is 5.74% APR on a 36-month loan for a new car or one up to three years old with under 30,000 miles. Older cars step up from there, and Listerhill lists a separate rate for rebuilt automobiles, which is rare. The page does not say a CARFAX is required, so run the history check yourself before you apply.

How the posted rates read

The Listerhill rates page lists new autos and the previous three model years under 30,000 miles at 5.74% APR for 36 months, 5.99% for 66 months, 6.24% for 75 months, 6.99% for 84 months and 7.74% for 96 months. The same age band over 30,000 miles starts at 6.24% for 66 months. Used autos four to six years old start at 6.99% for 75 months, cars 7 to 24 years old at 7.74%, antique cars 25 years and older at 7.74%, and rebuilt automobiles at 8.25% with terms based on year. The page also lists relationship discounts of 0.25% APR per qualifying activity, up to 1.00% total. All rates are "as low as" and depend on credit.

What the page does not spell out

The auto section I reviewed did not publish every underwriting rule on the public rates table. Ask the loan officer for written rules on private-party purchases, out-of-state titles and older cars before you shop around a payment. Our odometer rollback guide is worth a read when a used car's mileage looks too good for its year.

Who Listerhill fits

Listerhill fits Alabama members buying an older car, an antique or a rebuilt-title car, since it publishes rates for all three. A rebuilt car still needs a clean story: get the rebuild paperwork and photos before you apply. Buyers of high-mile cars should expect more than the 5.74% floor. Membership eligibility is separate from the rate quote.

Does Listerhill require a CARFAX?

Credit unions generally care about the title, the value and the lien, and their published pages rarely say a history report is required. They do need a clean, transferable title so they can record their lien, and an older or branded car can change the rate or the loan amount. Our financing a rebuilt title car guide covers why branded titles get harder to finance. Pull a report before you apply, not after, so a surprise brand does not show up at funding.

Checks to run before you sign

• Run the VIN at the NHTSA recall lookup for open campaigns.
• Check title brands through an approved NMVTIS provider.
• Pull a history report and compare mileage readings over time.
• On a private sale, confirm the seller lien is paid off. Our lien release guide walks through that step.
• Get a pre-purchase inspection on anything out of warranty.

Questions to ask the loan officer

• What exact APR and term would I get on this specific car, by VIN and model year?
• Does the rate change for a private-party sale versus a dealer purchase?
• Is there a maximum vehicle age or mileage, and a minimum loan amount?
• How long is a preapproval good for, and does the rate lock with it?
• Will you finance a car with a rebuilt, salvage or out-of-state title?

Dealer sale or private sale

At a dealer, the dealer usually handles the title and sends it to the lender. In a private sale, the credit union often pays the seller or the prior lender directly and then waits for the title to arrive with its lien recorded. That takes longer, so plan for it. Do not hand cash to a private seller before the lender confirms the payoff and the title path. Our private-party CARFAX guide covers what to check on the seller side.

Compare the offer, not just the rate

A low advertised APR only helps if you qualify for it and the term fits your budget. Ask for the exact APR, term, payment and total interest in writing, and compare it with a dealer offer and at least one other lender. The CFPB auto loan tools explain how to read a loan estimate. Decide on add-ons such as GAP coverage on their own merits; our GAP insurance guide covers when it makes sense.

What the report costs

As of early November 2026 a CARFAX bought direct usually costs around $44.99, and AutoCheck sits a little lower. We are a licensed CARFAX and AutoCheck reseller, not affiliated with CARFAX, AutoCheck or Experian. Our guest price has been about $5.50 a report, about $4.50 for members, and about $6.75 for a CARFAX and AutoCheck bundle. Confirm the price at checkout, since it can change.

Sources

• Listerhill Credit Union rates page (checked Nov. 5, 2026)
• NHTSA recall lookup
• NMVTIS, U.S. Department of Justice
• CFPB auto loan resources