Interest Rate

Amount/TermAnnual Percentage Rate (APR)
1 year old 2014 / 30 months4.49%
1 year old 2014 / 36 months4.49%
1 year old 2014 / 48 months4.49%
1 year old 2014 / 60 months4.49%
1 year old 2014 / 72 months4.74%
2 year old 2013 / 30 months4.49%
2 year old 2013 / 36 months4.49%
2 year old 2013 / 48 months4.49%
3 year old 2012 / 30 months5.00%
3 year old 2012 / 36 months5.00%
3 year old 2012 / 48 months5.00%
Annual Percentage Rate effective as of 7/8/2015.


Rate discount of 0.25% available with automatic payment from a Frost Checking or Savings account.

Loan Amount

  • up to the NADA (National Automobile Dealers Association) trade-in value on used cars

Loan Term

  • other terms available based on year, model and value

Example: A loan of $10,000 for 48 months at a simple interest rate of 4.49% would yield a payment amount of $228.00 per month and an annual percentage rate (APR) of 4.49%.

How to Apply

It’s easy to apply for a Frost Used Car Loan. It takes approximately 15 minutes and you’ll receive an answer in about two to four hours during normal business hours.

To apply, call a Frost Banker at (866) 376-7889 or visit your local Frost financial center. Just bring:

  • government issued photo ID such as a driver's license, state ID or U.S. Military ID
  • your Social Security number
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