Personal Used Car Loans

Interest Rate
Amount/Term Annual Percentage Rate (APR)
1 year old 2016 / 36 months 4.49%
1 year old 2016 / 48 months 4.49%
1 year old 2016 / 60 months 4.49%
1 year old 2016 / 72 months 4.74%
1 year old 2016 / 30 months 4.49%
2 year old 2015 / 36 months 4.49%
2 year old 2015 / 48 months 4.49%
2 year old 2015 / 30 months 4.49%
3 year old 2014 / 30 months 5.00%
3 year old 2014 / 36 months 5.00%
3 year old 2014 / 48 months 5.00%
Annual Percentage Rate effective as of 09/22/2017.
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

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