Personal Loans / Personal Auto Loans Personal Auto Loans Frost can help you buy the vehicle you want. Whether you’re looking for a new or used vehicle, we offer a variety of loans at fixed, competitive rates. Auto Loans If you’re interested in purchasing a vehicle, consider financing it with a Frost Auto Loan, featuring: Loan amount up to 100% of the purchase price on new vehicle, or up to the NADA (National Automobile Dealers Association) trade-in value for used vehicles A 0.25% rate discount with automatic payments from a Frost Checking or Savings account Pre-approved financing that can be arranged before you buy Annual Percentage Rate (APR) and Terms* Vehicle Ages 30 months 36 months 48 months 60 months 72 months New 2024/2025 6.35% 6.35% 6.35% 6.35% 6.35% 1 Year Old 2024 6.6% 6.6% 6.6% 6.6% 6.6% 2 Year Old 2023 6.7% 6.7% 6.7% 6.7% 6.7% 3 Year Old 2022 7.1% 7.1% 7.1% 4 Year Old 2021 7.1% 7.1% 5 Year Old 2020 7.35% 7.35% Annual Percentage Rate effective as of 12/15/2025. *This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account. Payment Example: A loan of $25,000 for 5 years at a simple interest rate of 6.60% would yield a payment amount of $490.33 per month and an annual percentage rate (APR) of 6.60%.† How to apply It's easy to apply for a Frost auto loan. It takes approximately 15 minutes and you'll receive an answer in approximately one business day. To apply, call a Personal Loan Advisor at (866) 376-7889 or visit your local Frost financial center. When you're ready to apply, you just need to bring: Social Security Number We're required by federal law to collect your SSN. Government-Issued Photo ID This can be a driver’s license, state ID or U.S. military ID. We’re here to guide you Talk to a Personal Loan Advisor (866) 376-7889 Request a call or email Find a location