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
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| Vehicle Ages | 30 months | 36 months | 48 months | 60 months | 72 months |
| New 2024/2025 | 6.6% | 6.6% | 6.6% | 6.6% | 6.6% |
| 1 Year Old 2024 | 6.85% | 6.85% | 6.85% | 6.85% | 6.85% |
| 2 Year Old 2023 | 7.1% | 7.1% | 7.1% | 7.1% | 7.1% |
| 3 Year Old 2022 | 7.35% | 7.35% | 7.35% | ||
| 4 Year Old 2021 | 7.35% | 7.35% | |||
| 5 Year Old 2020 | 7.6% | 7.6% | |||
Annual Percentage Rate effective as of 07/29/2025.
*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 6.85% would yield a payment amount of $493.26 per month and an annual percentage rate (APR) of 6.85%.†
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 two to four hours during normal business hours.
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:
We’re here to guide you
Talk to a Personal Loan Advisor (866) 376-7889