Personal Used Car Loans

Interest Rate
Term
Annual Percentage Rate (APR)
1 Year Old 2020
24 months 3.74%
36 months 3.74%
48 months 3.74%
60 months 3.74%
72 months 3.99%
2 Year Old 2019
30 months 4.24%
36 months 4.24%
48 months 4.24%
60 months 4.49%
72 months 4.24%
3 Year Old 2018
30 months 4.24%
36 months 4.24%
48 months 4.24%
4 Year Old 2017
30 months 4.24%
36 months 4.24%
5 Year Old 2016
30 months 4.24%
36 months 4.24%
Annual Percentage Rate effective as of 11/30/2021.

Payment Example: A loan of $10,000 for a 1 year old car at 48 months at a simple interest rate of 3.74% would yield a payment amount of $224.63 per month and an annual percentage rate (APR) of 3.74%.†

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
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.