Personal Line of Credit

If you’d like flexible access to cash or to borrow a smaller amount, consider the versatility of a Frost Personal Line of Credit.

  • Competitive variable interest rates
  • Can be unsecured or secured by a Frost CD, Money Market or Savings account, stocks, bonds, brokerage, annuities, or trust accounts
  • Can be used for anything you choose, including overdraft protection for your checking account
Interest Rate
$2,000 - $9,999 / 2 Years WSJ Prime + 5 (APR)
$10,000 - $24,999 / 2 Years WSJ Prime + 4 (APR)
$25,000 - $49,999 / 2 Years WSJ Prime + 4 (APR)
$50,000 - $249,999 / 2 Years WSJ Prime + 3 (APR)
$250,000 or greater / 1-2 Years WSJ Prime + 0.50 (APR)

Wall Street Journal (WSJ) Prime rate WSJ Prime + 5 (APR). Wall Street Journal Prime effective as of 06/16/2024.

Annual Percentage Rate is variable and effective as of 06/16/2024. The rate is subject to change daily and without notice.

Payment example: For a loan of $5,000, that is fully drawn to $5,000 with a rate of WSJ prime (8.50%) + 5 = Current rate of 13.50%, the minimum monthly payment would be $100. If only minimum payments are made, the loan will not be paid in full in 2 years.†

  • Two years
  • No annual fees
  • No pre-payment penalties
  • No origination fees

It’s easy for Texas residents to apply for a Frost Personal Line of Credit. It takes about 15 minutes and you’ll receive an answer in approximately two to four hours during normal business hours.

Before you get started, you'll need:

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

To apply, call a Personal Loan Advisor at (866) 376-7889 or visit your local Frost financial center.

  • Access money when you need it
  • Advance and make payments online, by phone, or in person at a Frost financial center

We’re here to guide you

Talk to a Personal Loan Advisor (866) 376-7889