Personal Loans / Personal Lines of Credit

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

A Frost personal deposit account is required at the time of closing.

Interest Rate for Unsecured PLC

AMOUNT/TERM ANNUAL PERCENTAGE RATE (APR)
$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 12/12/2025.

Annual Percentage Rate is variable and effective as of 12/12/2025. 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.†

Fees
  • No annual fees
  • No pre-payment penalties
  • No origination fees
How to apply

It’s easy for Texas residents to apply for a Frost Personal Line of Credit. It takes about 15 minutes and you’ll receive a decision within a business day.

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 visiting your local Frost financial center.

Receive your loan
  • 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

Request a call or email Find a location