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 Loan rate discount between 0.15% and 0.50% available with a personal Frost 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 09/09/2026.Annual Percentage Rate is variable and effective as of 09/09/2026. 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 (6.75%) + 5 = Current rate of 11.75%, 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