Personal Loans / Personal Loans Personal Loans If you’d like to borrow a smaller amount, a Frost Personal Loan might be an attractive option. Competitive interest rates, based on collateral 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 Interest Rate for Unsecured Loan AMOUNT/TERM ANNUAL PERCENTAGE RATE (APR)* $2,000 - $4,999 / 36 months 11.25% $5,000 - $9,999 / 36 months 10.75% $10,000 - $24,999 / 36 months 10.50% $25,000 or greater / 36 months 10.50% Annual Percentage Rate effective as of 12/05/2025. *This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account. No discount for first liens. Payment Example: A loan of $10,000 for 3 years at a simple interest rate of 10.75% would yield a payment amount of $326.20 per month and an annual percentage rate (APR) of 10.75%.† Loan Amount Varies, based on collateral, if any Fees No annual fees No pre-payment penalties No origination fees Loan Term Varies, based on loan amount and collateral, if any Fixed interest rate 0.25% rate discount with automatic payments from a Frost Checking or Savings account How To Apply It’s easy for Texas residents to apply for a Frost Personal Loan. It takes about 15 minutes and you'll receive a decision within a business day. To apply, call a Personal Loan Advisor at (866) 376-7889 or visit your local Frost financial center. Just bring: Your government issued photo ID such as a driver's license, state ID or U.S. Military ID Your Social Security number Receive Your Loan Receive the entire amount in a lump sum at closing When approved, you can close your loan at any 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