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 07/13/2025.
*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