Personal Loans / Personal Auto Loans

Personal Auto Loans

Frost can help you buy the vehicle you want. Whether you’re looking for a new or used vehicle, we offer a variety of loans at fixed, competitive rates.

Happy family with car keys

Auto Loans

If you’re interested in purchasing a vehicle, consider financing it with a Frost Auto Loan, featuring:

  • Loan amount up to 100% of the purchase price on new vehicle, or up to the NADA (National Automobile Dealers Association) trade-in value for used vehicles
  • A 0.25% rate discount with automatic payments from a Frost Checking or Savings account
  • Pre-approved financing that can be arranged before you buy
Annual Percentage Rate (APR) and Terms
Vehicle Ages 30 months 36 months 48 months 60 months 72 months
New 2023/2024 7% 7% 7% 7% 7%
1 Year Old 2023 7.25% 7.25% 7.25% 7.25% 7.25%
2 Year Old 2022 7.5% 7.5% 7.5% 7.5% 7.5%
3 Year Old 2021 7.75% 7.75% 7.75%
4 Year Old 2020 7.75% 7.75%
5 Year Old 2019 8% 8%

Annual Percentage Rate effective as of 12/23/2024.

*This rate includes a 0.25% rate discount with automatic payments from a Frost Checking or Savings account.

Payment Example: A loan of $25,000 for 5 years at a simple interest rate of 7.25% would yield a payment amount of $497.98 per month and an annual percentage rate (APR) of 7.25%.†

How to apply

It’s easy to apply for a Frost auto loan. It takes approximately 15 minutes and you’ll receive an answer in approximately two to four hours during normal business hours.

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

When you're ready to apply, you just need to bring:

Social Security Number
We're required by federal law to collect your SSN.
Government-Issued Photo ID
This can be a driver’s license, state ID or U.S. military ID.

We’re here to guide you

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