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 12/22/2024.
Annual Percentage Rate is variable and effective as of 12/22/2024. 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