Bank · FDIC insured
Frost Bank Auto Loan Rates
Frost Bank auto loans start at 5.64% APR for a new vehicle and 6.25% for a used one. Rates checked October 16, 2026.
How Frost Bank’s auto loan rates compare
Compared with banks and credit unions near Dallas, TX, where Frost Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Frost Bank
5.64%APR
- Terms
- up to 72 months
Personal Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
2nd-lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
Frost Bank auto loan score
66
Auto loan score
Higher than 17% of U.S. banks and credit unions
- New vehicleNew5.64%
- Used vehicleUsed6.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Frost Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Personal Auto Loans
Loan amount up to 100% of purchase price on new vehicles, or up to NADA trade-in value for used vehicles. Optional loan discount between 0.15% and 0.50% available with qualifying Frost personal checking account and auto debit enrollment.
| Terms | APR | Conditions |
|---|---|---|
| up to 30 months | 5.64% | Vehicle age: New 2025/2026 |
| up to 36 months | 5.64% | Vehicle age: New 2025/2026 |
| up to 48 months | 5.64% | Vehicle age: New 2025/2026 |
| up to 60 months | 5.64% | Vehicle age: New 2025/2026 |
| up to 72 months | 5.64% | Vehicle age: New 2025/2026 |
| up to 30 months | 6.25% | Vehicle age: 1 Year Old 2025 |
| up to 36 months | 6.25% | Vehicle age: 1 Year Old 2025 |
| up to 48 months | 6.25% | Vehicle age: 1 Year Old 2025 |
| up to 60 months | 6.25% | Vehicle age: 1 Year Old 2025 |
| up to 72 months | 6.25% | Vehicle age: 1 Year Old 2025 |
| up to 30 months | 6.35% | Vehicle age: 2 Year Old 2024 |
| up to 36 months | 6.35% | Vehicle age: 2 Year Old 2024 |
| up to 48 months | 6.35% | Vehicle age: 2 Year Old 2024 |
| up to 60 months | 6.35% | Vehicle age: 2 Year Old 2024 |
| up to 72 months | 6.35% | Vehicle age: 2 Year Old 2024 |
| up to 30 months | 6.75% | Vehicle age: 3 Year Old 2023 |
| up to 36 months | 6.75% | Vehicle age: 3 Year Old 2023 |
| up to 48 months | 6.75% | Vehicle age: 3 Year Old 2023 |
| up to 30 months | 7.00% | Vehicle age: 5 Year Old 2021 |
| up to 36 months | 7.00% | Vehicle age: 5 Year Old 2021 |
Sources (2)
- frostbank.com/personal/banking/loan-products/auto-loans
- frostbank.com/agreements-discl…sumer-loan-rate-discount
All captured Oct 16, 2026
Opening an account
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