Our Rating: 87%


Frost Bank Personal Loan Review

Loan Amount:
$2,000 - $50,000
Minimum Credit Score:
APRs From:
5.99% - 35.99%
Funding Speed:
A few business days

Community Bank, Frost Bank offers a multitude of banking services including unsecured or secured personal loans. Frost is known for its award-winning customer service. Frost Bank is headquartered in San Antonio and has 134 branches throughout Texas. Despite being a community bank that only does business in Texas, it is on the list of largest banks in the United States.

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Frost Bank Personal Loan Overview

Frost Bank offers both secured and unsecured personal loan options to residents of Texas. With a frost bank, personal loan borrowers can use the personal loan for whatever they wish. With 134 branches throughout the state, Frost Bank offers potential borrowers the ability to apply for a personal loan online, in person at one of their many branches, or on the phone with a customer service representative.

Frost Bank's personal loan rates vary depending on applicants' credit score, debt to income ratio, and a few other factors. Although their personal loan rates are not public, we can assume their rates to be somewhere in the range of 5.99% to 35.99%. Frost bank does not feature the quick funding that online lenders are able to offer, however, this shouldn't be an issue if you do not need your funds quickly. Popular uses of Frost Bank personal loans are to consolidate debt, pay for home improvements, or fund emergency expenses.


  • A community bank with over 134 branches throughout Texas.
  • 0.25% rate discount when you enroll for auto pay from a Frost Checking or Savings account.
  • Secured and unsecured loan options.
  • No origination fees, prepayment fees, or annual fees.
  • Option to apply in person at a local branch.


  • The application and approval process takes longer compared to digital lenders.
    • Completing an application takes about 15 minutes and an approval decision can take 2 to 4 hours.
  • Disclosed loan information
    • Frost Bank personal loan data is not publicly available, making it difficult to estimate APRs or loan amounts
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How to apply for a Frost Bank Personal Loan

Applying for a frost bank personal loan can be done online at their website, in person at one of their branch locations, or on the phone via their customer support number.

When applying you will need to have a range of the loan amount you want and the purpose of your personal loan. You should also need to have a government-issued photo ID such as a driver's license, state ID, or U.S. Military ID as well as your social security number. Frost Bank will also inquire about your income so it is important to have valid income documentation handy.