What is the difference when calling people a ‘toad’ or a ‘frog’?

In the last few days, I watched something. I heard some expressions. They were about people, but they were given “frog” and “toad” names.

What I mean is that most of the ones in their vicinity said they were either toads or frogs. I do know the difference, but I don’t understand why they picked alike animals.

What’s the difference when naming someone a toad or a frog?
And what does it mean aside from the literal approach?