Personal Line Of Credit

Personal line of credit

Designed with your financial goals in mind.

2.25–3.50 % APR[1]

Refinance your debt — including student loans, minor home improvements and car loans — and fund your goals, all at one low fixed rate.[2]

See your rate (2 min)

First Republic Personal Line of Credit offers access to revolving credit, which allows you to withdraw funds up to a preset limit during a two-year draw period.

Discover the benefits of your Personal Line of Credit.

  • Industry-low fixed rates

    Get instant peace of mind and an opportunity to save more in the long term with our low fixed-interest rate options.

  • Refinance existing debt

    Combine your existing debt into one convenient monthly payment.

  • Interest-only payments

    Pay interest only on what you draw for the first two years, and repay the full loan with term options that best suit your financial goals.

  • Revolving access to credit

    Get convenient access to funds for large purchases. Plus, the amount you repay will be available to draw on again during the first two years.

  • No loan fees

    You won’t be charged origination, maintenance or prepayment fees — ever.

  • Referral Program

    When you become a Personal Line of Credit client, you are eligible for our client referral program. You can earn $300 when your friend books a Personal Line of Credit.[3] Your friend will also earn $300 when they book their loan.[4] 

How can you use a Personal Line of Credit?

pay for medical or dental procedures

Pay for medical or dental procedures

pay your taxes

Pay your current taxes

Note: By refinancing student loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness. Please consider this as you make a decision to refinance student loans, and talk to a banker if you have any questions.

See how First Republic compares.[5]

  • Annual Percentage Rate
    (with discounts)
  • Loan Size
  • Loan Term
  • Interest-Only Period
  • No Loan Fees
    (Origination, Maintenance or Prepayment)
  • Flexible Use of Funds

  • Personal Line of Credit

  • 2.25%–3.50% APR
  • $60,000–$350,000[6]
  • 7, 10, 15 years
  • 2 years
  • Student Loan

  • 1.97%–6.94% APR
  • $5,000–$500,000
  • 5, 7, 10, 15, 20 years
  • Personal Loans

  • 5.99%–35.89% APR
  • $1,000–$100,000
  • 2–7 years

  • 3.00%–21.00% APR
  • $15,000–$1M
  • 30 years
  • 10 Years

How to Apply for a Personal Line of Credit

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Estimate your payments.

Tell us a little about yourself to estimate your new fixed interest rate and monthly payments.

Connect with a banker.

A personal banker will reach out to learn more about you and walk you through the options that work best for you.

Complete your application.

Submit your loan application from the convenience of your home with your personal verification documents.

We’re here to help.

  • What is the difference between a personal loan and a personal line of credit?
  • I’m looking to refinance my student loan debt. What happens if I get a Personal Line of Credit instead?
  • What should I use my Personal Line of Credit for?
  • Can I use this product to pay off or refinance my existing First Republic loan(s)?
  • How are my loan payments structured?
  • What amounts and term options are available?
  • What are the requirements to receive the lowest listed rates?
  • Is there a Personal Line of Credit payment calculator to see my rates?
  • Are there any fees associated with the First Republic Personal Line of Credit?
  • How do I draw on my Personal Line of Credit?
  • Why do you currently not offer the Personal Line of Credit in my state?
  • Do I need to have multiple loans in order to refinance them with First Republic Bank?

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