Personal Line Of Credit

Personal line of credit

Designed with your financial goals in mind.

2.25–3.50 % APR[1]
LOWEST FIXED RATES WITH DISCOUNTS

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

See your rate (2 min)

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-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 your choice of term options.

  • 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.

  • Your own personal banker

    Take advantage of tailored services from your dedicated banker, who will walk you through the process from start to finish.

How can you use a Personal Line of Credit?

refinance your student loans

Refinance your student loans

cover home expenses

Cover home expenses

buy or refinance a car

Buy or refinance a car

pay for medical or dental procedures

Pay for medical or dental procedures

plans for your family's future

Plans for your family's future

pay your taxes

Pay your taxes

See how First Republic compares.[3]

  • 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
    (fixed)
  • $60,000–$350,000
  • 7, 10, 15 years
  • 2 years
  • Student Loan
    Refinancing

  • 2.99%–6.49% APR
    (fixed)
  • $5,000–$500,000
  • 5, 7, 10, 15, 20 years
  • Personal Loans

  • 5.99%–35.89% APR
    (variable)
  • $1,000–$100,000
  • 2–7 years
  • HELOC

  • 2.99%–21.00% APR
    (variable)
  • $17,500–$1M
  • 30 years
  • 10 Years

Get Started Today

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Estimate your payments.

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

Connect with a banker.

A personal banker will reach out to learn more about you and walk you through your options.

Complete your application.

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

Questions?
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?
  • 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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