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Personal Line of Credit Calculator
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Thank you for your interest in First Republic's Personal Line of Credit.

ABOUT OUR SERVICE AREAFirst Republic has a limited retail banking service area. Visit our locations page for more information.

First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a strong credit history. If you are interested in applying, feel free to contact us or visit one of our locations for more information.

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Based on the information you provided, you do not meet the minimum loan amount requirement for refinancing with us. If you are interested in applying, feel free to contact us or visit one of our locations for more information.

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  • 1. Your contact info
  • 2. Use of funds
  • 3. See rates
Tell us about yourself.
We will not pull your credit as part of completing this form to see available rates. All fields required unless noted.
By entering your email, a dedicated banker will reach out to you personally.
By entering a phone number, you agree to receive text messages and phone calls from First Republic Bank.
First Republic Bank has a limited service area for retail banking. Knowing your zip code helps us ensure your location falls within our service area.

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Use of funds.
Refinancing student loans? Click here for important information.
Please select at least one option
This product cannot be used to payoff credit card debt at origination, to purchase securities or investment products, for speculative purposes, or for business or commercial uses, among other prohibited use cases.
Up to 90% of loan can be used to pay off existing debt.
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Submit & see rates.
We will not pull your credit as part of this form, and providing this information does not constitute an application. All fields required unless noted.
First Republic looks at a variety of factors when underwriting a loan. One important requirement is that you have a strong credit score.
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Select your rate and term.
All rates shown include a 2% discount for automatic payments and direct deposit.
Checking Account Balance Adjustment i
Increase your checking relationship with First Republic to get a lower fixed rate.
To qualify for these rates you must open an ATM Rebate Checking account and maintain a $3,500 balance to avoid monthly service fee of $25. To qualify for these rates, you must maintain a minimum account balance of 10% of the original loan amount. To qualify for these rates, you must maintain a minimum account balance of 20% of the original loan amount.
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$ $
Your loan amount and monthly payments
Interest-only payment during 2-year draw
$
Monthly payment after 2-year draw
$
*Monthly payment examples are for illustrative purposes. Your actual payments may vary based on interest rates, balances, repayment term and other factors.
Enter your existing debt info to see your potential savings:
Existing debt $
Your current rate (%)
Your remaining term
Calculate potential savings
Potential Interest Savings
$
*This is for illustrative purposes. Your actual savings may vary based on interest rates, balances, repayment term and other factors.

Based on your answers, you’re now ready to get connected to a banker:

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Schedule an appointment so {{AssociateName}} can walk you through the process and answer any questions you may have.

NOTE: We use a third-party booking site to make it easy for you to book and manage your appointment. If you do not wish to use this feature, please email me your available times and we can coordinate directly.

Other First Republic services

  • Checking

    We offer a variety of checking account options that come with a host of featured services designed for security, convenience and service.

  • Savings

    Whether you're saving for the short or long-term, we have a variety of savings accounts tailored to your needs.

  • Money Market

    First Republic offers Money Market Checking and Savings accounts that feature competitive interest rates and are tailored to meet your banking needs.

  • IRAs

    Our retirement accounts to help you prepare for the retirement you've always wanted.

  • Online & Mobile Banking

    First Republic offers all our clients the convenience and flexibility of online and mobile banking from your desktop, smartphone or tablet. Manage your accounts whenever it suits you, from wherever you are in the world.

  • ATM Card and ATM/Debit Card

    The First Republic ATM Card and ATM/Debit Card allow you to access your funds worldwide.

Banking products and services are offered by First Republic Bank, Member FDIC and Equal Housing Lender

1 Annual Percentage Rate. Rates effective as of June 15, 2020, and are subject to change.

Borrower must open a First Republic ATM Rebate Checking account ("Account"). Terms and conditions apply to the Account. If the Account is closed, the rate will increase by 5.00%. Rates shown include relationship-based pricing adjustments of: 1) 2.00% for maintaining automatic payments and direct deposit with the Account, 2) 0.50% for depositing and maintaining a deposit balance of at least 10% of the approved loan amount into the Account, and 3) an additional 0.25% for depositing and maintaining a deposit balance of at least 20% of the approved loan amount into the Account.

Minimum $500 to open an ATM Rebate Checking account. A monthly fee (currently $25) will apply if a minimum monthly average balance of $3,500 is not maintained. Domestic and foreign ATM access fees are rebated at the end of the monthly cycle. Foreign currency conversion and other usage fees vary by country and network and are not included in the rebated ATM access fees.

Personal Line of Credit consists of a two-year, interest-only, revolving draw period followed by a fully amortizing repayment period of the remainder of the term. Draws are not permitted during the repayment period. Full terms of 7, 10 and 15 years available.

This product can only be used for personal, family or household purposes. It cannot be used for the following (among other prohibitions): to refinance or pay any First Republic loans or lines of credit, to purchase securities or investment products (including margin stock), for speculative purposes, for business or commercial uses, or for the direct payment of post-secondary educational expenses. This product cannot be used to payoff credit card debt at origination.

The terms of this product may differ from terms of your current loan(s) that are being paid off, including but not limited to student loans. By repaying such loans, you may permanently be giving up tax and repayment benefits, including forbearance, deferment and forgiveness, and you may not be able to reobtain such benefits if this loan is refinanced with another lender in the future.

Personal Line of Credit minimum is $60,000; maximum is the lesser of $350,000 or debt to be repaid at origination plus $100,000. Line of credit cannot be fully drawn at origination.

Borrower must open a First Republic ATM Rebate Checking account (“Account”). Terms and conditions apply to the Account.

By entering your email on this form, a dedicated banker will reach out to you personally.

Contact your legal, tax and financial advisors for advice on deciding whether this is the right product for you. Terms and conditions apply. Product is not available in all markets. For a complete list of locations, visit the locations page. Applicants must meet a First Republic banker to open account. This is not a commitment to lend; all lending is subject to First Republic’s underwriting standards. Applicants should discuss line of credit terms, conditions and account details with their banker.

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