Financing Family Planning Expenses with a Personal Line of Credit


Plan for your family’s future and more with a Personal Line of Credit [1]

3.95–5.45 % APR[2]
OUR LOWEST FIXED RATES WITH DISCOUNTS

Whether you’re planning a wedding, starting a family, investing in your child’s future or paying off other debt, we can support you at every life stage.

family planning financing
  • financing family planning expenses
    Plan for your family's future
  • refinance student loans
    Refinance your student loans
  • minor home improvement financing
    Cover minor home improvements
  • buy or refinance a car
    Buy or refinance a car
  • pay for medical or dental procedures
    Pay for medical or dental procedures
  • ask your banker
    And more. Ask your banker

First Republic’s Personal Line of Credit provides access to revolving credit during a two-year draw period, followed by a repayment period for the remainder of the loan term.

Use a Personal Line of Credit to finance family expenses and more.

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Low fixed rates

Find fixed-rate options as low as 3.95% APR with discounts so you can focus on your family’s future and more, without derailing your long-term financial goals. Choose from loan term options of 7, 10 and 15 years.

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Fewer fees

Pay for your family planning expenses and more using a Personal Line of Credit with no origination or prepayment fees.

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Flexibility

Access a line of credit from $70,000 to $100,000 for upcoming family expenses, like IVF treatments, private tutoring and more. The maximum credit limit is $350,000 when refinancing eligible debt with a maximum of $100,000 available to draw at the time of origination.[3]

Additional features of a Personal Line of Credit.

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.

Access to revolving credit

Get convenient access to revolving credit for large purchases. Plus, any principal you repay will be available to draw on again during the first two years.

Your own personal banker

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



There’s more you can do with a Personal Line of Credit.

Learn more about our Personal Line of Credit and how to use it.


ask your banker

And more. Ask your banker


 

 

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. Currently, all payments for certain types of federal student loans are suspended potentially until June 30, 2023, per an executive order by the President. Interest will not accrue during this time period. For more information, please visit ed.gov.





There’s more you can do with a Personal Line of Credit

Learn more about the features and benefits of our Personal Line of Credit and ways to use it beyond financing minor home improvements.

 

FAQs when financing family planning expenses.

  • What is the difference between a personal loan and a personal line of credit?
  • How else can I use my Personal Line of Credit?
  • Is there a Personal Line of Credit calculator to estimate my monthly payments?
  • How are my loan payments structured?
  • What are the requirements to receive the lowest listed rates?
  • I have more questions about Personal Line of Credit and how to use it.

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