Financing Family Planning Expenses with a Personal Line of Credit


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

2.25–3.50 % APR[1]
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

  • pay your taxes

    Pay your current taxes

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.

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 2.25% APR with discounts so you can focus on your family’s future and more, without derailing your long-term financial goals.[2]

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No loan fees

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

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Flexibility

Access a line of credit from $60,000 to $100,000 for upcoming family expenses, like IVF treatments, private tutoring and more. The maximum credit limit is $350,000 when refinancing existing 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

Enjoy the peace of mind of only paying interest on what you draw for the first two years. You can also make additional principal payments at any time.

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.

Your own personal banker

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



See how First Republic compares when using a Personal Line of Credit to finance family expenses.[4]

  • 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[3]
  • 7, 10, 15 years
  • 2 years
  • Personal Loans

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




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 other ways to use it.


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.





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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