Medical and Dental Financing with a Personal Line of Credit


Pay for medical or dental procedures and more with a Personal Line of Credit [1]

2.95–4.25 % APR[2]
OUR LOWEST FIXED RATES WITH DISCOUNTS

The costs of planned medical and dental procedures can add up. Our Personal Line of Credit offers convenient access to credit for medical and dental expenses and much more.

medical and dental financing
  • pay for medical or dental procedures

    Pay for medical or dental procedures

  • 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

  • plans for your family's future

    Plan for your family's future

  • 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 medical expenses and more.

prodIcon1

Low fixed rates

Find fixed-rate options as low as 2.95% APR with discounts so you can focus on your medical wellness and more, without impacting your cash savings. Choose from loan term options of 7, 10 and 15 years.

prodIcon1

Fewer fees

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

prodIcon1

Flexibility

Access a line of credit from $65,000 to $100,000 for upcoming medical or dental expenses 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

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. Currently, all payments for certain types of federal student loans are suspended through December 31, 2022 per an executive order by the President. Interest will not accrue during this time period. 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 our Personal Line of Credit and how to use it.

 

FAQs when financing medical or dental expenses.

  • Why should I choose a Personal Line of Credit over medical loans?
  • 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.

Articles and Insights

First Republic Bank Logo